Hello! I just need a little help figuring how much I'll get charged🥲

December 28, I got my statement and my bill was 25,397.53 and due January 17. On January 1, I paid 12,408.

I meant to pay the remaining on the due date. Thankfully I set aside the remaining amount (12,989.53) when I got my January 15 salary but I just forgot about it 😭

I just remembered now bc I was thinking about how my new statement date is tomorrow (28th of the month) and got me thinking if I have already paid the other half, which I forgot.

I paid the remaining today, January 27, so I was 10 days late.

Do I have a late payment fee? (I think not? Bc I already paid more than the minimum 850 before the due date.) How much will I get charged for the finance charge? 😭 For reference, I have a BPI Blue Mastercard.

I have always paid on time for the past 2 years of having this card, that's why this is new to me and I don't know what to do. I tried googling but the terminologies are so difficult to understand and I'm bad at math.

Edit: wording