I have a Macy 's Credit Card, we recently purchased a mattress and chose the 12 month " no interest '' plan. The problem is that there is no option on the bill or on line payment, to pay the minimum balance due and allocate payment towards paying down the " special events '' balance. I have spoken to credit many times and they stated that the payment could be made if I talk to credit each time I make a payment and tell them how I wanted the payment allocated. Now it 's been 3 months in a row that I have done this and so far it has not happened, every payment has only paid down the revolving balance. No matter what I do they always take the total amount I send and only reduce my regular account and never put anything towards " special events '' balance. When the 12 months are up they are going to hit me with all the deferred interest. Never was I ever informed that in order for me to take advantage of the " 12 months no interest '' did I have to pay my revolving down to zero before my payments would be paying down my " special events '' balance. I spoke to the salesperson in the store and she had no idea that this situation existed. I think this is situation needs immediate attention and Macy 's should be held responsible for deceptive practices in credit offers. 
I have also encountered the fact that I can not enter my Macy 's account online. When I try to enter they say the information is invalid. They ask for name on card, birth date and last XXXX of SS #, an d when entered they say information does not match, this is indisputable information. Now I can even enter the Macy 's website to pay my bill. 
The credit department has been contacted and nothing has been accomplished except for the hours I 've spent on hold and talking to the XXXX. 
Please research this situation for bad credit practices. 
