I have a Zales account - which is a Citibank product. I am behind on payments and am trying to make a minimum payment. Their website will allow me to pay only THEIR minimum payment which includes all arrears - {$590.00}. I do n't have that much and would like to make a smaller payment, but their website will not allow me to do that. I want to pay - I just can not catch up right now ( going through divorce ). Should n't they accept any payment? After the first year, they added over {$1000.00} in interest to a {$2500.00} bill. Insane! 
