Bank of America Credit Card Complaint

Bank of America Credit card department,

Rewards Massachusetts

I did n't receive my $25.00 reward from the BOA 's better reward credit card in - 2015. According to their rep, it was because I did n't make any payment in - 2015. However, I got couple refund from different merchants and I applied my previous reward credit to that statement, which made the balance became $0.00. The rep said in that case I should over pay in order to get my reward, which does n't make sense to me, as most financial institute do not allow over pay a credit card. And without somebody explicitly tell me to do so, no consumer would assume that applying reward credit does n't count as payment, and as said, it does n't make sense to over pay a credit card.