I had 0% promotional APR for 90 days purchasing furniture from Roomful Express - this was financed through CitiFinancial. I promptly made all payments as soon as I would receive the statements. My first two payments were posted fine except the last one was somehow delayed by 3 days after the promotional period had expired and I got hit by the accrued finance charges (balloon payment). I spoke with representative who was bit rude kept saying that I broke the contract by mailing the payment after the promotional period had expired. I politely... read full review »