u/EuphoricCapybara

i recognize that this may be a bit of dumb question, but i recently set up a payment plan for a purchase for the first time, and i’m having trouble understanding how it’s processed with the way it’s showing up on my “activity” tab in my banking app (TD).

i made the purchase on june 24th for $260, which is obviously showing up there. on june 26th, i set up the payment plan, and this is where it gets confusing, because it’s showing up with ANOTHER charge for $260, and then a credit for that same amount (plus the payment plan fee of course).

i would’ve thought that the initial $260 would be credited, not that it would be charged AGAIN before the credit, essentially doing nothing for it to be taken off my balance?

also, for reference, my statement will come out on the 6th, so the period isn’t over yet. am i reading it wrong? should there be another credit to cancel out my original payment?

i’m about to enter my first year, and one of the first-year courses for my major only has morning slots for fall, and only one shows up for the current spring term, which is also in the morning.

i can’t make morning classes work like at all. do these tend to change? as in, how likely is it that next spring/fall it will be in an afternoon or evening, or even online asynchronous?