Can you explain what this wording means on my CCA?

SparciaM

FD CC:

allocation of
payments Payments received are applied to pay off the minimum payment shown on your statement, then the remaining balance on your statement, then any unstatemented items. Within each of these categories we will pay off any Balance Protector premium first, then charges and interest followed by transactions in the following order:
Special Balance Transfers
Purchases and Balance Transfers (excluding Special Balance Transfers) **see important notes
Cash Advances.
In each category, transactions will be paid in the order in which they were applied to your Account. Full details are set out under Other Financial Information in the gold card Agreement Terms.

(This reads to me that the first BT gets paid first, then when 0 the next, then purchases then cash)

AND:

minimum monthly repayment £5 or 3% (whichever is higher) of the Standard Balance, excluding any Balance Protector premium and £5 or 3% of any Special Balance Transfer balances, or the whole balance if it is less than £5.

(This reads that if I have a SBT and purchases, I would have to pay 3% to SBT and then 3% to Purchases)

FD have no clue and explain it relates nothing to do with the minimum payment but if I overpay on the card. Any other suggestions would be good.

Milarky

I think you have explained it all correctly with your own comments. What is it that unsettles you about '3% of [account] balance' - which is all it really amounts to?

SparciaM

they told me that as I have BTs and purchases, the payments will b allocated to all, so I was hoping for the BTs to b paid off first and then the purchases (for stoozing) yet this won't b the case according to FD.