credit cards through Elan financial services beware of incentive charging schemes offering 0% on large purchases or balance transfers. Regular purchases even if you make high payments hardly get any of the payments applied until you pay off the credit card incentive offering first. when you do you will see interest charges for a month or two. to get around this I keep an overpayment of at least 500 on the card the bank uses and pay in full by the due date what i can figure is do to leave a credit balance at all times. their on line statements make it difficult to see how you payments are being applied along with no way to see a running balance until statements come out. Never have I been so frustrated with a card or their customer service. they keep referring to the agreement signed. Complaint to bank get referred back to credit card.
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