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I'd call and ask the TA where he would like you to mail the certificates. Last year he asked that I send mine to him. This year I will call and ask again in case their policy has changed?

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To All Savy NCL Compass Reward Point Users...

After reading through all of the "sticky" thread, I haven't found my answer...so please help with your advice and previous knowledge...

 

I've finally acrued 767 points. I've made a deposit on my cruise for May '08. My points will start expiring as I've been acruing them for almost three years. I've had two different BoA customer service reps give me two different stories...one said that I can redeem my Compass Reward Points in increments of $500 and $100 (now that I've reached the 500 point mark)...so that would mean that I can get certificates for $500 and $100 or enough to get me $700 off of our cruise. Today, another BoA customer service rep said that I can only get a certificate for $500 and that the remainder of my points could be used for an upgrade...but it is my understanding that upgrades are not available for Penthouse Categories (we're currently booked in an AD on the Spirit).

 

Could a knowledgeable CC'er tell me what exactly I should expect to get for my 767 Compass Reward Points? That way, I'll know what to ask for when I redeem the points. By the way, one BoA customer service representative asked me if I wanted the points redeemed in "cash". I thought they could only be redeemed in "certificate" form...certificates that can be used same as cash when making final payment.

 

Debjo

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To All Savy NCL Compass Reward Point Users...

After reading through all of the "sticky" thread, I haven't found my answer...so please help with your advice and previous knowledge...

 

I've finally acrued 767 points. I've made a deposit on my cruise for May '08. My points will start expiring as I've been acruing them for almost three years. I've had two different BoA customer service reps give me two different stories...one said that I can redeem my Compass Reward Points in increments of $500 and $100 (now that I've reached the 500 point mark)...so that would mean that I can get certificates for $500 and $100 or enough to get me $700 off of our cruise. Today, another BoA customer service rep said that I can only get a certificate for $500 and that the remainder of my points could be used for an upgrade...but it is my understanding that upgrades are not available for Penthouse Categories (we're currently booked in an AD on the Spirit).

 

Could a knowledgeable CC'er tell me what exactly I should expect to get for my 767 Compass Reward Points? That way, I'll know what to ask for when I redeem the points. By the way, one BoA customer service representative asked me if I wanted the points redeemed in "cash". I thought they could only be redeemed in "certificate" form...certificates that can be used same as cash when making final payment.

 

Debjo

 

You can get the $500 for cash and upgrades for less than 500(I think the first is 200 and not 100) Tell them to send you the cash...I think they mean the upgrade issue....as opposed to cash. If your awards are about to expire get the cash $500 now its good for a year(it must be used on a cruise that is complete within that year)

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Debjo...I agree. Take out $500 now and try to get that balance back up to $500 for another certificate. That about where I stand with my certificates too. We are also booked on the Spirit....May 3rd and May11th. I decided that I really needed something to look forward too. :D

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UPDATE...

First of all thanks for those of you who've quickly responded.

Second...I phoned BoA again and finally got a rep that was most helpful. After hearing her explanation, it seems that all the other reps were partially correct. Namely...the certificates in increments of $500 are to be turned in to NCL and used the same as if they were cash...the certificates in increments of 100 are for points used toward upgrades. In addition, she said I could transfer my NCL Compass Reward Points (and credit card) into their BoA "World Point" program (& credit card) and redeem my points as a "cash back", but the benefits wouldn't be as good in using the "World Point" program toward a cruise. My guess is that the dollars spent using that card don't translate into reward points as well as they do with the NCL BoA credit card.

 

The only confusion that now exists in my mind, relates to the explanation she tried to give me with regard to using asn additional 200 of my points toward an upgrade. She said that the "upgrade" doesn't take place in a physical "upgrade" on the ship...she said that we should book the cabin catagory that we want, and when the "upgrade" certificates are redeemed, we would be "credited back" to the next catagory below what we booked. I asked her if that applied to the "suite" catagories, as I seem to recollect that the "upgrade" certificates didn't apply to the "suite" catagories. It would be a HUGE savings if they did, because it would mean that my AD Penthouse Suite (which we booked) would be credited back to the BA Balcony price...the 200 point "upgrade" for two persons in the cabin would translate into a "credit back" of $200 for each of us ($400 total). At that point, I thought that the "upgrade" certificates might only be applicable to a different level cabin within a "catagory" (i.e. BA to BB or AC to AD...not AD to BA). She checked with her supervisor and said that it would be AD to BA. Now I began to think she was as confused as I, and thought I'd run this past the wisdom filled Cruise Critic members, who've always said that it is better to redeem the points for the "cash" certificates than the "upgrade" certificates!

 

In short, I requested my $500 certificate and asked her if I could redeem the 200 points in a few days after I thought things over (and got some pearls of wisdom from you folks who've gone through these redemption processes already). She said I could...so here we are...what have your experiences been with the "upgrade" point redemptions??? Can the "upgrade" redemptions cross, for example, from the lowest priced balcony booked and be credited back to the highest oceanview price (BE to CC) -or- are you limited to staying within the balcony cabin pricing (BA to BE) (or the oceanview CC to H pricing)? In my way of thinking...if the "suite" catagories can be applied to this "upgrade" program...why wouldn't everyone book the AA cabins and be credited back to the AB cabin prices when they redeemed their 200 point certificate??? That savings would be enormous!

 

Well, I'm hoping you've been able to wade through these questions and examples and still have an idea of what I'm confused about and questioning. I look forward to your responses...especially since those at BoA don't fully seem to have a handle on it. I would hate to redeem my extra 200 points for the "upgrade" certificates and then not have them be applicable and lose the points altogether!

 

As always, many thanks!

Debjo

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It's my understanding that the points expire 3 years from the MONTH they were earned. So all of your 700+ points will not expire at the same time.

 

The first thing I'd do is check your monthly credit card statements for all of the 700+ points & prepare a month-by-month chart showing how many points were accumlated in which month. For example:

50 points in 2/05

21 points in 3/05

11 points in 4/05 etc.

 

Make a subtotal when you earned your $500 certificate, which you've already requested. Those first 500 points earned are now "safe".

 

Then check to see how many months you really have left for each of the individual 200+ points. Worst case you'd lose some points month-by-month, depending on which month you actually earned the individual points that will "drop off" at the end of 3 years.

 

Like a previous post, try to earn enough points to finish out a 2nd $500 certificate before you lose any (or very many) of the 200+ points difference. Use your points for cash back instead of the upgrades if you're in suites. I've always found that the cash value far exceeds any upgrade.

 

I'd also contact NCL (not BofA) to get information on what you can get for the upgrade certificates since NCL will be doing any crediting and/or upgrading, not BofA. BofA only sends you the cash/upgrade certificates but it's up to NCL to honor them according to NCL's rules.

 

Good luck.

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THANKS EVERYONE...

You've given me some very good advice...advice that will also be useful to future readers of this board!

 

Debjo

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you can also send them after final payment and get a credit back on your charge card.

 

How far after final payment can you send them? Any time prior to the actual cruise date? Is this risky?

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I have a question regarding the two different expiration rules. I understand that points expire after 3 years. I also understand that the certificates that you get with the points expire one year after they are issued, and that you must SAIL by this 1 year expiration date. However, does my sailing need to be before the 3 year points expiration deadline as well?

 

Example: I started earning points on my card in April of 2006. I max out the points each year with my spending, so sometime in late 2008 or early 2009 I will have 3000 points to spend. In February of 2009 I will request $3000 worth of certificates. Can I apply these certificates (even the one bought with the oldest points) to a later sailing (like October/November 2009)? or do they need to be used before the 3 year POINTS expiration deadline?

 

I hope my question is clear... :D

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debjo...I would call NCL and ask them about the upgrade certificates. :confused: I would also hesitate to send the $500 certificates after final payment. With my luck I would get the person that read the instructions and dosen't bend the rules!

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Your question was clear - I think that you have 3 years to redeem the points into certificate form and then 1 year on the certificate that you have but you have to SAIL within that year as you mentioned. That seems to mean you have 4 years to sail...

 

BUT I hope everyone realizes that this was and MBNA program and they got bought out by B of A. So I'm not real sure how long they will keep the program as it sounds like from some of the posts they are trying to stear you to their World program. Personally I use them as I get them in $500 increments. Carnival didn't give too much time to cash out points and use them when they dumped their program from Capital One a couple of years ago and I learned about it first on these boards so watch the fine print that comes with your statement or sent separate...:eek: :rolleyes:

 

Debbie

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If they had plans to do away with the NCL points through BOA do you think that they would be still issuing the NCL credit cards? We got our second one in hubby's name a month or two ago. The link to it was hard to find but someone posted it for me. Should I start spending more $$$ fast? :D

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debjo...I would call NCL and ask them about the upgrade certificates. :confused: I would also hesitate to send the $500 certificates after final payment. With my luck I would get the person that read the instructions and dosen't bend the rules!

I have sent them after final payment with no problem. They just credit back your credit card. I can't say how long after final payment mine has always been weeks not months...

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quote=Pred

 

Caveats

- Cardholder or authorized user must reside in the cabin to use the certificates

 

 

There appears to be a change to this requirement.....

 

I booked two cabins for my family with the idea that I would use $2000 in certificates towards the $1150 balance on each cabin.

 

My wife, an authorized card user, was booked in one cabin, I'm the card holder in the other. Mailed all certificates together, following the suggestions on this board, with a cover letter explaining the whole thing (booking#s, agent, cabins, ect).

 

I call my agent yesterday to pay the $150 balance on each cabin and only my cabin has the $1000 credit.

 

My agent calls NCL is told that the certs for my wife are back in the mail (to me) as her name is not on the certificate. They did this without talking to anyone. They tell my agent there is nothing they can do. My agent tells me I should call the cruiseline directly - why I would have more "juice" than the agent is beyond me, but I call and of course they tell me they only want to talk to my agent.

 

I yell that whole thing down and finally get a supervisor who suggests that I call the points people and have the certificates issued in her or both names. As I'm right at my due date, I ask for an extension, and they say that only my agent can modify my booking.

 

So I call the agent back, she gets a "10 day rolling extension." Of course the points folks are not open on weekends - I have no idea if they will change the name on the certificates or if I have to send the originals back (of course I don't have them yet) before they will. All the while, I'm rolling past my refund dates - and I'm not going on that cruise w/o the $1000 discount.

 

WHAT A PAIN IN THE A$$.

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Call BOA (or whoever is involved) and if they say that the certificates can be changed to your wife's name, call NCL and ask if you will be reimbursed the $1000 when the certificates arrive and throw the balance due on a credit card. My certificate came very quickly last time so you might be able to get everything straightened out before your MC bill is due? If this can be done and I don't see why they would say no, and you end up paying a few dollars in interest, it's still a good deal because you will be saving $1000! :D Sometimes we need to play the game by their rules and since they are giving us a $500 or $1000 award for spending money we take whatever we can get and say thank you very much. ;)

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Call BOA (or whoever is involved) and if they say that the certificates can be changed to your wife's name, call NCL and ask if you will be reimbursed the $1000 when the certificates arrive and throw the balance due on a credit card. My certificate came very quickly last time so you might be able to get everything straightened out before your MC bill is due? If this can be done and I don't see why they would say no, and you end up paying a few dollars in interest, it's still a good deal because you will be saving $1000! :D Sometimes we need to play the game by their rules and since they are giving us a $500 or $1000 award for spending money we take whatever we can get and say thank you very much. ;)

I don't look at it as if they are "giving" us anything. We could choose to rack up GM dollars, Discover dollars or FF miles (before you say it... I agree that using miles is an even bigger pain). I appreciate your suggestions. I have a workable solution with the 10 day rolling extension - provided I can get the certificates re-issued expeditiously.

 

The point of my post was two-fold:

 

1) Make sure other members understand that they should get the certificates issued in more than one name if they are booking more than one cabin.

2) Complain that NCL just put the certificates back in the mail instead of callling my agent and coming up with a workable solution. Instead I ended up as the middleman, between my agent and NCL,two weeks later - that is messed up.

 

Its very easy to say "call whoever" - but you need to understand the time and frustration of figuring out who to call, getting the right numbers, and explaining the situation over and over again. It stops being "a gift" when you have to work that hard at it.

 

I do appreciate your sugggestions and hope this update helps other members make better use of the program.

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2) Complain that NCL just put the certificates back in the mail instead of callling my agent and coming up with a workable solution. Instead I ended up as the middleman, between my agent and NCL,two weeks later - that is messed up.

quote]

 

 

....Rome Season 1 Disk 3, Sponge Bob the Movie.

 

All of these DVDs have made round trips from and to Netflix since NCL says they mailed my certificate! But the certs they insist they mailed back have not made a one way trip yet.

 

Bank of America will reissue the certs in my wife's name, but they want the originals. Still don't have them back from NCL and I'm getting short on time.

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We received our last statement expecting to earn over 300 points and only had 18!:( I know what happened, just didn't expect it. We had earned our maximum points for the year. When I called BOA to make sure this was the case and to find out when points would begin again they said they would start back up in October. I should have asked for more specifics; does anyone know if that means with the October statement or with October purchases? If not, I'll call and wait on hold again...:rolleyes:

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Thanks for all the info on this board. I just got a $500 certificate today and read that it was to be mailed by our TA with our final payment, which was paid last week via my NCL credit card.

 

I had called NCL last week to ask what to do about booking my cruise after final payment was due and using a voucher. They told me to use my credit card to pay for the cruise in full and then send in the voucher and they will refund my credit card when they get the certificate.

 

I mailed in the certificate today and hope to see the $500 refund on my credit card soon.

 

I did see that there is an expiration date on the certificate of September 2008, which is exactly one year from the date of issue.

 

I am thinking or requesting another $500 voucher to use for a weekend cruise in December. Now that I know that I have one year to use it, I think I will keep one on hand for my next booking.

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Nealstuber - wow, what a mess! We booked an identical situation as you in July on the Pearl and had no problem. (We had another huge mess but that was a TA situation unrelated to certificates) All the certificates came in my name since I called to redeem them. Hubby is an authorized user on all our cards so it never occurred to me that it would be an issue.

 

We have done 5 cruises and have 1 more booked with compass points without problem but it does seem that they have become increasingly nitpicky about their program. We were booked for a cruise on the Sun in April and had to move it up one week because our certificates expired 1 day before the sailing date. In the past they actually gave you to the end of the month in which the certificates expired but now they allow no flexibility in the date.

 

And while many of the BoA (and NCL) employees don't understand the program and dispense incorrect information, that's nothing new.

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Nealstuber - wow, what a mess! We booked an identical situation as you in July on the Pearl and had no problem. (We had another huge mess but that was a TA situation unrelated to certificates) All the certificates came in my name since I called to redeem them. Hubby is an authorized user on all our cards so it never occurred to me that it would be an issue.

 

We have done 5 cruises and have 1 more booked with compass points without problem but it does seem that they have become increasingly nitpicky about their program. We were booked for a cruise on the Sun in April and had to move it up one week because our certificates expired 1 day before the sailing date. In the past they actually gave you to the end of the month in which the certificates expired but now they allow no flexibility in the date.

 

And while many of the BoA (and NCL) employees don't understand the program and dispense incorrect information, that's nothing new.

 

Make sure you get the certs issued in two names if you need to apply them to two cabins. NCL has lost the certs and BOA still say they want the originals b4 they re-issue.

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I'd be curious to know how many posters have actually be able to apply the

certificates to their deposit, by sending them in with final payment and receiving a credit back on their credit card?

 

Because we are booking an 8-night cruise our deposit is $800 (for two people). I will have enough certificates to cover the total cost of the

cruise (about $1700) would hate to miss out on getting the $800 deposit covered.

 

Thanks.

 

Upfee

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I'd be curious to know how many posters have actually be able to apply the

certificates to their deposit, by sending them in with final payment and receiving a credit back on their credit card?

 

Because we are booking an 8-night cruise our deposit is $800 (for two people). I will have enough certificates to cover the total cost of the

cruise (about $1700) would hate to miss out on getting the $800 deposit covered.

 

Thanks.

 

Upfee

 

I've submitted certs to cover the entire cruise cost and have had my deposit credited back to my cc for our upcoming cruise.

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I'd be curious to know how many posters have actually be able to apply the

certificates to their deposit, by sending them in with final payment and receiving a credit back on their credit card?

 

We've had a bit less success than the previous poster. We submitted $1500 worth of certificates for a cruise in which we owed only $1300 (appx) for final payment. The NCL call center twice told us that we would be refunded the difference on to our original deposit credit card and we still have not received it. It has been about a month now.

 

The last time we called we were given a number to contact regarding our refund. The person in that department now states that even though we are, indeed, owed the refund our travel agent has to call to make the request. Unfortunately for us, we booked through a cut-rate travel agent who (so far) has been unresponsive for our request for them to call and initiate a refund request.

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Redemption Options:

 

Points Cruise Discounts

500 - $500 cruise discount

1,000 - $1,000 cruise discount

1,500 - $1,500 cruise discount

2,000 - $2,000 cruise discount

2,500 - $2,500 cruise discount

3,000 - $3,000 cruise discount

 

Is there a ceiling on how many points you can use per cruise? If I have 3500 can I use them all at one time?

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Redemption Options:

 

Points Cruise Discounts

500 - $500 cruise discount

1,000 - $1,000 cruise discount

1,500 - $1,500 cruise discount

2,000 - $2,000 cruise discount

2,500 - $2,500 cruise discount

3,000 - $3,000 cruise discount

 

Is there a ceiling on how many points you can use per cruise? If I have 3500 can I use them all at one time?

 

Don't think there is a ceiling; as long as your cruise cost is => the amount of certs submitted, you should be fine.

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In answer to two questions:

Only once have I overpaid a cruise with certificates and they did credit back the $100 difference. I was quite surprised as I did not expect it. The written policy (and what I've always been told by reps) is that partial certificate balances are non-refundable. ie. If you send $1,500 for a 1,300 cruise you forfeit the $200 balance. I always book a level as close to my certificates on hand as possible and pay the smallest amount of additional cost possible. This is definately the safest thing to do. I also keep bumping my cabin level until I get as close as possible.

 

Yes, I have paid for several cruises in full with certificates. I paid the deposit by M/C and when the certificates were received it was credited back. Takes 2 billing cycles.

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Maybe dumb question-but, is the ncl card better than the seamiles card? I have not cruised NCL yet-going Oct 31. I have a friend who loves NCL and has gotten 3 free cruises from card. So it sounds great to me, but would seamiles be better since you can use it for any cruise? Does anyone have any comments? Thanks

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Maybe dumb question-but, is the ncl card better than the seamiles card? I have not cruised NCL yet-going Oct 31. I have a friend who loves NCL and has gotten 3 free cruises from card. So it sounds great to me, but would seamiles be better since you can use it for any cruise? Does anyone have any comments? Thanks

 

The meaning of Better is in the eye of the beholder, that was helpful, huh. :rolleyes: You will have to do a comparison and decide what is better for you, the Seamiles or the NCL card.

 

One of the major drawbacks to the NCL card is that it is only good for NCL cruises. But...most people that post on this NCL board and have the NCL credit card, like to cruise with NCL and have found the card to be beneficial to them. We have only cruised on NCL and have saved a significiant amount of $ by using the NCL BOA card's points. Others sail with NCL and different cruise lines also. Just because you have the NCL card, you can still sail elsewhere (just not use the points towards the fare).

 

From what I understand, you receive more points with the NCL card than other cards. But, I haven't compared them to verify that. Read the terms and conditions of the cards and work from that information. Also, after your cruise, you will have more info (did you like NCL and are willing to cruise them again or did you decide they're not to your liking, etc.) that will be helpful to your decision.

 

Good luck and only you can make the correct determination of which card to get. :o

 

PS...We're just down the street from you, we live in the DTC area.

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here is the sea miles list

 

http://www.seamiles.com/ITGUpload/flashimage/SMchart0106a.pdf

 

1 point = 1 dollar spent.

 

on NCL to get 500 off you cruise you need to spend about $16,750

 

you need to decide yourself what is better. I know what I think....

 

 

as to maximum amount on the NCL card you can only earn $1000(and $250 per month) per year and they expire after three years so three thousand is about the max on ONE CARD. You can have one in your name and one in spouse's name...

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I think I agree with Smeyer on which card is the best.

 

According to the link, on Carnival 7-day Caribbean cruises (ocean view) you need charge $65,000 (per person) to get the cruise (65,000 points required at 1 point per dollar). On Carnival's website, that equates to anywhere from a $500-$900 cruise (depending on itinerary/month of sailing). Note that double points for Carnival cruises are not included in my comparison.

 

By the same token, charging $65,000 on NCL cards will yield $1,950 in cruise certificates. Charge another $1,667 and you get another $50. So there is $2K to use toward whichever NCL cruise you choose, without limit to category or duration. And, it pays for more than one person in the room.

 

If I have holes/errors in my assumptions and conclusions, please let me know. I may change my credit cards if there is a better deal to be had.

 

 

Thanks!

J

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Can I get another clarification on the loss of points after the three year period.

 

If I can just use 'round' numbers.

We are nearing the $30G total to basically get $1000 off a cruise. But we are also nearing our 3 year term. Again, using round numbers, say we charge 10G a year for 3 years, totaling 30Gs=1000 off. If we do not redeem anything before the 3 year expiration date, do we lose 333 points, about 1/3 of our total, or do we lose a specific amount each month after the 3 years?. Like is we earned 25 points the very first month we used the card and after the 3 years and one month, do we now have 975 points??

Am I making myself clear??

 

Another question--again 3 years and 1000 points. We get one certificate for 500. I would assume that it starts at the earliest point and works it's way back towards the present. So if we did this, we would now have another year and a 1/2 (again, just round numbers) before we might begin to lose points again???

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Can I get another clarification on the loss of points after the three year period.

 

If I can just use 'round' numbers.

We are nearing the $30G total to basically get $1000 off a cruise. But we are also nearing our 3 year term. Again, using round numbers, say we charge 10G a year for 3 years, totaling 30Gs=1000 off. If we do not redeem anything before the 3 year expiration date, do we lose 333 points, about 1/3 of our total, or do we lose a specific amount each month after the 3 years?. Like is we earned 25 points the very first month we used the card and after the 3 years and one month, do we now have 975 points??

Am I making myself clear??

 

Another question--again 3 years and 1000 points. We get one certificate for 500. I would assume that it starts at the earliest point and works it's way back towards the present. So if we did this, we would now have another year and a 1/2 (again, just round numbers) before we might begin to lose points again???

 

 

My understanding is that you will loose points each month, after the 36 month accrual time, not 12 months worth in one shot. Basically, if you don't use the points within 3 years, what you accrue in month 1 will fall off in month 37, month 2 will fall of in month 38, etc...

 

I'm not sure on this, we haven't not used all the points or come upon the 3 year time period yet. So...not sure if the system is FIFO or LIFO. I would guess it's FIFO, but that's only a guess. :o

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The above post is correct, First In-First Out.

 

So the points from the 37th month previous drops off your balance.

 

I think the best way to track is to have an excel spreadsheet with 6 columns: month/year; points earned current month; 12-monrth rolling total; points redeemed current month; points expired/37 months; and cumulative points.

 

For multiple cards have columns for each card.

 

Example: for the first 12 months of use, you earn 80 points per month then don't use the card again. Your balance is now 960 points. In the 37th month, the first 80 points drop off, leaving a current balance of 880 points.

 

Good luck!:)

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Maybe dumb question-but, is the ncl card better than the seamiles card? Thanks

The raw math says that you can get a free cruise much quicker with the NCL card than with the Seamiles or RCCL card.

 

Having said that, I cut mine up after 5 years. NCL is just too hard to deal with, especially when it comes to using these certificates. After accpeting only half my certificates , telling me I needed to get BOA to reissue the others in my wifes name, they "misplaced" the certificates in the accounting dept. After 4 weeks I had my agent call back to find out which ones they had, so I could start the "lost" process with BOA. They told my agent that they had found the missng certificates and had "just put them in the mail"..... 12 days ago.

 

So I now know I'm dealing with at least one liar and I'm still short and I have more phone calls in my future.

 

Carnival made vast improvements in their card when they got away from Capital One. The Juniper card got even better when Barcaleys bought them. I haven't used any Seamiles yet, but the website for point redemption looks very straightfoward and easy to use.

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Neal, I certainly hope you find something that works for you. It is too bad that things got out of hand and were not handled smoothly. When BOA bought out MBNA I assumed there was going to be some "interesting" things happen. So, I stayed on top of things and asked a lot of questions.

 

Let's hope the new programs, you are looking at, run more smoothly.

 

I, on the other hand, have never had a single problem using my Compass Rewards certificates. I have used about $25,000 worth of these certificates since getting my first card in 1997.

 

Please report back with results, good or bad, so others can have even more information to base their decisions on.

 

John

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I have another situation - this time BOA really helped me. We booked a cruise and ordered the $500 Certificates. I read the fine print (actually, it isn't really fine print, it was quite large!) and it said that the sailing must occur within one year of the date the Cert was issued.

 

My cruise didn't sail for about 13 months. I called back the next day and asked them NOT to process the Cert, but it was too late. Long story short, I contacted BOA and they said to return the certs with a letter and they would void the original certificates and re issue new ones when I requested them again.

 

So, I did not lose the $1000 and everything worked out! So even though I made a mistake, they worked it out for me. What a huge relief. In this instance, thumbs up to BOA!!:)

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