Good morning, @WitchHunter.
We understand your concern. To avoid cash finance charges,the credit balance needs to be paid in full.
While still owing, there will always be a cash finance charge.
You can make extra payments through electronic funds transfer (EFT), online banking, or at your bank's branch. These payments won't incur cash finance charges. If you have any further questions or need assistance.
Please don't hesitate to reach out, we're here to help!
Regards,
Standard Bank Team