Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Can I use California Bankruptcy to select who to pay? - One year ago, I had no debt. My credit score is in the 800's. I had a couple credit cards from BoA, neither opened with them originally. I've also got 4 other cards. I use them all periodically and pay them off in full each month. I had the cards because my job had me travel around the world and I generally would have expenses up to $20K per month that I needed to float until I got reimbursed. <br /> <br />But I no longer travel, and no longer need such large credit amounts. Anyway, I took a large advance ($45K) on my credit card from BoA. I spoke with them on the phone and I wanted to make sure that after the 0% promotional period was over, it would remain locked in at 7.99% (my fixed rate). I then played the stock market and had some in the money options that did a U-turn -
