I sent my Visa Pmt 2 wks early, so I could visit my grandkids for Christmas. BOA decides at last minute to increase my minimum pmt by $5 w/o telling me. I found out when I returned home & immediately sent another full Pmt. It was 1 day late! Haven't been late in 30 yrs. Mgr refused to issue me grace on it. Closing it today!