Newegg and billmelater

I have bought almost all my electric supplies from newegg. I have never had any issues. purchase over $3000 over the past 3 years. Other sites that I have purchase from for parts. CPU's, motherboards, ram, PSU's, projectors, cases, keyboards, mice, speakers, games.

mwave.com
frys.com
 
Newegg is good, however, bill me later is horrible. I have an account with them. You have 2 kinds of purchases, standard and the 6 months deferred. Although I always pay my monthly purchases dollar for dollar, I had to pay interest a few times due to the way they apply refunds/credits.

It took me some time to try and figure out how I was making the mistake, but after MULTIPLE CALLS I finally got someone on who tracked the account and found out this is how it was being done. I managed to get some of the interest fees back, but not all.

For example. I purchased $500 worth of stuff with 6 months of deffered interest in January. I also purchased $200 of "standard" purchases. So I send a $200 check in and I have no interest payment right? Now suppose a day after I payed them I made another standard purchase of $200 but I send an item back and get a refund for $100. My "Standard" purchases in now $100. So I send a $100 check in and I should have no interest to pay in Febuary either right? Wrong, instead of applying it to the standard purchase I made they put it on my interest free account. Next month, I find out I "underpaid" on my standard and owe interest on the balance.

So not only do I pay interest, but now they forced me to start paying my interest free credit off before I needed to. I even called them one month to confirm my payoff amount to avoid interest and they got it wrong! Instead of applying a payment to my next due deffered interest account, they applied it to a later one so I STILL got charged interest! CROOKS!

I now only but the interest free purchases and make them pay for me to use my credit card on standard purchases.