Aval Card is the worst!...when I took an extra-financing about a year ago, they told me that: 1. this would be a fixed amount to pay each month (true) 2. the interest rate on it was also fixed and would not be increased (ture) and 3. that if mid-way through the term established for repayment I could pay a SUBSTANTIAL amount towards the principal, I could either continue paying the same fixed amount until all was paid off or ask them to re-work the payments for the same amount of time (and, obviously, a lower monthly payment!)...well, someone just loaned me $1,000 at a 5% annual rate (considerably better than the 22% I'm currently paying THEM)...but, since I'm practically converting all my cc debts into loans, I'm left with "fixed" monthly payments, as opposed to decreasing ones...so, I thought paying the $1,000 towards this one would be a good idea...but, since I know them so well by now, I went and DOUBLE CHECKED before making the payment...guess what?... you cannot rework the payments!!...if you pay off the whole principal, then they'd knock off the interest...but that's the only deal you can get (and, no, the $1,000 doesn't cover it!...)so, I opted for paying off 2 cc's with a lower balance and putting the remainder towards THE LAST cc!!...

I still havent made those payments, but will post as soon as I do!!

The moral of the story??...ALWAYS, ALWAYS, ALWAYS re-check any info given to you that's not in writing!! (and, these companies here love to send you to their call centers as opposed to having someone talk to you directly!...i WENT to the bank...the lady in customer service sat me down and dialed the call center for me!!...how's that for avoiding accountability!)