What is EarlyPay?

EarlyPay is a repayment option offered with certain Upgrade Cards. With EarlyPay, if you pay off your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest accrual on any new transactions until the next EarlyPay payment date.

• For example, if your statement closing date is January 3, you make your EarlyPay payment on January 5, you will not pay any interest on new transactions until at least February 5, when your next EarlyPay payment will be due. If you previously missed your EarlyPay payment, note that interest will continue to accrue on transactions between January 3 and January 5.

Or, if you choose not to use EarlyPay, you can make your required monthly payment on your monthly payment due date, which is 22 days after your statement closing date. Interest will accrue daily from the date of your transaction. You can pay off your balance at any time to eliminate further interest charges.