Your Pay Over Time Limit can be found in "Balance Details" on your account home page. We will begin charging interest on cash advances on the transaction date. You must pay in full, by the Payment Due Date, all charges that are not added to a Pay Over Time, Cash Advance, or Plan balance. We will not charge interest on charges automatically added to your Pay Over Time balances if you pay the Account Total New Balance by the Payment Due Date each month. For charges added automatically to a Pay Over Time balance, we will charge interest beginning on the date of each charge. The APR you are assigned may differ from the APR you selected above. ‡ The amount of interest you are charged is subject to change.
The Minimum Payment Due includes all charges that were not added to a Pay Over Time and/or Cash Advance or Plan balance plus a portion of your Pay Over Time and/or Cash Advance balance, any interest accrued, and any Plan Payment Due. You must pay at least the Minimum Payment Due by the Payment Due Date each month. We may approve or decline a charge regardless of whether your card account balance exceeds or does not exceed your Pay Over Time Limit. When there is a delay in posting cash advances or plans to your Account, the total of your Pay Over Time, Cash Advance, and Plan balances may exceed your Pay Over Time Limit. Your Pay Over Time balance cannot exceed your Pay Over Time Limit. The Pay Over Time Limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances. ** We assign a Pay Over Time Limit to your Account.