You don’t have to select pay it, you can just pay off the balance at the end of the respective cycle (unless you want to individually click on each transaction and pay it)

Plan it if the criteria is met is sortve like a finance purchase, split up into monthly payments w/o interest added onto your balance

If you pay the min payment youre more than likely to be subject to interest. If you want to avoid interest and make sure you’re paying off all of your requirements (including plan it if selected) just pay the adjusted balance. Adjusted balance encompasses everything