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The Minimum Payment Due is the minimum amount that must be paid on or before your Payment Due Date to avoid Late Payment Charge. It is composed of the following: (a) 3.5% of your Total Statement Balance inclusive of all fees and charges and monthly installment/s, if any, but exclusive of any unbilled installment amount, and any amount in excess of your credit card limit; (b) past due amount, if any; and (c) any amount in excess of your credit card limit. The Minimum Payment Due is the sum of (a), (b) and (c); or Php 200, whichever is higher.