Unfortunately even the statement doesn't necessarily show up to the minute information, only the average daily balance that was subject to each interest rate and promo (even if 0%), which will not add up to your statement balance if a payment was made during the cycle or if the balance otherwise changed during the cycle.
If your balances are at the same rate (0 or 1.99 is all I have had for years), the full payment is allocated to promo expiring first. Other than calling, I am not sure of any way to determine the exact amount still sitting on each promo. When I do a BT, I track it in my spreadsheet as it's not uncommon for me to have 2 or 3 with BOA, then I just apply the payment to the promo expiring first since they are always the same 0% rate.
@Anonymous wrote:I have a couple of different balance transfer balances on my Bank of America card. I know it's broken down on the statement itself, but would like to see a more current breakdown. I'm also aware that payments in excess of minimum by law must be allocated to the highest interest balances first and so on. My balances are at the same rate, but one expires over a year before the other. I'm curious how a large payment that I've made since the last statement cut was allocated. Is there any way to see this other than wait for the next statement, or perhaps call them?
Usually at the end of the credit card statement it shows which interest rates are being applied to which balances, and when each promo rate ends.
