Jointly applying doesn't do you any good, but it does do the credit card issuer a lot of good.

联合申请信用卡对你们没有任何好处，但对发卡行却有好处。

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If the credit card issuer applied the payment to the interest-bearing balance first, the customer would pay less interest overall.

如果信用卡发行人能够优先冲减有息债务，消费者支付的利息总额将大大减少。

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Credit card issuer MBNA (now Bank of America) was known in the 1990s for its corporate mantra, "Think of yourself as the customer."

信用卡的发行人美信银行(现在的美国银行)因他的公司信条——“把自己当成顾客”而在1990年闻名于世。

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Interest charges begin at the time the check is issued to your new credit card issuer.

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Put the readings in a secure database--on, say, a mainframe owned by the credit card issuer.

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