Re my post above.

I have just checked my statement and it does say payments will be offset to "higher rate" items first.

This doesn't add up then as my balance transfer was £1,000, my purchases were being charged from June and in June my balance was below £1,000, same in July. So, by my calculations I cannot see how I have been charged, unless I am missing something here.

When I did phone last month, the girl told me I only had £273 that was interest free but she could not tell me how that figure was arrived at

So, if only £273 was left interest free, they obviously have been applying my payments to my balance transfer rather than my purchases.

PS By the way when I got an email last night re this post in that someone had replied, the link in the email took me to a very very old thread. Same with another thread I am subscribed to on this board, took me to the same old thread