I purchased appliances with my Home Depot credit card. The purchase was automatically placed on a 0 % interest promotion for 24 months. During that time, I made payments in excess of the minimum payment due. According to the Credit Card Act of 2009, section 104 subsection 164, " Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' I believed that the amount over the minimum due would be applied to the promotional balance. Since it had not been applied. I was charged {$1500.00} interest fees on a purchase of {$2200.00}. The interest charged is approximately XXXX % of the purchase amount. According to Home Depot, there is no way to opt-out of a 0 % interest promotion when you are making a purchase over {$290.00} during the promotional period. 
