How will my payments be applied to my account?

When paying the minimum payment due, your payment will be applied in the following order:

1. Monthly Planned Payments

2. Billed interest

3. Billed fees

4. Outstanding balance

If you pay more than the minimum payment due, the excess will be applied to the balance with the highest interest rate, then the second highest interest rate and so on.

However, during the two billing cycles immediately preceding the expiration date of any No Interest If Paid In Full purchase, any excess payment will first be applied to the No Interest If Paid In Full balance.

You may at any time pay your full account balance without any additional charge for prepayment.

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