The minimum payment
The amount required under the relevant account terms.
A promotional payoff target
The payment needed to clear the applicable balance before the promotion ends.
Why they can differ
They use different goals, balances and timing.
Work backward from the promotion’s end
The minimum payment answers what the account requires now. A promotional payoff target answers what would clear a particular balance by a particular date. Those amounts can differ substantially.
Locate the promotion’s end date, remaining promotional balance and payment-allocation terms. Confirm whether missing the deadline changes interest treatment and whether ordinary purchases share the same account.
This is a saved illustration with stated assumptions, not an offer or prediction for your circumstances. The full calculation and original limitations are in the optional archive.
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