I am Bank of America account holder who also has XXXX credit cards with Bank of America. I recently obtained a BankAmericard Cash Rewards card which was linked directly to my BoA online banking account. As I typically pay all my credit cards through the online system, I assumed this would be case with my cash rewards card. Not so. When I clicked on the 'make payment ' button, I was taken taken to the bill pay center but could not see my Cash rewards card listed with my other cards. There were no instructions on how to add a card. I 'd also signed up to ebilling but did not receive the bill through my email. As I was busy, I did not continue trying to figure it out until my payment was past due and was issued a {$25.00} late fee. I then called BankAmericard Cash Rewards card 800 number and the operator informed me that in order to register the card, I had to add Bank of America credit card as a company in the 'manage pay to accounts ' section. This is completely illogical. I am already in the Bank of America website and I am trying to pay them. There are no clear instructions on this page on how to do this and I do not believe a reasonable person would be able to determine that you had add Bank of America as a company in the bill pay center. Furthermore, I have XXXX existing credit cards with BoA that as far as I can remember did not ask me to do this. I also did not receive an ebill nor a written bill. This leads me to believe XXXX things. XXXX, this could be either be a deceptive practice by BankAmericard Cash Rewards to increase the likelihood of first time users incurring a fine because that can not easily determine how to make payment. Or XXXX, it could also just be very poor user experience design. Either way it is leading to unfair fees being levied on BoA customers. 
