Learn more about your credit card payment and fees

Learn more about your credit card payment and fees

Here are 2 things to remember:

Your credit card is a great tool that offers you financial flexibility. Manage your card better by paying the Total Amt due whenever possible to avoid interest or at least the Minimum amt due on time to avoid late charges.
Your payment will determine whether you get charged interest or late fees. Do your best to make advance payments days or weeks before your due date if you can.

Take advantage of your credit card privileges responsibly.

Credit cards can benefit you if used responsibly. You can enjoy discounts and privileges like welcome gifts, rebates and rewards points for all your retail purchases to maximize the benefits of up to 21 days interest-free.

However, you may find yourself in debt quickly if you do not take charge of your credit.

Your payment behavior can influence how much interest or late fees you are charged.

You should always aim to pay at least the Minimum Amount Due on time.

Here's how you can avoid interest and late fees on your retail transactions.
Payment Amount Payment Date Interest Charge Late Charge
Total Amount Due
(full payment)
On or before the Payment Due Date No No
After the Payment Due Date Yes Yes
At least the
Minimum Amount Due
On or before the Payment Due Date Yes No
After the Payment Due Date Yes Yes
Less than the
Minimum Amount Due
On or before the Payment Due Date Yes Yes
Note: The table above refers to retail transactions only, not cash advance transactions. To know more about Cash advance, click here.
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