Hey everyone, I have a quick question pertaining to JCP's special interest promotional offers, in particular, one that is going on now for furniture and mattress purchases of $1,000 or more on the card, 0% for 12 months.
I talked to a CSR and it's simiply listed as a promo offer on the statement, and not like Macy's in that they create a separate line. However, has anyone ever used one of their promo offers? If not, for anybody who has ever used 0% interest for finance accounts, store cards, and/or general CCs, what does a payment go toward first? The promo offer, or any regular, revolving purchases?
Thanks 
Plan on buying myself a nice, new, queen bed (only ever had a twin, need to measure my room and shift some furniture around to make sure it fits!), and a new mattress to boot! Waiting until the sale is good again and i'll be using my employee discount!
I would call into make your future payments and let them know how much you would like to go to the Promotional payment and to your regular balance. They will do that for you!
Starting Score: TU 589 EQ 526 EX603
@lanc wrote:The Credit Card Act makes anything over the minimum apply to the higher interest payment.
www.creditcards.com/credit-card-news/law-bans-credit-card-payment-allocation-trickery-1282.php
Does it mean if I have a transferred balance with 0% interest, any extra payment would go toward purchases which are being charged positive interest?
