Life is full of big moments – and surprises. Whether you’re tackling car repairs, renovating your home office, or just looking for extra payment flexibility, Pay Over Time can help you manage what comes next.
Estimate potential interest charges. This is an illustrative tool only.
Select the applicable APR†
† APR is assigned based on your creditworthiness and other factors determined at the time of account opening. This calculator only provides an illustrative example of the interest that may be charged on a Pay Over Time balance for the amount entered.
Estimated interest due for revolving an average daily balance of $0 for 0 days‡
** We assign a Pay Over Time Limit to your Account. The Pay Over Time Limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances. 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. We may approve or decline a charge regardless of whether your card account balance exceeds or does not exceed your Pay Over Time Limit. This is not a spending limit. You must pay at least the Minimum Payment Due by the Payment Due Date each month. 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.
‡ The amount of interest you are charged is subject to change. The APR you are assigned may differ from the APR you selected above. For charges added automatically to a Pay Over Time balance, we will charge interest beginning on the date of each charge. 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. 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 begin charging interest on cash advances on the transaction date.