Hi everyone. I was looking to get a bit of background Info on how credit works. Basically I'm looking at getting a new tv on buy now pay later. I have 2 things outstanding on credit both a small amount. One which will be paid on 1st Feb (only £15) leaving outstanding credit on the other at about £100. I have a excellent credit score, have never defaulted or missed a payment and have always paid everything off within the allotted time to avoid the interest payments. Does credit go off outstanding balance or items and balance?