The Relay Visa® Credit Card requires all customers to pay back their balance, in full, at the end of each 30-day billing cycle. Relay will automatically pull the balance from the primary payment account, but if the payment cannot be made in full, you will enter a 5-day grace period.
During the grace period, you can pay the remaining balance without incurring late fees or penalties. If a payment is not made within the 5-day grace period, late fees and penalties will be applied to your credit account. Read on to learn more.
Important: The Relay Visa® Credit Card is available only to customers who successfully meet our eligibility check and fulfill the required criteria. For more information on eligibility, please see An Overview of the Relay Visa® Credit Card.
Late payment fee
A 3% late fee will be applied to unpaid balances. This fee will be charged monthly until your full payment is received.
Late fees will need to be paid at the end of your next billing cycle.
Penalties
Your Relay credit account will be locked if a payment is not made in full during the 5-day grace period. Purchases made using your credit cards will be declined while your account is locked. Once your balance has been paid, your account will be unlocked.
Please note that cashback will not be deposited into your account until your credit card balance is paid in full.
Will my credit score be impacted if I do not pay my credit card during the 5-day grace period?
No, your credit score will not be impacted.
What should I do if my account has not been unlocked after my balance has been paid?
If your account is not unlocked once your balance is paid, please contact our Customer Experience team to get you back up and running.
Can I make partial payments during/after the grace period?
No, payments must be made in full during and after the grace period.
How can I make a payment if I’m past the grace period?
You can make a payment by navigating to the Accounts tab, selecting your credit account, and clicking Make payment in the top-right corner.
How long will it take for my payment to process?
If you are paying your balance from a Relay checking account, your payment will settle automatically. If you pay from a linked external account, your payment can take up to 3 business days to settle.