Not to dogpile on but...
People who do this sort of thing don't just cheat "BofA", as in some evil monstrous corporate entity, they cheat the stockholders of BofA (which is everyone who has any money in a large company mutual fund or S&P 500 index fund), and the other cardholders or account owners who may see higher fees or rates as a results of higher writeoffs.
Don't do it.
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