There are two different Pay Over Time settings, Direct and Select. You may have one or both of these settings available on your account. You can find your active setting here.
- When set to Select, you must manually select each eligible charge that you would like to request to add to your Pay Over Time balance.
- When set to Direct, eligible charges are automatically moved into your Pay Over Time balance.
Both settings allow you to choose how much to pay: pay your Account Total New Balance in full, or pay the Minimum Payment Due or anything in between, with interest.
For transactions added to a Pay Over Time balance at your request, we will begin charging interest as of the date they are added to your Pay Over Time balance. We will not charge interest on transactions added to your Pay Over Time balances automatically if you pay the Account Total New Balance by the due date each month. For transactions added automatically to a Pay Over Time balance, we will assess interest beginning on the date of each transaction.