In XXXX 2015 the minimum payment on my credit card was {$270.00}. I paid {$300.00} and did not make any purchases, etc. on the card. As I understand it, {$270.00} should have gone toward the interest and the principal of the lower interest rate ( 9 % ) and at least {$24.00} should have gone to my highest interest rate of 16 %. When I look at my statement from XXXX and my statement from XXXX, though, the balance actually increased for the amount being charged 15.99 %. I called Bank of America XXXX times and spent more than an hour on the phone. The XXXX rep told me it was because I had underpaid XXXX month ( I did not ), the next call I got disconnected and the XXXX transferred me to a line that was supposed to have voicemail, but rang for more than 3 minutes without being picked up. 
