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Top Question:
How are payments applied to my credit card?
Best Answer:

All payments are generally applied to your account for payment of the following items in the following order: Cash Finance Charge, Purchase Finance Charge, Miscellaneous Charges, Old Cash Balance, Old Purchase Balance, Current Cash Advances, Current Purchases.  We reserve the right to apply payments in any manner we choose provided we comply with all applicable federal and state laws.  Generally, and except as otherwise required by law, we will credit payments over the required Minimum Amount Due to balances with the highest APR first.  We will then credit payments to lower rate balances in descending order of APRs.

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