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Do I have the option to have my Pay Now pulled from my bank account at the point of sale? (Accounts opened before April 6, 2026)

All purchases made using your Upgrade OneCard are booked against the personal credit line. This enables you to earn rewards on all purchases, regardless of when you pay them off. 

The benefit of using Pay Now to pay off purchases is that you won’t be charged any interest on those purchases, and, in the event any Pay Now payments fail, the purchases will be treated as Pay Later and repayable in monthly installments at a fixed rate.

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