Payment Application and Instructions. A payment made in accordance with our payment instructions and received by 5 pm PT on a Business Day will be credited to your Account as of the day we receive it. If we receive a payment after 5 pm PT on a Business Day or on a non-Business Day, we will credit it on the next Business Day. If you do not follow our payment instructions, we may not accept your payment, or there may be a delay in crediting your Account. We may process a late payment, partial payment, or a payment marked “payment in full” or with any other restrictive endorsement without losing any of our rights under this Agreement. Any settlement of your Account for less than what is owed requires a written agreement signed by you and us. Your Available Credit may be increased by the amount of your payment within a reasonable time after that payment is received, provided you have not exceeded your Credit Limit. We may delay the change to your Available Credit until we confirm that your payment has cleared. This may happen even if we credit your payment to your Account. We may reject and return any payment that creates or adds to a credit balance on your Account. We may without notice restrict the availability of any credit balance in our sole and absolute discretion, to the extent permitted by law. We may reduce the amount of any credit balance by the amount of any new charges. You may write to the address provided on your Statement or call the number on the back of your Card to request a refund of any available credit balance. We may allow you, from time to time, to skip one or more monthly payments, and we will notify you when this option is available. If you elect to skip a payment, finance charges will continue to accrue, and the requirement to make a Minimum Payment each month will resume following the skip payment period.
(1) to your annual fee (if any); (2) to any fees incurred or then due, except for late fees; (3) to finance charges and interest due; (4) to the portion of your balance that exceeds your Credit Limit; (5) to the outstanding balance on the Card that is currently due; (6) to late fees and; (7) to the remaining outstanding balance.
