If you decide to pay off the current balance or balance owing while you have active installment plans, you’ll get a credit on your account in the amount of your outstanding installment balance.

This is because your current balance includes future installment payments that aren’t due yet.

If you’d like to pay off your total current balance without receiving a credit, you can manually cancel your installment plan. Then the remaining balance would be applied to your current balance, and you can pay it in full.