Bank of America Credit Card Complaint

Bank of America Credit card department,

Customer service / Customer relations Virginia

I have tried on numerous occasions to negotiate a hardship payment request with the company. They refuse to negotiate or grant hardship until I am delinquent at least two payments. I have not missed a payment in ten years and have paid late once within the last year. This late payment was in two days of the due date. The only option Bank of America gave was to ask for my - interest rate to be lowered. When I requested ton have my interest rate lowered 3 different times they refused to lower the rate only stating that the interest rate at this time is correct for this type of account. I should not be made to go delinquent to negotiate a hardship. I am trying to remain current on my payments just not in this amount. At this point with the interest rate as high as they have it after paying $300.00 as a minimum payment only $35.00 was counted towards the principal. The rest went to interest. They also counted my purchases after the payment was made thus increasing the balance after I made my payment. I also feel this is predatory because - of my other credit cards are giving me a lower interest rate. I am starting to wonder if they are charging me more based on my race and not my credit score.