I have made a massive effort to pay off my debt to Citi. Over the past 17 months I have made over {$6000.00} in payments above the minimum due. Despite contacting Citi several times, they continue to apply the payments that exceed the minimum payment toward the lowest interest rates first. They have paid off my deal at 0 % and after paying an additional {$1000.00} over the minimum last month, they once again applied a considerable amount to the lowest XXXX 2.9 % ) and less than half to the highest XXXX 19.99 % ). This has been continuing for more than a year. This is a clear violation of their Card Agreement and the Credit CARD Act. Also, In the past two months XXXX of my " deals '' have actually increased in amount owed. 
