SunTrust Bank offered me a XXXX to replace the bank card that doubled as a credit card, I agreed to accept it. They also offer convenience checks monthly. I needed to use one with the understanding that it was interest free for 18 months. Starting in XXXX, I was charged interest. When I called, I was told that because the credit card was no longer interest free, the amount of the convenience check and whatever charges I had would be combined and I would be charged at the rate of the credit card. I stopped using the card and was still charged interest. 
What I learned today is that my monthly payments were allocated toward paying off the convenience check, that carried no interest, instead of the credit card charges which of course carried interest. I was never given a choice on how to allocate my payments. It is my understanding that consumers should at least be told when this is happening. Instead, the representative explained that it 's buried somewhere in the credit card agreement that I agreed to let SunTrust make that choice for me. 
I pay my credit cards in full every month. I have been charged a fee to use the convenience check, and then charged interest every month. This appears to be deceptive at best. And SunTrust is unwilling to make any adjustments. 
