{"component": "clause", "props": {"groups": [{"snippet_links": [{"key": "your-minimum-payment", "type": "clause", "offset": [0, 20]}, {"key": "your-statement", "type": "clause", "offset": [38, 52]}, {"key": "lesser-of", "type": "definition", "offset": [68, 77]}, {"key": "new-balance", "type": "clause", "offset": [100, 111]}, {"key": "sum-of", "type": "clause", "offset": [181, 187]}, {"key": "finance-charges", "type": "definition", "offset": [188, 203]}, {"key": "billing-cycle", "type": "definition", "offset": [227, 240]}, {"key": "interest-charges", "type": "clause", "offset": [252, 268]}, {"key": "transaction-fees", "type": "definition", "offset": [273, 289]}, {"key": "penalty-fees", "type": "definition", "offset": [301, 313]}, {"key": "annual-fees", "type": "clause", "offset": [315, 326]}, {"key": "if-applicable", "type": "clause", "offset": [328, 341]}, {"key": "to-your-account", "type": "clause", "offset": [384, 399]}, {"key": "amount-of-interest", "type": "definition", "offset": [486, 504]}, {"key": "to-repay", "type": "clause", "offset": [535, 543]}, {"key": "your-balance", "type": "clause", "offset": [544, 556]}], "samples": [{"hash": "8PTPOKVqtH8", "uri": "/contracts/8PTPOKVqtH8#minimum-payment-due", "label": "Consumer Credit Card Cardholder Agreement", "score": 36.0592765808, "published": true}, {"hash": "vBVsQIfY6V", "uri": "/contracts/vBVsQIfY6V#minimum-payment-due", "label": "Consumer Credit Card Cardholder Agreement", "score": 35.7247428894, "published": true}, {"hash": "4CCoPoCg5p2", "uri": "/contracts/4CCoPoCg5p2#minimum-payment-due", "label": "Consumer Credit Card Cardholder Agreement", "score": 34.1187210083, "published": true}], "size": 18, "snippet": "Your Minimum Payment Due is listed on your Statement and equals the lesser of: \u2022 the amount of your New Balance, or \u2022 the greater of: \u2022 $30, or \u2022 3% of the amount you owe, or \u2022 the sum of Finance Charges accrued since the last Billing Cycle (including Interest Charges and Transaction Fees), plus any Penalty Fees, Annual Fees (if applicable), and one-time fees that have been posted to your Account, plus 1% of the amount you owe. Making only the Minimum Payment Due will increase the amount of interest you pay and the time it takes to repay your balance.", "hash": "13958632dda612fac420f14a537912c4", "id": 1}, {"snippet_links": [{"key": "you-agree-to-pay-us", "type": "clause", "offset": [0, 19]}, {"key": "your-statement", "type": "clause", "offset": [67, 81]}, {"key": "at-any-time", "type": "clause", "offset": [146, 157]}, {"key": "your-minimum-payment", "type": "clause", "offset": [193, 213]}, {"key": "equal-to", "type": "definition", "offset": [221, 229]}, {"key": "payment-plus", "type": "definition", "offset": [243, 255]}, {"key": "terms-for", "type": "definition", "offset": [278, 287]}, {"key": "promotional-credit-plans", "type": "clause", "offset": [292, 316]}, {"key": "cancellation-fees", "type": "clause", "offset": [361, 378]}, {"key": "credit-insurance-premiums", "type": "clause", "offset": [382, 407]}, {"key": "reduced-rate", "type": "definition", "offset": [428, 440]}, {"key": "delinquent-amounts", "type": "definition", "offset": [487, 505]}, {"key": "new-balance", "type": "clause", "offset": [572, 583]}, {"key": "interest-charges", "type": "clause", "offset": [671, 687]}, {"key": "fees-assessed", "type": "definition", "offset": [702, 715]}, {"key": "rounded-to", "type": "clause", "offset": [732, 742]}, {"key": "monthly-billing-statement", "type": "definition", "offset": [773, 798]}, {"key": "requirements-for", "type": "clause", "offset": [812, 828]}, {"key": "making-payments", "type": "clause", "offset": [846, 861]}, {"key": "receipt-of-payments", "type": "clause", "offset": [893, 912]}, {"key": "your-payments", "type": "clause", "offset": [944, 957]}], "samples": [{"hash": "cIv9dbFYASy", "uri": "/contracts/cIv9dbFYASy#minimum-payment-due", "label": "Credit Card Agreement", "score": 23.7583847046, "published": true}, {"hash": "x1bwO4pT61", "uri": "/contracts/x1bwO4pT61#minimum-payment-due", "label": "Credit Card Agreement", "score": 23.754278183, "published": true}, {"hash": "lCvqkguP4MT", "uri": "/contracts/lCvqkguP4MT#minimum-payment-due", "label": "Credit Card Agreement", "score": 23.754278183, "published": true}], "size": 15, "snippet": "You agree to pay us at least the Minimum Payment Due, reflected on your statement. If you wish, you may pay more than the Minimum Payment Due and at any time you may pay the entire amount due. Your Minimum Payment due is equal to your Minimum Payment plus the Special Repayment Terms for any Promotional Credit Plans with a special repayment term plus any debt cancellation fees or credit insurance premiums attributable to any Reduced Rate/Special Repayment Terms Credit plans plus any delinquent amounts. The Minimum Payment is the greater of a.) $25 or b.) 1% of your \u201cNew Balance\u201d (which does not include balances on Special Repayment Terms Credit Plans) plus billed Interest Charges plus any Late Fees assessed for that month, rounded to the next highest dollar. Your monthly billing statement will include requirements for you to follow in making payments including the cut-off hour for receipt of payments, which may affect crediting of your payments.", "hash": "1a62d894a1c37896f7e194a059151719", "id": 2}, {"snippet_links": [{"key": "pay-off", "type": "clause", "offset": [8, 15]}, {"key": "your-account-balance", "type": "clause", "offset": [16, 36]}, {"key": "monthly-installments", "type": "definition", "offset": [74, 94]}, {"key": "your-balance", "type": "clause", "offset": [114, 126]}, {"key": "to-pay", "type": "clause", "offset": [146, 152]}, {"key": "payment-of", "type": "definition", "offset": [172, 182]}, {"key": "new-balance", "type": "clause", "offset": [194, 205]}, {"key": "rounded-to", "type": "clause", "offset": [207, 217]}, {"key": "at-the-end-of", "type": "clause", "offset": [276, 289]}, {"key": "statement-period", "type": "definition", "offset": [295, 311]}, {"key": "periodic-statement", "type": "clause", "offset": [346, 364]}, {"key": "the-credit-union", "type": "definition", "offset": [421, 437]}, {"key": "other-action", "type": "definition", "offset": [444, 456]}, {"key": "default-under-this-agreement", "type": "clause", "offset": [474, 502]}, {"key": "past-due", "type": "definition", "offset": [565, 573]}, {"key": "your-credit-limit", "type": "clause", "offset": [623, 640]}, {"key": "fees-assessed", "type": "definition", "offset": [646, 659]}, {"key": "finance-charges", "type": "definition", "offset": [668, 683]}, {"key": "payments-and-credits", "type": "clause", "offset": [693, 713]}, {"key": "late-charges", "type": "clause", "offset": [778, 790]}, {"key": "other-fees-or-charges", "type": "clause", "offset": [796, 817]}, {"key": "cash-advances", "type": "definition", "offset": [858, 871]}, {"key": "purchase-balance", "type": "definition", "offset": [883, 899]}, {"key": "you-must-pay", "type": "clause", "offset": [931, 943]}, {"key": "at-any-time", "type": "clause", "offset": [1023, 1034]}, {"key": "payment-due-date", "type": "definition", "offset": [1146, 1162]}], "samples": [{"hash": "dIEyOpMRHvy", "uri": "/contracts/dIEyOpMRHvy#minimum-payment-due", "label": "Credit Card Agreement", "score": 27.2464065552, "published": true}, {"hash": "jEh5qUZIQ95", "uri": "/contracts/jEh5qUZIQ95#minimum-payment-due", "label": "Credit Card Agreement", "score": 26.8494186401, "published": true}, {"hash": "7rnVHQKLRZG", "uri": "/contracts/7rnVHQKLRZG#minimum-payment-due", "label": "Credit Card Agreement", "score": 24.861738205, "published": true}], "size": 11, "snippet": "You can pay off your account balance in full each month or you can pay in monthly installments. If you do not pay your balance in full, you agree to pay at least a minimum payment of 1% of your New Balance (rounded to the nearest whole dollar) or $15.00, whichever is greater at the end of each statement period. If the New Balance shown on your periodic statement is $15.00 or less, you agree to pay this amount. Unless the Credit Union takes other action as a result of a default under this Agreement, the Minimum Payment Due will also include any amount that is past due and any amount by which your new balance exceeds your credit limit, any fees assessed and any finance charges accrued. Payments and credits will be applied first to pay billed but unpaid finance charges; late charges, and other fees or charges provided for herein; and next to unpaid cash advances and unpaid purchase balance starting with the highest APR. You must pay at least the minimum payment each month, but you may pay more than that amount at any time without a penalty. The sooner you pay your new balance, the less you will have to pay in finance charges. The \"Payment Due Date\" will be shown on your periodic statement.", "hash": "3fb0a6d9e40c0e24c8eee8a47ffe6f12", "id": 3}, {"snippet_links": [{"key": "your-account-balance", "type": "clause", "offset": [29, 49]}, {"key": "at-any-time", "type": "clause", "offset": [50, 61]}, {"key": "you-must-pay", "type": "clause", "offset": [63, 75]}, {"key": "the-payment", "type": "clause", "offset": [112, 123]}, {"key": "billing-period", "type": "definition", "offset": [138, 152]}, {"key": "your-payment-due-date", "type": "clause", "offset": [160, 181]}, {"key": "day-of", "type": "clause", "offset": [204, 210]}, {"key": "change-to", "type": "clause", "offset": [252, 261]}, {"key": "monthly-due-date", "type": "definition", "offset": [267, 283]}], "samples": [{"hash": "36NHgHKoJNy", "uri": "/contracts/36NHgHKoJNy#minimum-payment-due", "label": "Cardmember Agreement", "score": 25.4846000671, "published": true}, {"hash": "1wKYLk1hgJ", "uri": "/contracts/1wKYLk1hgJ#minimum-payment-due", "label": "Cardmember Agreement", "score": 25.4846000671, "published": true}, {"hash": "eR8V2NdxZyq", "uri": "/contracts/eR8V2NdxZyq#minimum-payment-due", "label": "Cardmember Agreement", "score": 25.3668727875, "published": true}], "size": 10, "snippet": "You may pay all or a part of your Account balance at any time. You must pay at least the Minimum Payment Due by the payment due date each Billing Period. Note: Your payment due date is typically the same day of the month every month. You may request a change to your monthly due date. How is the Minimum Payment Due calculated?", "hash": "c927bb78fa9ef9107479dd93dda88602", "id": 4}, {"snippet_links": [{"key": "pay-off", "type": "clause", "offset": [8, 15]}, {"key": "your-account-balance", "type": "clause", "offset": [16, 36]}, {"key": "monthly-installments", "type": "definition", "offset": [74, 94]}, {"key": "your-balance", "type": "clause", "offset": [114, 126]}, {"key": "to-pay", "type": "clause", "offset": [146, 152]}, {"key": "payment-of", "type": "definition", "offset": [172, 182]}, {"key": "new-balance", "type": "clause", "offset": [196, 207]}, {"key": "rounded-to", "type": "clause", "offset": [209, 219]}, {"key": "at-the-end-of", "type": "clause", "offset": [278, 291]}, {"key": "statement-period", "type": "definition", "offset": [297, 313]}, {"key": "periodic-statement", "type": "clause", "offset": [348, 366]}, {"key": "the-credit-union", "type": "definition", "offset": [423, 439]}, {"key": "other-action", "type": "definition", "offset": [446, 458]}, {"key": "default-under-this-agreement", "type": "clause", "offset": [476, 504]}, {"key": "past-due", "type": "definition", "offset": [567, 575]}, {"key": "your-credit-limit", "type": "clause", "offset": [625, 642]}, {"key": "payments-and-credits", "type": "clause", "offset": [644, 664]}, {"key": "finance-charges", "type": "definition", "offset": [712, 727]}, {"key": "late-charges", "type": "clause", "offset": [729, 741]}, {"key": "other-fees-or-charges", "type": "clause", "offset": [747, 768]}, {"key": "cash-advances", "type": "definition", "offset": [809, 822]}, {"key": "purchase-balance", "type": "definition", "offset": [848, 864]}, {"key": "payment-due-date", "type": "definition", "offset": [871, 887]}], "samples": [{"hash": "dQEO1oqGuUD", "uri": "/contracts/dQEO1oqGuUD#minimum-payment-due", "label": "Variable Rate Credit Card Agreement", "score": 24.4976043701, "published": true}, {"hash": "hFq6tn1pe7t", "uri": "/contracts/hFq6tn1pe7t#minimum-payment-due", "label": "Variable Rate Credit Card Agreement", "score": 24.3278579712, "published": true}, {"hash": "6FaZkaIcouc", "uri": "/contracts/6FaZkaIcouc#minimum-payment-due", "label": "Variable Rate Credit Card Agreement", "score": 22.861738205, "published": true}], "size": 9, "snippet": "You can pay off your account balance in full each month or you can pay in monthly installments. If you do not pay your balance in full, you agree to pay at least a minimum payment of 2.5% of your New Balance (rounded to the nearest whole dollar) or $10.00, whichever is greater at the end of each statement period. If the New Balance shown on your periodic statement is $10.00 or less, you agree to pay this amount. Unless the Credit Union takes other action as a result of a default under this Agreement, the Minimum Payment Due will also include any amount that is past due and any amount by which your new balance exceeds your credit limit. Payments and credits will be applied first to pay billed but unpaid finance charges; late charges, and other fees or charges provided for herein; and next to unpaid cash advances; and then to your unpaid purchase balance. The \"Payment Due Date\" will be shown on your periodic statement.", "hash": "6deba745b65565ca762105a0cdb72a2a", "id": 5}, {"snippet_links": [{"key": "entire-balance", "type": "definition", "offset": [58, 72]}, {"key": "billing-statement", "type": "definition", "offset": [87, 104]}, {"key": "the-balance", "type": "clause", "offset": [108, 119]}, {"key": "you-must-pay", "type": "clause", "offset": [222, 234]}, {"key": "payment-by-the", "type": "clause", "offset": [247, 261]}, {"key": "due-date", "type": "definition", "offset": [262, 270]}, {"key": "in-default", "type": "clause", "offset": [286, 296]}, {"key": "at-any-time", "type": "clause", "offset": [306, 317]}, {"key": "your-balance", "type": "clause", "offset": [341, 353]}, {"key": "without-penalty", "type": "clause", "offset": [354, 369]}], "samples": [{"hash": "N38js7v7FA", "uri": "/contracts/N38js7v7FA#minimum-payment-due", "label": "Credit Card Agreement", "score": 26.3141689301, "published": true}, {"hash": "7LvkkQvmRnJ", "uri": "/contracts/7LvkkQvmRnJ#minimum-payment-due", "label": "Credit Card Agreement", "score": 24.9000682831, "published": true}, {"hash": "7P6zjqo4lbZ", "uri": "/contracts/7P6zjqo4lbZ#minimum-payment-due", "label": "Credit Card Agreement", "score": 24.8713207245, "published": true}], "size": 8, "snippet": "The minimum payment due each month will be either (a) the entire Balance shown on your billing statement if the Balance is less than $10.00; or (b) the greater of $10.00 or 2% of the Balance rounded up to the next dollar. You must pay the Minimum Payment by the Due Date to avoid being in Default. You may at any time pay all or any part of your Balance without penalty.", "hash": "70837bc24bff3529a84eaf47816c1296", "id": 6}, {"snippet_links": [{"key": "payment-due-date", "type": "definition", "offset": [10, 26]}, {"key": "your-balance", "type": "clause", "offset": [42, 54]}, {"key": "to-pay", "type": "clause", "offset": [74, 80]}, {"key": "payment-amount", "type": "definition", "offset": [109, 123]}, {"key": "new-balance", "type": "clause", "offset": [137, 148]}, {"key": "the-credit-union", "type": "definition", "offset": [325, 341]}, {"key": "property-purchased", "type": "clause", "offset": [382, 400]}, {"key": "credit-card", "type": "clause", "offset": [411, 422]}, {"key": "other-loans", "type": "clause", "offset": [447, 458]}, {"key": "your-shares", "type": "clause", "offset": [544, 555]}, {"key": "other-deposits", "type": "definition", "offset": [560, 574]}, {"key": "agreement-and-disclosure", "type": "definition", "offset": [609, 633]}, {"key": "federal-credit-union", "type": "clause", "offset": [660, 680]}, {"key": "please-read-it-carefully", "type": "clause", "offset": [682, 706]}, {"key": "for-your-records", "type": "clause", "offset": [719, 735]}, {"key": "supersedes-all-prior-agreements", "type": "clause", "offset": [740, 771]}, {"key": "disclosure-statements", "type": "clause", "offset": [776, 797]}, {"key": "to-your-account", "type": "clause", "offset": [807, 822]}, {"key": "this-agreement", "type": "clause", "offset": [848, 862]}, {"key": "agreement-to", "type": "definition", "offset": [869, 881]}, {"key": "as-amended", "type": "definition", "offset": [907, 917]}, {"key": "from-time-to-time", "type": "clause", "offset": [918, 935]}, {"key": "issued-by", "type": "clause", "offset": [955, 964]}, {"key": "your-application", "type": "clause", "offset": [986, 1002]}, {"key": "acceptance-of-the-card", "type": "clause", "offset": [1022, 1044]}, {"key": "use-of-the-card", "type": "definition", "offset": [1054, 1069]}], "samples": [{"hash": "lQYlwZRiaAe", "uri": "/contracts/lQYlwZRiaAe#minimum-payment-due", "label": "Credit Card Agreement", "score": 31.5169658661, "published": true}, {"hash": "bKgUkv6oVZG", "uri": "/contracts/bKgUkv6oVZG#minimum-payment-due", "label": "Credit Card Agreement", "score": 31.5169658661, "published": true}, {"hash": "6VleGRhgXyh", "uri": "/contracts/6VleGRhgXyh#minimum-payment-due", "label": "Credit Card Agreement", "score": 31.3693752289, "published": true}], "size": 6, "snippet": "If by the payment due date you do not pay your balance in full, you agree to pay at least the minimum billed payment amount of 2% of the New Balance (rounded up to the next whole dollar) or $20, whichever is greater. Should your New Balance be less than $20, you agree to pay the New Balance in full by the payment due date. The credit union will acquire a security interest in the property purchased with your credit card and collateral securing other loans with us may also secure this account. Also, you are giving us a security interest in your shares and other deposits in the credit union. THIS IS YOUR AGREEMENT AND DISCLOSURE STATEMENT WITH GREENVILLE FEDERAL CREDIT UNION. PLEASE READ IT CAREFULLY AND KEEP IT FOR YOUR RECORDS. IT SUPERSEDES ALL PRIOR AGREEMENTS AND DISCLOSURE STATEMENTS RELATING TO YOUR ACCOUNT. YOU DO NOT HAVE TO SIGN THIS AGREEMENT. YOUR AGREEMENT TO ALL OF THESE PROVISIONS, AS AMENDED FROM TIME TO TIME INCLUDING THE CARD ISSUED BY US, WILL BE SHOWN BY YOUR APPLICATION FOR THE CARD, YOUR ACCEPTANCE OF THE CARD, OR YOUR USE OF THE CARD, WHICHEVER OCCURS FIRST.", "hash": "b4482c73003d43cd90d7b813ae1d1b9e", "id": 7}, {"snippet_links": [{"key": "billing-statement", "type": "definition", "offset": [19, 36]}, {"key": "new-balance", "type": "clause", "offset": [83, 94]}, {"key": "payment-of", "type": "definition", "offset": [113, 123]}, {"key": "payment-due-date", "type": "definition", "offset": [164, 180]}, {"key": "your-billing", "type": "definition", "offset": [194, 206]}, {"key": "your-minimum-payment", "type": "clause", "offset": [232, 252]}, {"key": "rounded-to", "type": "clause", "offset": [294, 304]}, {"key": "nearest-dollar", "type": "definition", "offset": [309, 323]}, {"key": "interest-and-fees", "type": "clause", "offset": [360, 377]}, {"key": "as-shown", "type": "definition", "offset": [389, 397]}, {"key": "past-due-amounts", "type": "definition", "offset": [431, 447]}, {"key": "your-credit-limit", "type": "clause", "offset": [498, 515]}, {"key": "our-option", "type": "clause", "offset": [525, 535]}, {"key": "to-pay", "type": "clause", "offset": [556, 562]}, {"key": "in-no-event-will", "type": "clause", "offset": [644, 660]}, {"key": "in-accordance-with", "type": "definition", "offset": [764, 782]}], "samples": [{"hash": "5a4ihrKpA02", "uri": "/contracts/5a4ihrKpA02#minimum-payment-due", "label": "Credit Card Agreement", "score": 25.1013011932, "published": true}, {"hash": "4DKasPD22CC", "uri": "/contracts/4DKasPD22CC#minimum-payment-due", "label": "Credit Card Agreement", "score": 25.1013011932, "published": true}, {"hash": "8J7cfCSb1e8", "uri": "/contracts/8J7cfCSb1e8#minimum-payment-due", "label": "Credit Card Agreement", "score": 24.835729599, "published": true}], "size": 5, "snippet": "When we send you a billing statement, it will show your \u201cMinimum Payment Due\u201d and \u201cNew Balance.\u201d We must receive payment of at least the Minimum Payment Due by the Payment Due Date disclosed on your billing statement. The amount of your Minimum Payment Due will be the greater of: (1) the sum (rounded to the nearest dollar) of 1% of your New Balance plus the interest and fees we charged as shown on the billing statement and any past due amounts; or (2) $15. However, if your New Balance exceeds your Credit Limit, then at our option, we may require you to pay any amount up to the entire overlimit amount instead of the Minimum Payment Due. In no event will your Minimum Payment Due exceed the amount of your New Balance. We may adjust your Minimum Payment Due in accordance with our Pay-Ahead Program.", "hash": "9f28671a34b0fcfad3d7568a1d827b9e", "id": 8}, {"snippet_links": [{"key": "to-pay", "type": "clause", "offset": [10, 16]}, {"key": "your-credit-limit", "type": "clause", "offset": [118, 135]}, {"key": "sum-of", "type": "clause", "offset": [141, 147]}, {"key": "past-due-amounts", "type": "definition", "offset": [152, 168]}, {"key": "if-applicable", "type": "clause", "offset": [194, 207]}, {"key": "current-payment", "type": "clause", "offset": [214, 229]}, {"key": "new-balance", "type": "clause", "offset": [271, 282]}, {"key": "total-outstanding-balance", "type": "definition", "offset": [321, 346]}, {"key": "at-any-time", "type": "clause", "offset": [347, 358]}, {"key": "billing-cycles", "type": "clause", "offset": [496, 510]}, {"key": "you-must-pay", "type": "clause", "offset": [563, 575]}, {"key": "monthly-statement", "type": "definition", "offset": [623, 640]}, {"key": "payment-due-date", "type": "definition", "offset": [648, 664]}, {"key": "payment-amount", "type": "definition", "offset": [679, 693]}], "samples": [{"hash": "gclaZJvHOqJ", "uri": "/contracts/gclaZJvHOqJ#minimum-payment-due", "label": "Business Cardholder Agreement", "score": 28.5633468628, "published": true}, {"hash": "dI8Tk6EKKoK", "uri": "/contracts/dI8Tk6EKKoK#minimum-payment-due", "label": "Consumer Cardholder Agreement", "score": 28.3416194916, "published": true}], "size": 5, "snippet": "You agree to pay the Minimum Payment Due of $25.00 or 5% of the amount you owe, whichever is greater, any amount over your credit limit, the sum of all past due amounts, and any resulting fees, if applicable. Your current payment will not be less than $25.00 unless your New Balance is less than $25.00. You may pay your total outstanding balance at any time. If you pay more than the Minimum Payment Due during any particular Billing Cycle, a Minimum Payment Due will still be due in subsequent Billing Cycles, unless we notify you otherwise. Each Billing Cycle you must pay at least the Minimum Payment Due shown on your monthly Statement by its Payment Due Date. We round the payment amount to the higher \u2587\u2587\u2587\u2587\u2587. The Minimum Payment Due will not be greater than your New Balance.", "hash": "2d47f2f3147669c8d71f5cfb0d00a4ba", "id": 9}, {"snippet_links": [{"key": "payment-is-due", "type": "clause", "offset": [5, 19]}, {"key": "payment-due-date", "type": "definition", "offset": [37, 53]}, {"key": "account-statement", "type": "definition", "offset": [68, 85]}, {"key": "you-must-pay", "type": "clause", "offset": [87, 99]}, {"key": "monthly-basis", "type": "definition", "offset": [170, 183]}, {"key": "new-balance", "type": "clause", "offset": [228, 239]}, {"key": "past-due", "type": "definition", "offset": [391, 399]}, {"key": "credit-limit", "type": "clause", "offset": [449, 461]}], "samples": [{"hash": "9J7caHHRagR", "uri": "/contracts/9J7caHHRagR#minimum-payment-due", "label": "Card Agreement", "score": 33.4247741699, "published": true}, {"hash": "dJY9Zy9wai8", "uri": "/contracts/dJY9Zy9wai8#minimum-payment-due", "label": "Card Agreement", "score": 33.4158172607, "published": true}], "size": 4, "snippet": "Your payment is due on or before the Payment Due Date shown on your Account Statement. You must pay at least the Minimum Payment Due shown on your Account Statement on a monthly basis, which will be the greater of (a) 5% of the New Balance, or (b) $35.00. Any New Balance less than $35 is payable in full. The Minimum Payment Due shown on your Account Statement will also include any amount past due and any amount by which your Account exceeds its credit limit.", "hash": "7555fae970bd613c39fa95d9e370a8d4", "id": 10}], "next_curs": "ClwSVmoVc35sYXdpbnNpZGVyY29udHJhY3RzcjgLEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2IhxtaW5pbXVtLXBheW1lbnQtZHVlIzAwMDAwMDBhDKIBAmVuGAAgAA==", "clause": {"children": [["revolving-account", "Revolving Account"], ["special-event-account", "Special Event Account"], ["club-account", "Club Account"], ["major-purchase-account", "Major Purchase Account"], ["skip-payment-offers", "Skip Payment Offers"]], "parents": [["payments-and-late-payment-fee", "Payments and Late Payment Fee"], ["making-payments", "Making Payments"], ["definitions", "Definitions"], ["payments", "Payments"], ["survival", "Survival"]], "title": "Minimum Payment Due", "size": 151, "id": "minimum-payment-due", "related": [["minimum-payment", "Minimum Payment", "Minimum Payment"], ["minimum-payments", "Minimum Payments", "Minimum Payments"], ["payment-due", "Payment Due", "Payment Due"], ["quarterly-payments", "Quarterly Payments", "Quarterly Payments"], ["maximum-payment", "Maximum Payment", "Maximum Payment"]], "related_snippets": [], "updated": "2025-07-23T06:00:56+00:00", "also_ask": ["What negotiation leverage does the minimum payment due clause provide to each party?", "Which essential terms must be included to ensure the clause is enforceable and unambiguous?", "What are the most common legal pitfalls or risks associated with poorly drafted minimum payment due clauses?", "How do minimum payment due provisions in this agreement compare to industry standards or statutory requirements?", "What factors do courts consider when determining the enforceability of a minimum payment due clause?"], "drafting_tip": "Specify the calculation method, payment deadline, and consequences of non-payment to ensure clarity, timely compliance, and enforceability.", "explanation": "The Minimum Payment Due clause defines the smallest amount a borrower must pay by a specified due date to keep a credit account in good standing. Typically, this amount is calculated as a percentage of the outstanding balance or a fixed sum, whichever is greater, and may include fees or interest accrued during the billing period. By establishing a clear minimum payment requirement, this clause helps ensure regular payments are made, reducing the risk of default and providing clarity for both the lender and the borrower."}, "json": true, "cursor": ""}}