Breathing Room Terms & Conditions
Breathing room is designed to give you temporary payment and fee relief while helping you keep your account in good standing.
Breathing Room Eligibility Requirements
To enroll, your account must be:
- Current at the time of enrollment.
- Have been open for at least 120 days.
- Not have activated Breathing Room within the past 24 months.
- Not be enrolled in another hardship, workout or re-age program or have a pending settlement agreement.
BREATHING ROOM FEATURES:
Lower Monthly Minimum Payment
- Your minimum payment is reduced to $20 (or your closing balance, whichever is less) for three billing cycles, starting with your current billing cycle and current minimum payment due.
- Your payment due date does not change. You still have to make your payment by your payment due date, including your current payment date.
Lower Annual Percentage Rates (APRs)
- Your Purchase and Cash Advance APRs are reduced to 5.99% for three billing cycles, starting with the billing cycle in which your account is enrolled.
Waived Fees
- Late fees are waived for three billing cycles, starting with the billing cycle in which you activated.
- Overlimit fees are waived for three billing cycles if your account is enrolled in Overlimit Coverage, starting with the billing cycle in which you activated.
After Breathing Room Ends
After the three billing cycles are complete, your Monthly Minimum Payment, APRs, and applicable fees will return to the standard terms of your Cardholder Agreement.
Important Things to Remember:
- You must continue to make your minimum payment by the payment due date each month to keep your account in good standing.
- If your account is enrolled in AutoPay and your AutoPay is set to pay an amount that is different from your minimum payment each month, you will need to update your AutoPay settings if you only want $20 to be withdrawn. To manage your AutoPay settings, go to the payments section of our account management website or mobile app.
- Once you enroll, you cannot cancel. Your activation uses your eligibility, and your account will not be eligible again for 24 months.
Effective Date
March 18th, 2026