Comments on: Bank of America Customers Beware: Your Credit Card Penalty Rates Could Soar Money: Earn it, Invest it, Spend it Fri, 19 May 2017 17:24:17 +0000 hourly 1 By: MissGinaCPA Thu, 28 Apr 2011 00:10:11 +0000 I’ve had credit cards since 1999. NEVER been late. What is the big deal? If you operate with cash instead of credit you never have to worry about the rules changing because like life, they will continue to change.