Installment Payments

The Installment Payments program lets you pay off eligible purchases over a set period of time with a fixed APR and fixed monthly payments.

You can create a plan by navigating your account activity and selecting an eligible purchase.

Purchases that are over $100 and display in the Installment Payments tab are eligible.

Purchases that already appear on your monthly statement, are disputed or claimed as fraudulent, and/or are already included in a promotional APR or special financing may not be eligible.

You may have up to 10 active plans on your account at a time. As Installment Payment Plans are paid off, you will be able to view new eligible purchases.

Installment Payment Plan durations and terms vary based on the purchase amount and other factors, including credit worthiness. You’ll see up to 3 different duration options on eligible purchases.

There’s no need to make any separate payments for your active Installment Payment Plans. We’ll automatically add the monthly Installment Payment Plan payment(s) to your minimum payment due each billing cycle. Pay at least your minimum payment when it’s due each billing cycle, and you’ll pay off your Installment Payment Plan balance on time.

There is no penalty for paying off your Installment Plan Balance early. If a payment is made in the amount of the New Balance indicated on your statement that would include the entire Installment Plan Balance. Any payment made in excess of the minimum payment due will be applied to the highest interest rate balance first.

If you normally pay off your credit card balance in full and do not revolve a balance, you can accept an Installment Payment Plan offer and avoid paying interest on the remaining balance on your credit card. Making a payment in the amount of the Interest Avoidance Balance, displayed on your monthly statement, will pay off your new purchases and include your monthly Installment Payment Plan payment. This will allow you to avoid interest charges on your new (non-Installment) purchases and make your monthly payment towards your Installment Payment Plan without paying the entire Installment Plan Balance off early. Please note that you cannot avoid interest in installment plan purchases once they begin accruing interest. Once the installment’s principal balance is paid in full, residual or trailing interest may be billed on the next statement similar to cash advances.

Your account balance will update within two business days.

If you’d like to have an extra payment applied specifically to your Installment Payment Plan, please call 713-864-0959 for assistance.

Installment Payment Plans cannot be changed or modified once they are accepted.

Setting up an Installment Payment Plan will not increase your available credit.

Your Installment Payment Plan will remain active even if you miss a payment. We’ll add your past-due Installment Payment Plan monthly payment to your minimum payment due on the next month’s statement. Keep in mind, missing a payment may prevent you from paying off your plan within the time period you chose and cause your credit card account to be considered delinquent. You may also be charged a late fee. Please review your credit card terms and conditions for information about late fees. If you are having trouble making your payments or need assistance in accessing your credit card terms and conditions, please call 713-864-0959.

If you return a purchase that’s in an Installment Payment Plan and receive merchant credit for that purchase, you’ll need to call us at 713-864-0959 to have the credit applied to your Installment Payment Plan balance.