What happens if I miss a SmartPlan Repayment?
There are no fees if you miss a SmartPlan Repayment but interest will be charged on the unpaid amount (if applicable).
Any additional repayments you make will not be applied to the SmartPlan until your Main Account Balance is cleared first. At the end of the SmartPlan Term, any SmartPlan Remaining Balance will be transferred to your Main Account Balance, and accrue interest in accordance with Combined Conditions of Use and Credit Guide.
To avoid a late payment fee you’ll still need to pay at least the minimum payment due by the due date each month.
In order to maintain your interest free days (if applicable), you will need to pay your Monthly Payment Balance by the due date each month.