Ther rep was nice enough and deleted the fees, but refused to waive the $39 annual fee, and when I asked what my rate would "go to" after the teaser rate was up, he said (and I asked him about three times to repeat it) the rate would go to 12.99 PLUS prime. So my Platinum card has a 5K limit, annual fee and a horrendous interest rate. My NextCard only charges 12.99 and has the rewards program and I plan to talk them down on that, and there is no fee. I am disappointed in the Platinum BOA...the only good thing is that my transfers stay at 9.9 until they are paid off. If you have a choice, I think NextCard is a better deal.