Best option to pay my outstanding balance with zero to minimal interest
Hello!
Medyo naguguluhan pa po ako, since new credit card holder pa
Bali ito po scenario ko now
June 12 SOA worth 17k (cycle date May 12 - June 11) due on July 7
June 16 nag pay ako 5k
June 28 nagCA po ako 10k
June 28 posted ang another payment ko na 5k..
nagsearch search ako na ang priority of applying the payments I made is by 1 CA interest 2 CA principal amount 3 Purchases I made using CC
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is it true po ba na yung 5k na binayad ko last June 28 naabsorb na sa nung 10k CA?
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if iconvert ko ba now yung 10k CA, since naabsorb na yung 5k as CA payment, nabawasan na yung principal amount na for installment?
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sa EW app, 10k pa rin po yunh option na ikoconvert ko siya, so if iconvert ko po siya, possible po ba na yung worth 10k na binayad ko is mapupunta na sa regular purchase ko which is ang worth 17k?
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may nabasa din po ako, to avoid multiple advance payments kasi machargan na ng 50 pesos, if so, ang magiging next payment ko may charge na ng 50?
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whoever expert po sa ganito, you advice po is really helpful. para magrasp ko magkano talaga yung need ko ipay para isang bagsakan lang.
thank you!
Posted Jul 4, 2025, 1:38 AM UTC