citibank 的 payment appropriation 条款

今天收到citibank 的 email ，改了很多东西，有一条是

Revision to Payment Appropriation Clause in your Cardmember's Agreement

Please be informed that with effect from 4 February 2014 the payment appropriation clause in your Citibank Credit Card Cardmember's Agreement will be revised to clarify how payments are appropriated**. Please refer to www.citibank.com.sg for the revised Cardmember's Agreement.

Appropriation的意思是说 如果信用卡欠钱，他们可以从你的账户里扣钱吗？但如果只有citi的信用卡却没有他们的账户，他们怎么办呢？

在他们网上搜了一下，看的蒙，有没有大牛给解释一下，谢啦

11.8 Appropriation of payment by basic cardmember
(a) Without prejudice to the other terms and conditions of this agreement,
the basic cardmember hereby agrees and/or undertakes to procure
that all payments required to be paid under this agreement from any
source, will be made without any instruction to us as to the manner
in which such payments are to be appropriated.
(b) We have the right, in our reasonable discretion, to appropriate all
such payments in the manner we deem ft, notwithstanding any
instructions given to us at the time of such payment.
(c) Without prejudice to our reasonable right of appropriation, we may
appropriate all such payments frstly in reduction or extinction of such
part of the current balance incurred by the basic cardmember and
secondly in reduction of such part of the current balance incurred
by the supplementary cardmember, such secondary appropriation to
be in such order and in such manner as we deem ft in our absolute
discretion.

15. APPROPRIATION OF PAYMENT/RIGHT OF SET-OFF
15.1 Right of appropriation
(a) We are entitled in our absolute discretion to apply and appropriate
all payments received by us in such manner or order of priority as
we may deem ft, notwithstanding any specifc appropriation of such
sums by you or any person making such payment. Without prejudice
to the generality of the foregoing, we may apply payments received
by us in the following order of priority :-
(i) all unpaid interest, fees and charges shown in any previous
statements of account;
(ii) all unpaid interest, fees and charges shown in the current
statements of account;
(iii) all unpaid fund transfer balances (subject to 15.1 (b)), cash
advances, card transactions shown in any previous statements
of account;
(iv) all unpaid fund transfer balances (subject to 15.1 (b)), cash
advances, card transactions shown in the current statement of
account; and
(v) all unpaid fund transfer balances (subject to 15.1 (b)), cash
advances, card transactions not yet included in any statement
of account.
(b) Payments made to your card account will always reduce the balances
transferred under the latest fund transfer program (after it has been
refected in your statement of account) before reducing any other
current balance in your card account (including any balances
transferred from previous fund transfer programs).
15.2 Right of set-off
(a) We may at any time with reasonable notice to you and without
liability in any way to you, combine or consolidate any one or more
accounts which you may have with us and set-off or apply any monies
standing to the credit of such accounts in or towards the discharge
of the current balance or vice versa.
(b) Where such combination, consolidation and/or set-off requires the
conversion of one currency into another, we are entitled to effect
such conversion at such time and rate of exchange in accordance with
our usual practice and you must bear all exchange risks, reasonably
incurred losses, commission and other bank charges which may
thereby arise.