When are a consumer's payments due?

The consumer must pay at least the total minimum payment due on their account by 5 p.m. (CST) on the due date of each billing cycle. Payments received after 5 p.m. (CST) may be credited as of the next business day. They may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. If they have a balance subject to interest, earlier payment may reduce the amount of interest they will pay. We may delay making credit available on their account in the amount of their payment even though we will credit their payment when we receive it.