If you pay more than the minimum amount due, you may request that the card issuer apply any amount paid above the minimum to the deferred interest balance before other balances. However, the card issuer is not obligated to honor this request if it applies your payments in excess of the minimum amount to the balance with the highest annual percentage rate and any remaining portion to the other balances in descending order based on the applicable annual percentage rate. Even if the card issuer does this, the card issuer must, for the two billing cycles prior to the end of the deferred interest period, apply your payment in excess of the minimum amount to the deferred interest rate balance first.