I bought a new computer at Circuit City for about $1000 on a 3 month no interest no payments deal on my Circuit City Chase credit card. I use my Chase Credit card for other purchase as well. When I got my bill I sent in my payment for the total of the purchase, and they applied it to the promotional balance first. So I called to say, how can I take advantage of the promotional balance? They said you can't because of the paying promotional balances first. So I said I would like the finance charge reversed and I'll pay it off. They refused to reverse the charges, even though I paid of all current charges, and still have 2 months on my promotion. Oh, the finance charges total $13.81, big deal. I wonder what's the cost of customer acquisition?

Conclusion: Chase Credit card promotional balances are a scam because it is impossible to take advantage of them and still use the card. Chase bank is difficult to work with and seems to be attempting to get rid of me as a customer. I think their strategy is working.