Balance transfers 2

Just in case anyone is looking at doing a balance transfer, I thought I would mention about how payments are applied in most cases.  I have noticed that in all the credit cards that I have come across is that the payment is usually applied to the lowest interest balance first.  So, for example if I have a balance transfer of  $5000 at 2% and then I use the card for purchases and spend $200, my monthly payment would be first applied in this case to the $5000 which means that the $200 would still be owing at the regular interest rate which for a lot of cards can be around 20%.  In this case, when doing a balance transfer, it is best not to use the card for purchases or else there will be little savings in the end since all purchases would have a higher interest rate.  Also, it is important to never be late on a payment since the promotional rate can be taken away in this case and it will become the regular interest rate.  In all cases, it is best to read all of the small print that is included in your credit card agreement and then call the credit card and ask questions to be clear.