absolutezero wrote:Not sure how it is 'background hassle'.
Just don't make any extra payments.
Or if you have to, then make sure you make them before the day your statement is calculated.
It's hardly rocket science.
Manual payments are required in order to minimise interest incurred on overseas cash withdrawals. And to minimise this interest, payments need to be made as early as possible, which may mean they fall on or after the last statement calculation date, as in my case the example above.
Previously, these overpayments on/after the statement date were handled "intelligently" by the DD run, such that DDs established to entirely clear a statement balance would automatically take account of the manual payments, reducing the DD amount.
It's hardly rocket science to code it that way - indeed it used to do that.
Now, to avoid the overpayment scenario, I've had to change my DD from "full balance" to "minimum payment", and then *every* month (not just the occasional month where I make overseas cash withdrawals) I need to manually pay off the rest of my statement balance.
So, a bunch of work I never previously had. A retrograde step in functionality and convenience. At some point, I'll probably be away when one of these manual payments needs to occur and, if I forget to schedule the payment in advance, I'll end up not clearing the CC balance one month, thereby incurring interest charges.
None of this is the end of the world, just a bunch of monthly hassle I never previously had and would prefer not to have.
NB perhaps read the entire thread which covers all this already!