That was always how it was. Even before Synchrony, I have been calling them every month to have re-allocations done. Even back then, they did not acknowledge that it was a bug. In fact one of them even told me it is a feature. Most "24 Month Easy Payments" transactions have a positive interest rate, and they do not have "accrued interest". Interest is due with every payment with "Easy Payments" transactions. So by clearing off the Easy Payments balance sooner, it was saving me interest expense. This is the order the payments are allotted, regardless of the interest rate, even 0%. I happened to score a 0% 24 Month Easy Payments which was apparently rare (not true based on all these people discussing). Their system is predisposed to clear Easy Payments first unless any one of the Interest Accruing transactions was approaching it's due date within 60 days. So by doing that it was "saving" me the $0 in interest every month. I was not concerned of paying any interest ever, but the only issue was that I would be making bigger payments (many hundreds instead of a few hundreds) every month. And most of it would be clearing a balance that doesn't mature until Summer 2020. So I'll be paying it off sooner. What was the point of the interest free 24 month allowance then? If Synchrony implements a payment allocation feature without having to call each month (which is infuriating since Synchrony came), they are taking things in the right direction.
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When payments are applied, I have a 24 month 0% easy pay transaction that could go on up to June 2020, that takes precedence over other shorter term (6 months) transactions. Earlier, under Comenity, before Synchrony, a US based customer service rep always helped me out. They would reallocate payments month after month over requests made on he phone. Each request would take anywhere between 2 days to a week, all of this was wonderful enough for me. They even sent me emails saying a work case has been raised, and another one when it has been completed. Usually the next business day after the email saying it is completed, I see the desired changes reflected on the account. And my statements are in perfect order. After Synchrony took over at the end of June, I called them in the middle of July to re-allocate my last payment. It was an overseas call center. I made the same request, they assured me that the request was put in, and the "backend team" would make the update shortly. No emails. After a week, no update, I called again. And they said they would ask the "backend team" do it ASAP. A while went by, and they did it late July, and later my statement was issued and it was alright. My next request happened at the end of July again for the next payment made. It's been 16 days as of today and I have no update. Statement date passed and the statement excluded the payment reallocation and shows balances based on their garbage allocation logic. So I started maintaining a spreadsheet of what I expect my statements to look like based on how I wanted payments allocated. I called a second time after a week and they assured me it was in the works and could take up to 2 billing cycles. That pace is disappointing. I argued that they did it within just 2 weeks (which already is too long) the last time around.....to no avail. A few days later I live chatted with them, and the person told me that the request is still underway. All the time, they kept insisting that the update would happen within 2 billing cycles (that's why I created the spreadsheet I mentioned above). The chat lady also did tell me that due to the volume of these requests, they are working on a feature where the users can allocate payments to individual transactions themselves, at the time of payment. I don't know how far along that feature is, or if it even will get implemented. But the fact that they told me that at all was promising.
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