See What are Payment Streaks (Loyalty Tiers)? for more information about our loyalty tiers program.
A tier downgrade can happen when you miss a payment or do not resolve a failed payment within the applicable timeframe.
- If a payment fails before its original or rescheduled due date, it must be successfully paid by that due date.
- If a payment fails on or after the applicable due date, it must be successfully paid by the end of the day it failed.
- Payments attempted early will result in a tier downgrade only if they are not successfully paid by the applicable due date.
For the Platinum, Diamond, and Onyx tiers, you need to earn the minimum required streak count of successful payments in order to maintain your tier at the end of the 90-day window. If you fail to do so, you will be downgraded a tier. The lowest you can get downgraded for inactivity is the Gold tier.