conversation: User (adamsw216): "I have an Amazon Store card that I've been using to finance a couple purchases, and I'm still unclear about one thing:  When I make multiple purchases with the card, the entirety of the money I owe is added up into one total balance.  However, say I buy one item with 6 month no interest and then another with 12 month no interest, and then just for the sake of the example, one item that does not get a no interest plan.  \n\n\nHow exactly do they determine what gets paid off first?  Will they put the money I pay back towards the items that were billed first?  Has the no-interest expiring first? Or what?\n\n\nAll inquiries with Amazon have resulted in them basically telling me they're not sure.  I'm guessing other store cards work similarly, so any help would be much appreciated.  Thanks in advance!\n\n**EDIT:** Alright, so after the consensus was that I need to contact the credit provider for the Amazon Store Card, I did.  They told me that any money I pay towards my total balance will be used to pay off whichever item promotion ends first.  So if I have a 12-month no-interest plan that expires in 2 months and a 6-month no interest plan that expires in 5 months, my money will go towards the 12-month since it expires first.  That's a relief!"
  Self: "It is up to the processor to do decide that, so they really should be able to tell you how it goes.  It should also be noted that if you do not pay off the "6 months no interest" within 6 months, almost all of those cards retroactively apply interest charges to those 6 months.\n\n  If I had to guess, I would say the amounts get applied proportionately and in whatever way they can make money.  I'm not being a cynical lol-banks-suck person - their business is to make money.  \n\n  How are you inquiring with Amazon?  If its through an Internet chat or email I would really try to get them on the phone since explaining your question takes a bit.  You should also try contacting the credit card issuer, aka the bank who Amazon uses to get the card, process the charges, etc.  "
  