Their plan is to make it easy to miss one of their triggers and hit you with the deferred interest. They are not out to help you, they want to hook you up into the milking machine. If they can't get you early they increase your credit hoping to snare you. When that fails to get you that's when they really begin the dirty game. I made a call to allocate payments to pay off the to "special financing purchases" that where coming due in the next 3 months. That should have dropped the amount to avoid pretty low. Nope the statement that showed up 7 days later shows another large sum due to avoid. When I called to get more details about the breakdown of the "amount to avoid" BS I was told a more definitive statement was not available. The amount of standard purchases I've made over the last 15 months is a smaller total than this amount on the new statement. I don't have the time or experience to dig into their Bernie Madoff schemes. I will pay these guys off and hit the door. You only win this one by not playing in the first place. I get that consumer banks are not known for good ethics and when MARQUETTE NAT. BANK v. FIRST OF OMAHA CORP.(1978) cracked open the vault the rats smelled the cheese and it was only a matter of time before these methods of usury became the American way. What a legacy.
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