I had a $3, 200.00 Balance (approx.) on a care credit card with no interest for one year and 21% interest. I had a balance of approx. $280.00 at the end of the one year period with no late payments and high payments early in the first three months of the pay back schedule that brought my balance down below $1500.00. At the end of the one year period I received a bill for approx. $672.00 for interest due which is the annual interest rate on a total balance of the $3200.00. I called to protest the charges and told them I would only agree to a charge of the interest of 21% of the actual monthly balance for each month not interest on a balance of $3200.00 since my balance was not $3200.00 each month. The person I spoke to said those are the charges and there was nothing she could do about it. I spoke to her manager and they took down my name a said they would look into it and get back to me, (never happened).I stopped making payments for 60 days until I could settle my dispute (my bad). GEMB agreed to adjust the charge to the interest for the actual balance and we settled at around $425.00 which I paid off over the phone with the customer service agent. I started getting derogatory reports in my credit report for a charge down that continues still and seems to get refreshed each year. I settled for the full amount of the interest for each monthly balance and believe the charges were wrong in the first place. Was I wrong or within my rights?