So I called Chase, the new holder of the Circuit City Credit Card. Apparently in the fine print in the 100 page booklet you are given when opening up an account, the lowest interest balances are paid off first and there is NOTHING that customer service can do about it.
I thought this was no longer permissible by law, but according to the customer service rep, which was not being helpful, is not. This is definitely definitely a shady business practice, so I hope that some good comes from my post. Since I was not able to apply my payment towards my interest bearing balance, I asked if she could lower my interest rate. The answer was “I don’t show any offers available at this time.” How nice and convenient.
DON’T DO BUSINESS WITH CHASE!