The balance shown in your portal represents the amount outstanding on your account at the moment you view it. Here are the most common reasons it may not match your expectation.
Interest has accrued since your last statement
For Credicorp Flex, interest accrues daily on drawn balances. The outstanding balance in the portal reflects today's position including accrued interest not yet collected. Your last monthly statement, by contrast, shows the position at a point in time. The two figures will therefore often differ.
A payment has not yet cleared
If you made a payment or if a direct debit was collected recently, it may take one to two business days to show as cleared on your account. During this window, the portal may still show the pre-payment balance.
You have an outstanding returned payment
If a previous direct debit was returned by your bank (insufficient funds or similar), the amount due will remain outstanding and may appear in addition to your current scheduled amount. Check Payments → Transaction history for any returned items.
You made an early or partial repayment
If you made a one-off payment toward your balance, the outstanding figure will have reduced accordingly. Check the transaction history to confirm this was applied.
What to do if the balance still looks wrong
- Download your latest statement from Statements and compare the closing balance to what the portal shows today.
- Check Payments → Transaction history for any unusual or unexpected entries between the statement date and today.
- If you cannot reconcile the figures, use the General Support Enquiry form to ask us for a breakdown. Include the date and the figure you are questioning.
We will respond with a full account ledger showing every transaction and how the current balance was reached.
See also: My repayment schedule looks wrong, My statement shows charges I do not recognise, How to download your statements.