Very informative post! Regarding BofA, it is good opportunity to review the best credit card offer and see which if any make sense for you. Most charge card rewards programs pay card holders for spending and adding to debt. However, Bank of America recently released a new card that rewards people for paying off debt. The BankAmericard Better Balance Rewards card incentivizes consumers for paying their regular bills on time and for throwing in a little more over their minimum charge.