Cardready International, br This method is dynamically encouraged by almost all borrowing card issuers as a means to attract new customers. Such an placement is appealing to the consumer because the new bank or credit business business business card issuer will offer inducements such as a reduced interest or interest-free period, commitment points or some such other apparatus or combination of inducements. It is furthermore attractive to the borrowing business card business which uses this method to gain that new clientele, and of course detrimental to the prior credit card company. br br An alignment of payments for every credit business card identifies which balance(s) will be paid first. In nearly all cases payments request to lowest-rate balances first - highest-rate last. Any balance under a teaser rate or fixed rate will be paid off earlier than any buys or cash advances (which generally have the largest APR). By bypassing making buys or taking money improvement entirely, the borrower can ensure they maintain the full advantages of the initial balance transfer.