Without getting too deep into my financial status, I will say this: I have spent my thirties paying off less-than-optimal decisions I made in my twenties. The good news is that I’ve been pretty good at being in my thirties, and while I had hoped to be entirely free of credit card debt by my 40th birthday at one point and won’t make that date, I’ll be pretty damn close.
I currently have two open Bank of America cards; one that was originally opened from BoA and one that was actually the first credit card I ever had in my own name and has subsequently been acquired by them. One, the older one, has a zero balance. When I started beating on it, the balance was five figures. The other card is my current “target” card, and a big part of the obscene raise I received with the new job this year has gone to paying off this card. I tend to send them money twice a month a lot of the time.
Furthermore, the paycheck I just received last Friday is technically a “third paycheck”– meaning that I already have a Bills Paycheck and a Mortgage Paycheck in January, so I can literally spend this one on whatever I want. When it showed up, I took what was left in my checking account from my last paycheck and immediately sent it to Bank of America.
Tonight, planning on making another BoA payment now that I’ve figured out what I’m doing with the extra money, I logged in. And noticed that the extra money I’d sent them didn’t appear to have shown up.
A bit of investigation showed that somehow I had managed to make a $150 payment to the card with the zero balance, meaning that that card now has a -$150 balance in my favor.
Bank of America is one of the worst corporations ever, so I expect shenanigans when I try and fix this tomorrow, if I even can, because of course I discover this on the Sunday night before a national holiday.
I’ll keep y’all posted.
Sigh.
Discover more from Welcome to infinitefreetime dot com
Subscribe to get the latest posts sent to your email.
Welcome to infinitefreetime dot com 
Very funny and creative. So expressive! I am going to show this to my young adult sons! Hang in there and be thrifty Infanitefreetime a lot of us did the same thing and got through it by our forties!
LikeLike
Good luck with BOA. My mortgage was with them — until they sold it to another company. Then the federal gov’t discovered they didn’t follow proper protocol and made BOA send me a “restitution” check for being assholes. 😉
LikeLiked by 1 person
I flat out told my realtor that I wasn’t buying our house if BOA had anything to do with the mortgage.
LikeLiked by 1 person
In a weird way, I consider it good news that this is unambiguously my fault. Although I feel like there should be some sort of warning screen before you send money to a card that doesn’t have a balance.
LikeLike
Just a thought … couldn’t you use your negative balance card to make a payment on your “red” card??
LikeLike
I’m hoping they can simply move the payment. I don’t think they will actually let me use one of their cards to pay another one of their cards.
LikeLike
Ewww….Bank of America…sorry and good luck on that.
LikeLiked by 1 person
Ugh! I feel ya. I’ve had nothing but trouble with BoA.
LikeLiked by 1 person
Spent my 30’s, 40’s, 50’s paying debt and now in my 60’s I’ve given up. Luckily I’ll be dead soon.
LikeLike
For what it’s worth, my credit card companies have never been upset when I paid them more than they owed. They were happy to keep my money until they needed it again for expenses.
LikeLike
I made this mistake recently too. I just left it the way it was and used the card for things like auto fuel and food shopping until it was back at a zero balance. I just didn’t want to deal with Bank of America. Recently I moved my checking and savings from BOA to a local credit union as I refinanced my mortgage with the same credit union. I couldn’t be happier. I would love to close out the BOA credit card too, but as you know this hurts our credit rating.
LikeLike