When it hasn't hit my statement can I still pay it off?

Ben8282

Abbey1991 wrote: »

With the likes of FX-free transactions, Avios to be earned, and cashback offers sometimes it is too tempting to use a card that has a long-term promotional balance!

Very true. Just ensure that the interest does not exceed the value of the saving and if possible time purchase and payment to minimise interest.
This is fine for those who know what they are doing. The problem is that there are so many people who don't know what they are doing many of them will get it very wrong.

molerat

Ben8282 wrote: »

You are quite correct in your order.
It is NOT POSSIBLE to repay an unstatemented transaction until the balance of the previous statement has been PAID IN FULL at which point payments will be allocated to unstatemented transactions in the usual order.

I am afraid you are incorrect in your assertion there. MBNA, for one, will allocate to higher interest items even if not on the statement.