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You won't be able to apply for an instalment plan if you don't meet our criteria (e.g. if you have exceeded your limit or if you are in default). Instalment plans are not available on non-Awards Business Cards, corporate cards or balance transfers or Great Rate transactions.
The terms of the Credit Card Conditions of Use relating to instalment plans (section 5) will apply.
While you have an instalment plan, we apply your credit card payments first to your current monthly instalments. This will apply even when you have other card balances with a higher interest rate, such as cash advances and purchases not on a plan.
Any interest-free period on purchases will no longer apply once the purchase is put on a plan.
You can cancel your instalment plan at any time. When a cancellation is processed, the outstanding instalment balance will be transferred to your purchases balance (or cash advance balance for cancelled cash advance plans) and accrue interest from the transfer date at the standard purchase or cash interest rate applicable on your account.
If you miss a monthly payment your plan won’t be cancelled and you can continue to make any remaining monthly payments due up to the end of your chosen term. However, if you miss an instalment payment, the unpaid amount will be transferred to your purchases balance (or cash advances balance if the instalment plan was a cash advance plan). It will then accrue interest at the purchases (or cash advance) rate.
Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945.