Promotional financing events differ interest charges for a specific time frame and are offered for larger purchases. If a promotional balance is not paid in full by the end of the specified time frame, deferred interest will be charged for the amount of interest accrued throughout the plan period. Promotions cannot be extended. To avoid interest charges you must pay above the minimum payment due to pay off the balance before the promotion period ends.

Payments made in excess of the minimum due are applied in accordance with law going to higher APR balances first, unless you advise us to allocate your payments otherwise.

If you would like excess payments applied to your promotional balance, you must contact us by calling the phone number on the back of your card and specify that.

Excess payments made within the last two billing cycles of an expiring promotional period will be applied to the promotional balance first. If the Special Event promotion expires before the payment due date in the billing cycle, then the excess payment(s) will be applied to the promotional balance within the last three billing cycles of the promotional period.