ONE bank has recently changed their interest policy so payments on amount owing go towards CASH withdrawals on credit cards, ie. the 20% interest on amount owing, the maximum interest amount. Previously all banks put repayments towards to LOWEST interest amount owing and made bank on the 20% status owing until that was ALL paid off. If you owe money to someone for 00 at 20% and 00 at 5% and you pay them 00 towards paying off the capital borrowed, it goes without saying the money goes towards the 20% loan!!!!! TOS that state otherwise are an unfair contract, and it was NOT common knowledge that banks did this. The banks must pay back 20 years of paying off the lowest interest amount, if the average Australian has 00 in credit card debt and is paying an extra 10% interest on half of that p.a. 0 per year extra paid X 10,000,000 Australians X 20 years = Billion owed to Australian bankers. They have 10 years or more of the overcharges on computer record and should reimburse everyone they ripped off, each Australian should get on average ,000. Herc