You may click "View Account Agreements" on the homepage for generic agreements, or after logging into your account you may request your specific agreement by clicking "View/Request Account Agreements." Just click "Information Central" under the "Customer Center" on the left side of any page (you’ll need to be logged-in to your account). Under "Manage Communications" click the link to "View/Request Account Agreement," verify your address and submit your information. Once you complete and submit the form, we will mail your Account Agreement in 7 - 10 business days.
The payment cut off time for online payments is 5:00 p.m., Pacific Time. This means, if we receive your online payment prior to 5 p.m., Pacific Time, your payment will be credited to your account as of the calendar date it was received. If we receive your payment after 5 p.m., Pacific Time, your payment will be credited as of the next calendar date.
As soon as you get your monthly billing statement, check the Payment Due Date and monthly Minimum Payment Due. Make sure you pay at least the monthly minimum payment each month by your payment due date. If you mail your payment, please allow at least seven (7) business days for postal delivery. You can also make an online payment through this website or call us to make payment over the telephone.
Available credit is your credit limit minus your current balance and the amount available for use. Please keep in mind that your account's available credit may not reflect a payment for up to 14 days to allow us to verify funds.
In some cases, your monthly minimum payment amount will not be reduced. For example, if there was only a partial credit for a purchase transaction amount, it will not reduce your monthly minimum payment. This is because the monthly payment amount for that purchase transaction is fixed and will continue to be included in your monthly minimum payment calculation until that purchase transaction balance is zero. For more information on how your monthly minimum payment is calculated, please refer to your Account Agreement.