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How does Pay Over Time Work?
Pay Over Time is easy to use. When activated or On, just make purchases like you normally do and eligible charges will be automatically added to your Pay Over Time balance, up to your Pay Over Time Limit. Then, you can choose whether you want to pay your balance in full or carry a balance with interest.
You won't be charged interest on purchases added to your Pay Over Time balance when you pay your Account Total New Balance (or your Adjusted Balance, if you have a Consumer Card with any active plans) each month by the Payment Due Date.