Pay Over Time - Frequently Asked Questions

When you activate Pay Over Time, we’ll automatically add eligible charges to your Pay Over Time balance. Activating Pay Over Time gives you the option to pay eligible charges over time, with interest. If you pay your Account Total New Balance in full by the Payment Due Date each month, you will not be charged interest on these charges. However, if at the time you activate Pay Over Time, you’re already carrying a Pay Over Time balance from your last billing period, you’ll be charged interest on new eligible charges starting from the transaction date.

You can manage your Pay Over Time setting by visiting Account Services in your online account. If your feature is suspended, eligible charges will not be automatically added to your Pay Over Time balance regardless of setting.

With Pay Over Time, you have the option to pay eligible charges over time with interest. You can choose to pay your Account Total New Balance in full each month, the Minimum Payment Due, or any amount in between.

Your Pay Over Time Limit can be found in "Balance Details" on your account home page. The Pay Over Time Limit is the total amount that you can carry as a balance with interest or move into a Plan with a fixed monthly fee. This limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances. This is not a spending limit. Your Pay Over Time balance cannot 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.

While you may be able to spend beyond your Pay Over Time Limit, keep in mind charges that are not added to a Pay Over Time, Cash Advance, or Plan balance must be paid in full by your Payment Due Date. In the event that a charge would cause your Pay Over Time balance to exceed your Pay Over Time Limit, that charge will not be added to your Pay Over Time balance. For example, if you have a $1,000 Pay Over Time available limit and you make a $1,500 purchase on your Card, that purchase will not be added to your Pay Over Time balance. Instead, it will be due in full on your Payment Due Date.

If you have previously been notified that you have a spending limit and it is less than your Pay Over Time Limit, you may not be able to use all of your Pay Over Time Limit.

If you have questions on Pay Over Time Select, please call the number on the back of your Card for assistance.

Pay Over Time is the new name for Pay Over Time Direct. When set to Active, just make purchases like you normally do and eligible charges will be automatically added to your Pay Over Time balance.