With the enactment of the Credit Card bill, by law so says everyone, any payments made must all go to the highest interest CCs first before the lower interest CCs if a company like Macys offers more than one account type. I have two Macys accounts (well, 3, but one is at $0 and inactive) and one of the two is a revolving account at 20-some-odd percent interest and the other is a Special Event account for a mattress purchase at 0%. The Special Event account is due by 8/27 if I want to avoid $400+ in added interest charges due to the expiration of the 0% promo.
So, last month or so I called and asked them how I was to pay the 0% account if they wouldn't let me pay online or pay that account at the store. They told me that if I paid over the minimums, by default, the extra money would be thrown at the Revolving because of the higher rate. I was told that if I made a payment above and beyond the minimum, I could call them and ask that the excess payment be applied towards the lower APR account (in this case 0%).
So, I called today after paying a huge chunk to cover the balance on the 0% as I wanted to avoid the $400 interest. The CSR told me that I had to pay 100% of the Revolving before I paid anything on the 0%. I reminded them of my conversation I had last with them and was told that I was incorrectly informed and then she cited the CC law as the basis for their request denial. She told me that she'd allow an exception if the 0% was due within 2 months. I tried to reason with her saying the 0% was due in August and we are now in June. She said I had to wait until after the July 3 statement to apply any excess to the 0%. I then asked for a supervisor.
The supervisor comes on and said the exact same thing and told me that he'll grant an exception this time. He said that he'll do that and to call him back if I had any questions. I asked him to repeat the figures on the phone and my and his math matched and we ended the call.
Throwing this out as an FYI if any of you are going through the same. Pain in the butt. BTW, they all sounded flustered and frustrated. I guess they are tired of us complaining about the CLs. Keep it up. 
During the last two billing periods before the interest kicks in on the special event account, you should be allowed to pay towards that balance after the minimum payment on your Revolving is made.
