Managing your Instant Credit
You have full control over how and when you pay back your credit. Whether you’re making a daily purchase or managing a specific loan, you choose the method that works best for you.
How to make a payment
- Open the Instant Credit section.
- Tap the Payments tab.
- Tap Repay at the top, or select a specific payment from the "Upcoming" list.
To view past credit payments, scroll to the Activity widget at the bottom of the page, or tap View All to see the full payment history.
Timing your payments
You must complete payments by the designated due date to avoid penalty fees. Missing the payment due date results in a late fee.
Important: US Bank waiting period (pending funds)
- US bank account (ACH) deposits take a few days to clear.
- You cannot use pending bank funds to pay off your credit.
- If only some of your money is pending, you can still use any other available funds in your wallet.
- You can add more funds using a different method to complete your payment instantly.
Choose your payment plan
- Open the Instant Credit tile.
- Tap the Credit card tab.
- Tap Change next to the card payment plan widget.
- Select a payment timeframe on the "Choose your payment plan" screen, which provides options ranging from paying in full up to paying in 8 installments.
Updating the payment plan sets it as the default for every future purchase. You can update the payment plan again at any time.
How to Defer a payment
If you aren't ready to pay, you can defer your first upcoming payment to a later date.
- Tap Defer.
- Choose a new date for the credit payment.
- Tap Continue.
- Review the new payment amount and interest rate.
- Tap Confirm Defer to finish the deferral process.