Help, I can’t pay my balance! Can I set up a payment plan?

We understand that unexpected financial situations can arise, and we're here to support you during such times. If you find yourself unable to pay off your balance by the deadline specified in our terms and conditions, we offer the option to set up a payment plan, which will allow you to gradually pay off your balance over an agreed-upon period of time.

To avoid any negative impact on your credit report, it's important to reach out to us before your account becomes delinquent if you anticipate not being able to settle your balance by the end of the month. By setting up the payment plan before your account falls into delinquency and making timely payments as agreed upon, your account will continue to be reported as on-time to the credit bureaus.

It's also worth noting that setting up a payment plan and deferring your balance to a future month will result in the suspension of your Flex Line of Credit and your account may be reported as a late payment to the credit bureau which could have a negative impact on your credit history. To keep your account active and maintain access to your Line of Credit, it's necessary to settle all balances in full by the end of each month.

The availability of a payment plan may vary for different accounts, but we'll do our best to accommodate your needs.