<prompt> Human: Does your payment always go to the lowest interest items on your statement? Is there a way to dedicate where that payment is applied to? So I have an issue with Chase and I wanted to see if there is anything I can do about it. I have about 4k that I transferred to Chase at 0 interest for 12 months. I then purchased 2500 in airline tickets for my parents, and made a payment for the 2500. That payment applied to the 0 balance transfer item, so now Im being charged interest on the airline tickets, and dont have another 4000 to pay off the card and avoid interest. Is this standard practice? Is there anything I can do, aside from another balance transfer to another card?  <response>: According to the Credit CARD Act of 2009 any payments over the minimum payment must be applied to the balance with the highest interest rate first. 