Update by user May 08, 2018 This was not resolved although they did call me three times and in a pretty rude way let me know that their written agreement was more important than any inference of mine that they were doing things in a shady way. Legal is still Shady in this case. They seem to think consideration should not be given even though I made a large payment. I guess they are counting on me defaulting so they can get their 22 and a half percent. Never Original review posted by user Apr 07, 2018 I paid off a balance transfer 3 days ahead of expiration and they applied it to the balance of the 2nd balance transfer which was at .99 percent ...moved the sum to 22.49 percent - they refuse to apply my payment correctly claiming in the "legalize" it has to go to the highest interest balance ( o vs. .99). So by being responsible and paying ahead I am being worked over! When they were sued for mortgage fraud years ago I left them and I thought they had cleaned up their act... um, wrong! I have never made a late payment to them and have a high credit score and high account limit. They have no interest in retaining good customers - obviously the number of people to work over is a better profit margin than good business.