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albyd said:
Hi Andye, I didn't want to take a chance on it as most "older" credit cards still allocate payments to lower interest balance transfers first then to higher interest purchases so felt it might be a zero sum gain so just avoided it given I had so many others.might try to consolidate them down to a smaller number over the next year but maybe use supplementary cards more intensively next year.
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Makes sense. The old 'pay the lowest interest off first' was a big rort by the banks
 
albyd said:
Hi Andye, I didn't want to take a chance on it as most "older" credit cards still allocate payments to lower interest balance transfers first then to higher interest purchases so felt it might be a zero sum gain so just avoided it given I had so many others.might try to consolidate them down to a smaller number over the next year but maybe use supplementary cards more intensively next year.
Click to expand...
Call Amex and them to change the way payments are allocated to your credit card.
 
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