I've had my share of issues, but calling and asking for a PPC supervisor always works for me. I seen several people ask about the rules, so here's what I've seen in practice: Any payment goes first to the minimum amount due (total of easy pay balance payments plus $29.00). The $29.00 will be applied to any non-promotional balance first (any PPC purchase that isn't easy-pay or 6 month interest free (less than $99.00)), then to any 6-month promotional balance expiring in the next 2 billing cycles, and finally to your easy pay balances Any payment above the minimum balance follows item 2's order above - nonpromotional first, then 6-month promotional balance expiring in the next 2 billing cycles. then to your next expiring easy pay balance(s) If you are 3 billing cycles (or more) away from your promotional balance expiring, you either need to: save the money until you are 2 billing cycles away or call to allocate your "over" payment (over > above the minimum payment due). The $29 that is part of the minimum balance automatically goes to your non-promotional balance and then your next expiring promotional balance. No need to call to allocate it When you call in to allocate, the allocation occurs in 2 weeks (+/- a few days). The balance associated with the allocation will sometimes get relabeled as "Miscellaneous adjustment." I recommend keeping a worksheet to tell your balances apart (noting the original purchase date, purchase amount, balance month to month and expiration date). If you are overpaying, I'd recommend you make 2 (or more) distinct payments: The minimum payment The allocated payment, one payment per balance - when I've tried to allocate across multiple balances, it's invariably allocated incorrectly. It's a mess to clean up, so don't do it. If your payment equals the remaining balance for a 6 month promotional balance, then it's kind of hard for the supervisor to get it wrong. Example: "I want to make a payment of $59.08" to the balance expiring on Oct 11 that is currently $59.08 and was originally $99.00 purchased on Jun 10." I have found numerous times that paying the amount to avoid interest does not mean your payment will be allocated correctly. If you want to test where it will be applied, pay $1.00 more than the minimum amount and see what balance gets the $1.00 is applied. I'm often surprised here Do not make your overpayments all in one day. Make your minimum, let PPC apply it to your balances. Then call in to make your allocation and wait until it has been allocated before making any more payments. You can use the $1.00 overpayment to test theories on subsequent balances Example - you owe $59.08 on one balance expiring in Oct, and $99.00 on another balance. You want to pay both off this month. You pay the minimum plus $1.00 and the $59.08 balance reduces to $58.08. You then pay $59.08 ($1.00 more) and the $1.00 goes to one of your easypay balances. In this case, you need to call in to allocate your $99.00 payment. Hope that helps everyone. I don't know what happens if the only balances you have are easy-pay promotions. I assume the $29 is applied to the next expiring easy pay balance.
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