PAYING YOUR ACCOUNT. You agree that you will pay each month, no less than the minimum monthly payment, on or before the scheduled monthly due date shown on your statement. You may pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We can accept late payments or partial payments, or checks, drafts, and money orders marked “paid in full,” without prejudice to our rights under this Agreement, which are hereby explicitly reserved.
PAYING YOUR ACCOUNT. 17. You agree that you will:
PAYING YOUR ACCOUNT. When you use your Account or when you authorize others to use it including an Authorized User, you will incur a debt that you owe to us. We will add interest and other fees and charges (as disclosed in the Disclosure Statement) to your debt and these amounts will form part of your debt. The Primary Cardholder is responsible for, and agrees to repay, all debt owing to us as required by this Agreement. Each month, you are required to pay at least the current Minimum Payment by the Payment Due Date, as disclosed on your Statement and any overlimit or past due amounts must be paid immediately when you receive your Statement. Failure to pay these amounts may impact your ability to use your Card and any promotional offers including optional financing programs you may have with us. We may require a different Minimum Payment and we will give prior notice if we do. A different Minimum Payment may apply based on the Borrower’s province or territory of residency in our records. If the Minimum Payment changes due to a residency change, that different Minimum Payment will apply after you notify us of that change. You must advise us of a change to your residency as described in the section “Notices/Change of Information Relating to You”. Review your Disclosure Statement and Statement for more details about the Minimum Payment. You can make payments by mail, online, mobile banking, by telephone, through an ABM or another financial institution, or any other way acceptable to us. Payments are not processed to the Account until we receive them. Depending on the method used, payments may take several days to reach us. Payments do not adjust your Available Credit until we receive and process them to your Account. You are responsible to make sure your Minimum Payment is received by us on time so that we have sufficient time to process it to your Account by the Payment Due Date. Any Past Due or Over-Limit Amount will be added to your Minimum Payment and must be paid as soon as you receive your Statement. You agree that you will not make payments on your Account using funds borrowed from Scotiabank or drawn on any other credit account. If a cheque or other payment does not clear for any reason, we will reverse the amount of the payment, back date it to the transaction date and we can charge you any fees that apply as described in the Disclosure Statement. If you want repayment from any other cardholder - or any other person - for any or all of the debt paid or owing on your Acco...
