Any amount you pay above your Minimum Payment Due is generally applied to balances with the highest interest rate (APR) first, as required by law.

Exception for Special Event promotions:

• In the last two billing cycles before a Special Event promotion expires, extra payments made before the promotion ends are applied to the promotional balance first.
• If the promotion expires before the payment due date in that billing cycle, extra payments are applied to the promotional balance first during the last three billing cycles.

Payments that are equal to or less than the Minimum Payment Due, as well as credits, may be applied at our discretion.

• This may include applying them to balances with lower interest rates or longer promotional periods first.

If you want your extra payments applied specifically to a Special Event promotional balance, please contact the number on the back of your card.