Generally, your Minimum Payment Due is first applied to balances with lower APRs and then to balances with higher APRs. Usually, the opposite can be said for any payment amount in excess of your Minimum Payment Due, which is applied to balances with higher APRs first, and then to balances with lower APRs.
A global citizen is someone who identifies with being part of an emerging world community and whose actions contribute to building this communityâs values and practices.
Business Network International (BNI) is an organization which is the world's largest referral organization with over 150,000 members worldwide. BNI is in over 58 countries worldwide. BNI was founded in 1985 by Dr. Ivan Misner for the primary purpose of building powerful referral networks.