The Auto Pay Program allows you to always make your monthly payments on time. It was created to help you ensure that you don’t need to pay a late fee. So, in the event that your account has a balance 30 days after making an order, there will be an automatic charge of the greater of 10% of the outstanding balance or $25 from the payment method on file.

Yes, this credit card has a minimum monthly payment. However, it works a bit differently from other regular cards. So, if you carry a balance on your card, the minimum monthly payment will be calculated according to your balance due. This way, you’ll need to make a payment of 10% of the late balance or $25, whichever is greater at that moment.

Unfortunately, your Accepted Merchandise Credit Account credit card does have an expiration date. You’ll be able to use the Distinct Card Services Shopping card for 12 months (counting from the date the card was issued). However, they can cancel your card if you don’t make your payments correctly or if you request to cancel it. But before the 12 months, you’ll be able to consider other options.