Synchrony Financial Credit Card Complaint

Synchrony Financial Credit card department,

Credit card protection / Debt protection Pennsylvania

I purchased a bed in - - from - 's and opened a credit card with Synchrony Financial with a promotional 0 % interest rate until -/-/-. I then returned the bed for another bed that was more expensive. The difference of $290.00 was put on this same credit card with another promotional 0 % interest rate for 6 months ( amount due -/-/- ). The issue is the minimum payments did not include the amount necessary to payoff the amount of - promotional rate before it expires. This causes the deferred interest to be charged even if you pay the minimum payment. The credit card is one account so any payment should first be applied to the purchase off the promotion that has the shorter promotional expiration date to avoid the deferred interest instead of applying the minimum payment equally over the two promotions. Also there is no clear disclosure on the statement for how Synchrony decides to allocate payments ( apparently equally ). This equal allocation of payments traps consumers into not paying off the promotional balance before the promotional expiration date.