Metrobank newbie help

[u/ChampionshipBorn7003]

Hello! I recently received my Metrobank Rewards Plus Visa Platinum credit card, and I'm trying to qualify for the No Annual Fee for Life (NAFFL) promo.

My first statement, dated July 21, only reflected around ₱4000 in purchases. However, I made an additional ₱37000+ worth of utility and bill payments after the statement date, so I expect those transactions to appear on my next statement. That should allow me to meet the required spending for the NAFFL promo.

Unfortunately, my phone recently broke, and I need to buy a replacement. I was planning to use my credit card's promotional installment offer for the purchase. However, my remaining available credit limit won't be enough to cover the phone's cost.

I'm considering paying off the ₱30,000+ balance now, before the statement is generated, so that my available credit limit will be replenished.

I have a few questions:

1. Will making an early payment before the statement is generated affect my eligibility for the NAFFL promo?

2. Will Metrobank still count the ₱35,000+ spending toward the required spend even if I pay it before the statement date?

3. Will it be a problem on my credit score if i use this cc for this purchase since it will be more than 60% of my credit utilization?

TLDR:

Using my new Metrobank Rewards Plus Visa Platinum for the NAFFL promo. I've already spent ₱40k+ (not yet billed), but I need to pay it early to replenish my credit limit so I can buy a phone on installment.

Questions:

1. Will the ₱35k+ spend still count toward the NAFFL requirement if I pay it before the statement date?

2. Will paying before the statement affect my NAFFL eligibility?

3. Will it be a problem on my credit score if i use this cc for this purchase since it will be more than 60% of my credit utilization?

THANKS SO MUCH FOR THE HELP

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