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One big reason is that when you make a payment, rather than paying the entire balance, the payment is applied to INTEREST and not the charges.
Another thing to remember is that even if you make a payment during the month, they apply interest to the full amount owed before the payment during the month. (Highest owed at anytime during the month.)
Be sure to call again and ask another and then ASK for an adjustment or allowance. Also, while you're on the phone, verify what you APR is and ask for it to be reduced. (They always do this, but if you don't ask, they charge the full allowed by the government.)
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