I think it's time to cancel my account. This is just ridiculous. I owed $3K on our WBTA. That promotional APR expires next month. Before we sailed, I added $1500 in an OBC for that cruise. That ends in February 2011. I smugly did this thinking that I would actually have until February to pay this. Then on the ship, I made a $250 future cruise deposit on the DV. That expires in March 2011. While we were away, I scheduled a payment of $2000 for 10/1. That wiped out the $1500 OBC and applied only $500 to my balance of the WBTA cruise. So, I owe $2500 on the WBTA and $250 in a new cruise deposit now. In order to not pay any interest, I need to pay $2750. Because if I made a payment of $2500, Chase would apply it first to the $250 deposit (even though that expires in March), and leave me the remaining balance on the WBTA, even though that expires in November. Regardless of when your promotional APRs expire, Chase now applies your payment to the promotion with the lowest balance. And it's not based on when the APR expires, it's based on the date of your last statement. No amount of calm reason or number of phone calls would get that change that. It was really a too bad, so sad attitude from Chase.