We have a USBank credit card and received the 'free ' interest rate checks. The offer was 18 months no interest. We paid a dental bill with XXXX check and interest to start XXXX XXXX if not paid in full. 
Later in the year they sent checks again offering 18 months with no interest. We used XXXX check to pay for a hot water heater repair interest to start XXXX XXXX. 
Finally had to use the offer of 18 months with not interest. We used XXXX check again to pay a dental bill. 
Now we have XXXX outstanding amounts XXXX is due to expire XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. We sent in a large payment expecting it to go the XXXX XXXX charge [ note as of last month no outstanding balance other than the checks on the card ] Checking my statement found USBank applied the payment to the XXXX XXXX balance and only applied the minimum to the XXXX XXXX balance. 
When I called and finally talked with a supervisor asking for documentation that I should have received regarding this practice she stated the payments all GO to the HIGEST interest rate. Interesting all my XXXX checks have the same interest rate. So I will be paying off the oldest amount first and will be charged interest on the others as they become due unless I borrow money to pay off the full amount before XXXX. 
The supervisor stated they get a lot of complaints and they are looking into changing the rules. She did advise to make the minimum payment until XXXX. Once I am charge interest on the XXXX XXXX invoice pay it in full. Then continue to make minimum payments until the XXXX XXXX invoice is due then pay in full or make higher payments and the payments will all go against the XXXX invoice. 
XXXX last thing we do have a small recurring charge for newspaper delivery. Now we have to also pay minimum interest of {$2.00} due to the free interest total amount. Just removed that recurring charge to another card. 
I have only used a XXXX XXXX card with XXXX finance for 18 months. Have had more than XXXX purchase and they always apply to the oldest charge first. Never an issue. 
I will never use USBank card again. 
