Card Payment Plan

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NOTE: This is for the Card Program A only. If you are on Card Program B, you will not see the POT option. To learn more about card programs, review this help center article.

About Pay Over Time (POT)

NOTES:

• This is for the Card Program A only. If you are on Card Program B, you will not see the POT option. To learn more about card programs, review this help center article
• If no payments are made within a 90 day timeframe, you may be unenrolled from your POT plan

If you need more time to pay off your balance during the card program wind down, you can enroll in a Pay Over Time (POT) plan at no extra cost, as long as your account has a balance of at least $50 and no pending payments.

Your full balance will be split into equal payments to make it easier to pay off your balance and stay on track. The payment schedule will be based on your autopay schedule if you are already enrolled in autopay. If you are not yet enrolled in autopay, you will need to do so first, and then payments will be based on the new autopay schedule. You can learn more about AutoPay in this help center article.

The payment schedule will be based on your autopay schedule if you are already enrolled in autopay. If you are not yet enrolled in autopay, you will need to do so first, and then payments will be based on the new autopay schedule. You can learn more about AutoPay in this help center article.

Please note that the final payment amount may change if there are any pending transactions at the time that the POT plan is set up that post during the POT plan.

How to Enroll in Pay Over Time

NOTE: This is for the Card Program A only. If you are on Card Program B, you will not see the POT option. To learn more about card programs, review this help center article.

You can enroll in the app by navigating to the Card Dashboard and tapping the Switch to Pay Over Time button, located below the Upcoming Payments section. You will then enroll in autopay (if you're not already enrolled), review the payment plan details and schedule, and agree to the plan.

If you need assistance with this process, you can reach out to us through the Contact Us form in the app and we can enable AutoPay and activate the POT plan for you.

How to Make Additional POT Payments

NOTE: This is for the Card Program A only. If you are on Card Program B, you will not see the POT option. To learn more about card programs, review this help center article.

When enrolled in a POT plan, your payments will be scheduled based on your autopay schedule and automatically initiated one day in advance of the scheduled payment date.

If you want to catch up on a missed payment, make an additional payment, or pay off your POT balance, you can follow the steps below:

1. Tap the Make a Payment button underneath the upcoming payment bubbles
2. Choose which payment amount you would like to make from the options
3. Tap Continue to Payment Review
4. Update your payment method if needed
5. Review any messaging below your payment details
6. Tap Pay Now to submit your payment

Your payment will begin processing after tapping Pay Now. The payment date will be automatically selected for the soonest we can begin processing the payment.

If you run into any issues or have questions, please reach out to our customer support team by calling the number on the back of your card or using the Contact Us form in the app.