I was two days late on my bill and a representative called to ask about payment. I explained to her how I went on the website to try and pay the bill but was unable to access my account, so I paid it electronically through my checking account. I also inquired about changing the due date and questioned the interest rate. I had transferred a balance that is supposed to be locked in at 0% for a specified time. I was told that my new interest rate on the entire balalnce was 29.9%! How can they legally break an agreement for a specified time frame where a fee was paid upfront for the priviledge? If I realized they were going to do this I would have never transferred the balance thus saving the transfer fee. How is this legal? It certainly is wrong on every level.
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