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%+ !!

Your best bet is to ask nicely, and maybe beg if you have to. If the rest of your payment history is good they will usually waive one late. I've always found BoA reps easy to deal with.

Always schedule payments to arrive a day or two early, just in case of situations like this.

Thanks for the comments, tev9999.
I talked to BoA rep this morning and my account was re-instated without trouble. Last time I did this with BoA about a year ago they were unwilling to do so, so I am glad they are willing to work with customers more (maybe the economy is making the banks nicer??).

i would continue to call back until you speak to someone who is interested in helping you. its really not your fault from the sound of things.