Discover Credit Card Complaint

Discover Credit card department,

Billing disputes Ohio

My problem is in two parts, both relating to how the credit card company has changed the application payments to my balance and interest charges. First, I recently made a payment in excess of the minimum. According to the Credit Card Act of -/-/- this should have been applied first to the highest APR balance and then to the next highest APR until the extra money was gone, instead this extra money was divided between the different APR balances. This meant that money was left on the highest APR balance, even though the starting balance at this APR was $0.00 and I made an extra payment of $20.00. When I requested an explanation of why the CARD Act was not applied they simple gave me a list of all the interest charges on my account and no reason for how they choose to apply this extra money above the minimum payment.


interest of the higher APR balances. This has resulted in the balances at the higher APRs in fact growing, even though I have not used the card during this time. The overall balance is decreasing but the balances at the highest APRs, and therefore their interest charges each month are getting larger.Is this legal? I know that payments over the minimum are supposed to go to the highest APR balance but I could not find an answer about whether the card company is required to use the minimum payment toward all interest charges that have been accrued during a statement period. When I requested an explanation from the credit card company about this change in how the minimum payment was applied they ignored the questions of legality and the change in policy, instead telling me to make a payment over the minimum if I wanted it to be charged to the highest APR balance. However, as I have previously explained, when I tried this the money was not applied as expected.