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  • Read the small print, some card issuers do that and some apply payments to the highest interest parts of your balance first. Sounds like you got one of the arsehole card issuers. Not much you can do if they are applying the terms of your contract, although I had a vague feeling that when my issuer switched to the nicer terms it was because they had been told to, so it may be worth looking into ombudsman cases to see whether they have directed any card issuers to do that, in which case you have a sporting chance of getting your issuer to be told to do the same.

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