After making extra payments for two months on my Chase Credit card I asked them why the higher APR interest rate balance on the card had not reduced, only the lower rate. This is what they have told me;

Thank you for contacting us with your concerns about the payment calculation on your account.

Please be informed, when a payment is received, it is generally applied to the account's previous billing cycle balance before getting applied to the account's current billing cycle transactions.

In most instances, payments are applied to balances with lower Annual Percentage Rates (APRs) before balances with higher APRs. Unpaid interest charges and fees associated with each balance type are generally paid first. We then allocate any remaining payment amount to the principal balances beginning with lower-APR balances and ending with higher-APR balances. Payments are generally applied last to standard cash advance balances and special qualifying interest-free promotional balances.

At this time, we're unable to apply payments to a specific balance on request. If a payment is greater than the balance, the excess will be recognized as a credit balance. It will then be applied as a payment toward future transactions or refunded to you.

I hope this clarifies your concern. If you have any further questions, please reply using the Secure Message Center.
Didn't the law pass in February of this year to apply extra payments to the higher interest balances??????