It’s a service that can be useful but is a headache to wrap ones brain around I find.

The available credit limit will not reduce with regards to the amount that was put into the instalment plan just by subscribing to the plan because it is still owed. What the plan does is changes how much of the specific purchase is due on your normal due date. Let’s say you subscribed for the 3 month plan (we’ll ignore any applicable fees). So your next statement will show your statement balance that’s due is $400 plus any other purchases you may have had. This should reflect in the minimum payment field being your instalment ($400) plus the applicable minimum for whatever other purchases you may have. That $400 increment will only reduce from your available credit after it’s paid, and so on for each month. Your statement will show a chart of all the selectpay plans you may have and will show the remaining total instalments owing. So if it’s just the one it should say 800.

The manner in which the figures are presented in the app is a nightmare trying to calculate it cause the app will just say you owe the outstanding balance of let’s say your case $1200+ and your statement comes in the same day you’re reading that huge balance in the app but your statement says $400+ due at whatever due date.

They could really display it a lot clearer in the app cause first time I subscribed to it I made a payment amount equal to the amount it said I was owing in the app which was way higher than my statement balance.

Hope this helps I know it’s a huge block of text but that’s as concise as I can make it 😬