Payments you make are applied to your last statement to the balances with the highest Annual Percentage rate, then applied in descending order of applicable Annual Percentage rate.

This means payments would go in order to:

  1. Purchases
  2. Cash advances
  3. Special promotions
  4. Balance transfers; and
  5. Interest free finance amounts.

The easiest way to remember this is “last statement, highest interest to lowest interest.”

Please note, payments cannot be allocated to any unbilled transactions, i.e. something we have not sent you a statement for.

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