Problems with BT and payment allocations

[Anonymous]

I have a card that currently allocates all my payments to the lowest apr balance which is 0%... meanwhile I'm getting charged 25% apr on the rest of my balance until I pay off that 0% balance. 

my 0% balance is $5000 I balance transferred to consolidate all my other cards. The 25% is $1000 for a check I thought was also going to be 0% for another card. Now the entire reason I balance transferred is pointless.  Anyone have suggestions on how I can fix this?

Edited to change message subject line after moving post into a new thread, split off from a thread on the Credit in the News Forum. - sidewinder

Message Edited by sidewinder on 12-24-2008 11:31 PM

[SCF]

Hey farnaz, welcome to the forums and happy holidays!

I think that at this point, you've got a couple of options.  First, you can try calling the CC company and see why your check went through as a cash advance rather than a balance transfer.  Not much hope here, but, if you have paperwork that indicated you were making a BT with the check, making a fuss might help.  Try to get a supervisor/manager or call a few times until you get an agreeable CSR if you think you have a case to make here.

If that doesn't work, or if they caught you with some fine print, you need to either pay off the $5k or BT it to another card so that you can start making payments on that $1k @ 25%.  That interest is going to stack up really quickly, and the only way to pay it down is to move that 0% 5k out of the way.

Good luck!