In what order is credit card debt repaid?

Debt repayment for agreements concluded on October 18, 2021 is carried out in the following order:

1. interest on the principal debt, including technical debt, if any;
2. principal debt – first arising from purchases, then cash withdrawals, transfers, and quasi-cash transactions;
   
3. late payment penalty, if any.
   

Example: on January 1, you withdrew 10 000 ₽ from your credit card via an ATM, and on January 20, you paid for a purchase in a store for 5000 ₽. 

When you deposit money to the card, the interest on the cash withdrawal will be charged off first. From the remaining amount, the debt for the store purchase will be repaid. The debt for the cash withdrawal from the ATM will be repaid last.

Tip: There are transactions to which the interest-free lending period does not apply. If you want to minimize interest expenses, do not delay repaying the debt for such transactions.

List of transactions covered by the interest-free period.