Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Cash advance Ohio

My understanding is that, per the new laws enacted shortly after President Obama took office, credit companies were no longer permitted to apply payments in excess of the minimum balance to the lowest interest balances in favor of those w/ higher balances. In my case, today I contacted Synchrony Bank ( - ) re : my Gap Visa from which I took a cash advance of $1000.00 on -/-/16 and learned the following : I now have an overall balance of $4000.00, purchases are subject to an int rate of 25.24 % ; cash advances are subject to an int rate of 27.24 % HOWEVER even if i pay more than the minimum monthly payment ( ~ $80.00 ) NONE of that additional payment can or will be applied to the cash advance balance until I have paid off the lower interest purchase balance IN FULL. Is this still allowed??