Card ExtendPay plans provide a payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest – just a fixed monthly fee.

No. A Card ExtendPay plan doesn’t increase your card’s available credit. It gives you a payment option to help make budgeting easier.

If your credit card account is eligible for a Card ExtendPay plan, you’ll receive a notification via email, or you’ll see Card ExtendPay plan options when viewing your card account details or eligible transactions online. The only purchases eligible for a Card ExtendPay plan are those that were made within 60 days prior to signing up for card ExtendPay, are over $100, and are less than your purchase balance when you sign up for Card ExtendPay.

Card ExtendPay plan eligibility may change based on your credit card account activity.

If your business card account is eligible for a Card ExtendPay plan, you’ll receive an email notification, or you’ll see Card ExtendPay plan options in your account online. Only your company’s Authorized Officers (AO) can enroll in a Card ExtendPay plan. If your company’s card program is set up with central billing, Card ExtendPay-eligible transactions can be selected by the AO when viewing the central billing account (which includes transactions made on employee cards). For companies with individual billing, the AO can only select transactions they made on their own card account

Eligible cardmembers can start their card ExtendPay plan enrollment in a few different ways:

• Using the link in their Card ExtendPay plan invitation email
• By going to their card account details online
• Within the transaction details of their eligible purchases

From here, you’ll choose which purchases to bundle and the length of your Card ExtendPay plan. Confirm your details, agree to the terms and you’re set! We’ll reach out via email once your enrollment’s been confirmed.

Additional information about Card ExtendPay plans, including your eligible purchases and maximum plan amount, will be provided at the time of enrollment.

After creating a Card ExtendPay plan, it can take 24 to 48 hours for it to appear in your account.

Yes. Your eligible purchases will still earn any rewards your credit card would otherwise offer.

You can have as many Card ExtendPay plans open as you want - up to 50% of your credit line - as long as your account meets the necessary requirements.

Card ExtendPay Fees are fixed fees you will pay each month when you have an outstanding balance in a Card ExtendPay plan. Card ExtendPay fees are calculated based upon the plan’s original principal amount, your credit card’s Purchase APR and other factors. They’re calculated and shown to you at the time of enrollment.

You can choose from a range of repayment options depending on the total amount of your Card ExtendPay plan:

• 3-month option for Card ExtendPay plan from $100 to $1,999.99
• 6-month option for Card ExtendPay plan from $100 to $4,999.99
• 12-month option for Card ExtendPay plan from $100 up to 50% of credit line
• 18-month option for Card ExtendPay plan from $2,000 up to 50% of credit line
• 24-month option for Card ExtendPay plan from $5,000 up to 50% of credit line

No. Once your Card ExtendPay plan has been confirmed, it will remain active until the balance is paid in full. Plan lengths are final and can’t be changed. However, there are no penalties for early payoff.

You may pay off your Card ExtendPay plan balance early by paying your credit card balance in full. That includes any account activity since the previous statement – even pending transactions. To successfully pay your full balance, wait for any pending transactions to post to your account before making your payment.

Once you’ve paid your Card ExtendPay plan balance in full, your Card ExtendPay plan is completed, and no further card ExtendPay fees will be charged.

Your Card ExtendPay plan will cause your monthly Minimum Payment to increase. Until the Card ExtendPay plan is paid in full, your monthly Minimum Payment calculation will include your regular monthly payment amount (based on non-Card ExtendPay plan balances) plus the monthly Card ExtendPay plan principal and monthly Card ExtendPay fee. See the “Minimum Payment” section of your Cardmember Agreement for more information.

Your payments are included in your credit card’s minimum monthly payment. If you set up multiple new Card ExtendPay plans, they will all be included in your total minimum monthly payment. Another option would be to pay your Plan Adjusted Balance, which is the amount you need to pay on your account each month to avoid any interest charges on new purchases during that statement period. It includes your monthly Card ExtendPay payment due plus the non- Card ExtendPay portion of your remaining statement balance. You can manage your payments from your account dashboard.

If you have a Card ExtendPay balance, the “Plan Adjusted Balance” is the amount you must pay on your Account each month to avoid paying interest on new purchases. It includes your monthly Card ExtendPay payment due plus the non-Card ExtendPay portion of your remaining statement balance. Check your Cardmember Agreement for full details.

Yes. If you pay your previous statement balance, or Plan Adjusted Balance, in full by your payment due date each month, you have a 24- to 30-day interest-free period for new purchases. See your Cardmember Agreement for more information.

Any late or missed payments are subject to late fees and may result in account closure. Any unpaid balance remaining on your Card ExtendPay plan after the chosen pay-back period becomes subject to the APR and minimum payment calculation for purchases outlined in your Cardmember Agreement.

If a purchase you’ve selected for a Card ExtendPay plan is refunded by the merchant, the returned amount will be credited to your current credit card account balance. Since the refund won’t specifically be applied to the Card ExtendPay plan, your Card ExtendPay balance and monthly minimum payment will not change unless your current balance is paid in full, including any activity on your credit card account since the previous statement.

You can dispute purchases that are in a Card ExtendPay plan the same way you dispute other credit card transactions. When you dispute or claim fraud on a purchase that’s in a Card ExtendPay plan, your Card ExtendPay plan will be reduced by the disputed amount, and all fees paid to date for the disputed transaction will be credited to your Card ExtendPay plan. Any prior payments made to your Card ExtendPay plan for the disputed transaction will be credited to your revolving balance. Your next statement will reflect your adjusted fixed payment amount.

If the disputed transaction rebills for any reason, it will be set up in a new Card ExtendPay plan with the original term length and billed the same monthly fee for the transaction.