Very confused. Account in credit, because no payments have been taken.

Hi,

I am confused by the statement. So my “monthly payments” are £96 and I have been paying this amount for a few months. When I look at my statement I can see this payment going in and I have about £482 credit built up. However this appears to be because I havent been charged yet. So I can see those payments going in but cant see anything going out. Am I missing something here? My estimated usage is £136 p/m so why hasn’t this been going out?

thanks