Line of Credit Rewards

Fee Saver

Skip-a-Pay

Fee Saver
When you make Qualifying Strings of Payments, Fee Saver rewards you by reducing the Statement Balance Fee you must pay each Billing Cycle. You may earn enough Fee Saver rewards over time to reduce your Statement Balance Fee by 33% to 60%, depending on the original fee schedule assigned to you at the time of application based on your creditworthiness.

For a full list of terms and definitions, visit the Line of Credit glossary page.

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See How Fee Saver Works

Alexis earns a Fee Saver reward by making a Qualifying String of Payments on her line of credit.
The Statement Balance Fee she must pay each Billing Cycle is reduced by 8% after her first six months of consecutive on-time payments.
Alexis keeps making consecutive on-time payments for another six months, increasing her Statement Balance Fee savings to 16%.
As she continues to make consecutive on-time payments, Alexis continues to accrue Fee Saver rewards.
After 48 months of consecutive on-time payments, Alexis is able to reach her maximum Fee Saver reward, reducing her Statement Balance Fee by 60%!

The percentage saved in the example above is based on a starting Statement Balance Fee of $10 owed per $100 borrowed. Your fees and percentage saved may be less depending on the fee schedule assigned to you at the time of application based on your creditworthiness.

FAQ

What is Fee Saver?

Fee Saver is an earned reward that reduces the Statement Balance Fee you must pay each Billing Cycle.

How do I earn a Fee Saver?

You can earn Fee Saver rewards over time as you make Qualifying Strings of Payments (12 consecutive Bi-weekly/Semi-monthly or six consecutive Monthly payments). That means you can begin saving after just six months, with an 8% to 13% Statement Balance Fee reduction!

After 12 months of on-time payments, your savings will increase again. As you continue to make on-time payments, you'll continue to increase your Fee Saver rewards, up to the maximum Fee Saver reward.

The percentage saved is based on the fee schedule assigned to you at the time of application based on your creditworthiness. For more information on how Fee Saver rewards build over time, visit the Rates & Terms.

How many Fee Saver rewards can I earn?

You can accrue three to eight Fee Saver rewards by making consecutive Qualifying Strings of Payments over time. This means you may be able to reduce your Statement Balance Fee by 33% to 60%, depending on the original fee schedule assigned to you at the time of application based on your creditworthiness.

How do I use a Fee Saver?

Fee Saver rewards are automatically applied to your account when you make a Qualifying String of Payments.

You can view your reduced Statement Balance Fee under “Fee Saver Status” within the “My Account” menu.

Skip-a-Pay
When you make Qualifying Strings of Payments, Skip-a-Pay lets you skip the Minimum Payment for a Billing Cycle. It’s just one way that NetCredit can offer you more financial flexibility and relief to help with unexpected expenses.

For a full list of terms and definitions, visit the Line of Credit glossary page.

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See How Skip-a-Pay Works

Jamie is using the Skip-a-Pay he accrued after making six consecutive Monthly Minimum Payments.
He calls the Customer Support Team and requests to use his Skip-a-Pay on the next Minimum Payment in his Billing Cycle, which is in June.
Jamie’s Minimum Payment scheduled for June is deferred.
This means that Jamie does not have to make a payment during June. He also doesn’t need to pay the Statement Balance Fee associated with that month's Minimum Payment.
The June payment that he "skipped" is deferred until July, and Jamie's regular Minimum Payments will resume for his next Billing Cycle.

FAQ

What is Skip-a-Pay?

Skip-a-Pay is an earned reward that lets you skip the Minimum Payment for a Billing Cycle.

How do I earn a Skip-a-Pay?

You must successfully make a Qualifying String of Payments to earn a Skip-a-Pay. If you're paying Monthly, you'll need to make at least six consecutive on-time Minimum Payments. If you're paying Bi-weekly, you'll need to make at least 12 consecutive on-time Minimum Payments.

The ending Cash Advance Balance, Statement Balance Fee and Minimum Payment from your skipped Minimum Payment will stay the same for your next scheduled Billing Cycle.

If you do make a payment or request a Cash Advance afterwards:

The ending Cash Advance Balance for your next regularly scheduled Minimum Payment will reflect that payment or Cash Advance. You'll see that your Statement Balance Fee and Minimum Payment in your next Billing Cycle will be different.

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