SL says:  ” I have three same-as-cash plans on furniture I bought at Furniture Row.  Each promotion expires on different dates.  Their policy on the monthly bill states that they will apply payments in the following order:  1) Minimum payments which are due (this doesn’t apply because I’m paying early); 2)  Finance charges due (again, doesn’t apply); and 3) In the order in which the promotions are to expire.  This is THEIR policy, yet they do not apply it automatically.  2 or 3 payments into paying off my purchase that was going to be first to expire, I realized they weren’t applying it to said purchase.  I called them and they moved the payments over the phone.  They told me I had to call every time I made a payment to make sure that they applied it to the plan they were supposed to be applying it to anyway!  If I hadn’t been paying close attention to my bill, this might have gone unnoticed and I would have been stuck with some severe interest and finance charges.  I still have to call every month to make sure they apply THEIR own policy.  It’s ridiculous”