I took dynalow's advice and called BoFA about lowering my APR, which is at 16.24%. I never really paid much attention to it until only recently now that I want to see where I can save money. I'm like WTF? When I called I told the person I've been a good outstanding customer, and the person agreed. Still, she couldn't do anything about it. She transfered to another dept who might be able to make changes. He too couldn't do anything but said that BoFA might in the future and suggested that I should continue with my aggressive payments yet also use the card more. I rarely ever use this card, and it looks like BoFA is aware of it because the guy asked me if I was in "Paydown" mode? I said yes, and that may have been a mistake because now they see no reason to lower my APR. Anyway, I asked the rep isn't it counter-intuitive to spend money on the card while you're trying to pay it down? He said that's what BoFA looks at when considering APR adjustements. He was nice and probably wanted to help me but at the same time I felt he didn't know what else to say. Anyway, I tried.

Btw, anyone know about money market accounts? My bank is offering a 12-month MM at 1.0%. How does that work? If I put in $10k, how much will I end up with after 1 year at 1%?