The problem — with Bofa credit cards, if there’s a credit balance (like $67.26) for more than X (around 90) days, the system would automatically deduct that amount and send out a check. If you can receive the check you can deposit it. If you can’t then the amount is possibly lost. Even if you can call in to request a refund, the credit balance would trigger the system to repeat the same “transfer”, so you could end up in an endless loop.

Saving grace — you have record of the deduction. However, the record could be “archived” in a historical statement and lost in oblivion.

Tip — To avoid forgetting this issue, I would send or spend a 0.01 amount to the credit card, and then edit the transaction description, so I get a reminder whenever I log into the online interface.

Solution – An agent said any credit balance can be transferred to checking in 3-5 days. Must call in.

Solution – use Paypal as gateway to pay a merchant from bofa ccard, without using paypal balance

Solution – buy an Amazon gift card

11 Feb StopPayment submitted

12 Feb case 97636726 created for the StopPayment

17 Feb StopPayment was issued.

17 Feb Some bofa team started the process of deposit into checking

20 Feb I called in. Agent said there’s an system error causing the same amount to be deducted from my card. Agent said will be fixed in 7 days.