The bank's internal record replaced a higher statement balance, but PHP98,527.40 remained due

A credit-card holder and the issuing bank entered court with different starting figures. One statement showed PHP278,649.87. The bank's own internal record showed PHP223,749.48, while its account specialist rounded that figure to PHP223,000 in testimony. The cardholder argued that his remaining balance should be only PHP11,900 after payments. ## Which record became the starting point The lower courts did not agree on one calculation. The Metropolitan Trial Court and Regional Trial Court used the bank's internal record. The Court of Appeals instead used the higher statement figure and arrived at PHP63,074.89. The Supreme Court returned to the bank's internal record. It said the document itself controlled over the rounded testimony and that the bank had effectively treated PHP223,749.48 as the accurate starting point. The Court then recalculated the account, including purchases, recorded payments and interest. It also explained that payments on an interest-bearing debt are not automatically applied only to principal while interest remains unpaid. ## Where the case ended The final judgment ordered PHP98,527.40, with the historical interest treatment stated in the decision, plus attorney's fees equal to 10% of the monetary award. The case record ends with the PHP98,527.40 award and the stated attorney's fees; it does not record a later payment or account adjustment.