User talk:Amc1138

I to am having troube with Capital One. I took out an access check that explicitly stated th terms of the agreement (0% interest for 12 months with a 3% transaction fee for the amount of the access check). Turns out that there is a finance charge unless I pay off the entire amount of the check and all of my purchases. Capital One's answer to this was they first apply my payment to those transactions with the lowest interest rate and then to my purchases I made during the month. So I incurred a finance charge on my purchases. No where in the offer was this disclosed. Anybody know where I can go to get some help on this?