JPMorgan Chase Credit Card Complaint

JPMorgan Chase Credit card department,

Payoff process Arizona

About - 2015 I accepted a promotional balance transfer ( $4000.00, 0 % interest for 16 months or similar, for a 2 % = $80.00 transfer fee ), and carefully tried to immediately pay off any purchases as they posted ( payment - applied to minimum payment, then to highest interest rate etc. ) While I am contesting several misallocated payments, the easiest id to just focus on the airline ticket purchase of $1200.00 + $790.00 = $2000.00 from - -, and payment made on - -. I made sure to pay after the ( pending ) had changed to ( posted ). Still, the CC applied my payment to my promotional balance instead of my new purchases ( largely voiding the interest free loan that I had paid $80.00 for, and punishing me with unjustified interest charges ). This already seemed to have happened in - ( confusing ). I had a long phone call with CHASE - - regarding unreasonably high interest charges. On - - I bought airline tickets for $2000.00 and for $340.00 which posted on - - and - -, and I made payments for the same amounts - - and - -, which posted on - - and - -. Yet on my newest statement received today ( - - ) interest charges where again too high. I called, and after being escalateded up - levels I learned that most of my payments had been applied to the 0 % promotion balance instead of the purchases ( which by then had posted and which carry a 15 % interest rate ). After a long phone conversation, I was told that this in agreement with the cardholder agreement ( backside of statement, attached ). I do not agree. The service rep told me that I have to wait for the statement period to lapse in order to have my payment be applied to the new purchase. I can not understand how the paragraph ( attached ) that she pointed me to says this, and at the very least this is a deceiving statement and practice.