Citibank Credit Card Complaint

Citibank Credit card department,

Payoff process California

Citibank is not applying excess payments to the highest interest rate. They are claiming a lower rate balance transfer qualifies to be paid first because it has a promotional expiration date. That makes no sense - it 's not an interest free promotion ( deferred interest ) it just means the rate will go up when it expires. This does n't qualify as per the legal requirements.