[neatdesign]

Dude, no need to get snippy about it. I never said I was a "CC guru" but my experience working at a credit card company taught me things about credit cards that I otherwise wouldn't have known. One of those things has to do with payment allocation. Another is the concept of buckets, which is industry jargon to refer to the different types of balances making up an account's total balance.

That said, if you had a Capital One card with a balance spread over two or more buckets, and a customer rep ever told you that 100% of your payment goes towards the portion of your balance with the highest APR, they were lying. I know this for a fact.

To my knowledge, the T&C does not clarify the breakdown of the payment allocation beyond, "The balance with the highest APR gets paid down first." In other words, it doesn't give the actual percentages involved in the allocation.

I think I will call USAA and find out if they can determine the payment allocation percentage. If their systems are like Capital One's, they will not know the number off-hand, but they should be able to give me the breakdown of my payment allocations over the past few months. That's probably the closest I'll be able to get in calculating my payoff timeframe.

~ Jenney