Just looked online and it had something new... Something about... $1,900.00 ADJUSTMENT CREDIT $1,900.00 ADJUSTMENT CHARGE They must have LISTENED TO MY PFB... I WAS NEVER NOTIFIED OF THE LOSS OF MY (FIXED) 4.00% (PRIME + 0.00%) This must be the answer...THEY WILL GIVE ME MY 4.00% BT BACK???? $1,900.00 was my last BT to MBNA... I WAS TICKED OFF BECAUSE I PAID OFF 4.90% (MBNA) WITH 8.90% BofA!!!! I GUESS I STILL HAVE TO "EAT" THE 2 MONTHS OF 8.90% vs 4.00% INTEREST...(unless there is still a credit to appear later)---$15.52 DIFFERENCE??? (4.90% X $1,900.00/12 X 2 = $15.52 F.Y.I.--THIS WAS NOT THERE THIS MORNING!!!