I am after some advice and clarification before I take this further.
I have a Woolworths credit card with a balance transfer amount of $3000 owing at 0% interest. I have been making a lot of purchases on the card this month, mainly to gain the small amount of reward points it would attract. I would normally make a purchase, wait a few days for the pending to disappear and then make a repayment as I was under the impression that repayments should go to to highest interest attracting amounts first. So I could pay off the recent purchase while maintaining the the balance transfer amount but when I received the statement I was charged interest for purchases and almost all of my repayments were attributed to the balance transfer amount with the recent purchases now making up the bulk of the outstanding amount.
Is my understanding wrong in this matter?
Should I take this up with Woolworths financial services and who can I contact (ACCC, ombudsman) if I have trouble resolving this with Woolworths?