So, which of the two should I pay? If the guy who answered the call is to be believed, it should be the first one. Then why label the second one (the smaller amount) as TOTAL?

I’ve been paying SCB in full when I use my SCB card. The SCB bill always confuses the SM tellers. It confuses me, too, and that confusion leads to my previous rants.

So last month, the installment amount was Php2650.31, and the total payment due was Php2585.74. Naturally, I paid Php2600 because I thought the amount that I should pay for was the Total Payment Due. Then to my shock, for this month’s bill, I was charged Php70 interest. For what, my brain asked.

So calling the not-so-helpful SCB guy, the amount due for last month was Php2650.31 and not the Total Payment Due (which was Php2585.74). I kept on arguing and I felt my blood pressure rising so I did not bother anymore. Instead, I had my first card cancelled, and will have the other one cancelled as well, once I have completed the installment payments.

Maybe the way the bill is structured is designed to confuse the cardholder and thus earn more from people like me. Let this be a lesson for future Standard Chartered credit cardholders. There are better cards like BPI.