11.   If the debt has too badly damaged a credit rating already, shifting outstanding balances to another card with a lower interest rate still might be possible.

12.   If your interest rate is raised, the higher rate will apply not only to new purchases, but also to your entire outstanding balance.

13.   If you use the quick checkout service at your hotel, make sure the receipt does not show an outstanding balance.

14.   In some cases, people have taken out new credit cards to pay outstanding balances on others.

15.   Interest is paid only on the outstanding balance.

16.   It prefers applicants with solid credit records and large balances outstanding on their cards.

17.   Many people appear to be taking out new credit cards to pay outstanding balances on other cards, analysts said.

18.   Most rate increases also apply to outstanding balances.

19.   Some traders and investors say the new tranche may increase the outstanding balance of the bond enough for it to qualify for benchmark status.

20.   The banks, led by Bankers Trust Corp., demanded immediate payment of outstanding balances on the loans.