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