I did a 3% fee 12 month 0% BT with BoA VISA two months ago, and have paid two manual payments on it. I set up an auto pay from this month on, but they post the payment one day after the scheduled date, so now I am hit with the late fee and my interest rate will go up. I'd like to reinstate my account, but I am VERY worried that the CSR would say "there is nothing I can do, sorry." I've had this happen to me once before and that's what they said, so I paid the whole balance off and closed the card...but I can't do this because I don't have enough liquid cash on hand (I do have some CDs, but then there is the penalty).

Anyhow, the CSR said the account might be re-instated "automatically" upon review, which happens shortly after this "late" payment posted. Have this happened to anyone? Or would I have to try really hard to sweet talk to them (and would that work)? It will really suck if my rate goes up to 20%+ !!