How is amount to avoid standard and deferred interest calculated
I always pay off the full amount to avoid any interest charges each month (amount to avoid standard and deferred interest), however I cannot for the life of me determine where that amount is coming from. This month the amount I had to pay was $625. My purchases for the month are about $400. Of that $400, $150 was a promotional purchase that doesn't have payments due until August. And I had refunds for $50. I have several balances for promotional purchases, but none that are due until March. So shouldn't the amount to avoid interest only be about $200?! Where is this other $425 coming from?!