Also check if the interest rate applied to your balance is the correct rate that you think you contracted with your credit card provider. You may realize that your balance has been split in different dollar amounts with different interest rates. The length of the so-called teaser rate varies approximately from 30 to 180 days.
Some teaser rates apply only for balances transferred from one credit card to another.
Some may also include new purchases but seldom cash advances. Most banks apply your payments to the balances transferred first. Ask your credit card provider which transactions are included in the lower rate and how the payments are being applied to your account. For most new credit card applicants there is no annual membership fee. You may exercise your right to prohibit information contained in your credit report from being used in transaction that are not initiated by you.