Billease Pay with Grace at Kimstore FAQ
What is Pay with Grace?
Pay with Grace is a flexible payment plan that offers a 3 or 6-month grace period with 0% interest. This allows customers to pay off their purchases within the grace period without incurring any interest charges.
Ano ang BillEase Pay with Grace?
Ang BillEase Pay with Grace ay isang payment plan na may 3-6 na buwang “grace period” kung saan hindi ka magbabayad ng interes.
Why are the installment amounts the same even though it is claimed to be 0% interest?
The installment amounts remain the same to ensure that your payments are evenly distributed across the total payment period. During the 0% interest grace period, you are not being charged any interest. The consistent installment amounts provide a clear and manageable payment structure, making it easier for you to plan your finances. No interest is applied to the payments made within the grace period.
Bakit parang hindi nagbago ang aking installment amount kahit 0% interes ang plan?
Ang installment amount ay hindi muna nagbago para masiguradong pantay-pantay ang iyong babayaran sa loob ng installment period. Wala ka namang babayarang interes sa loob ng 0% na grace period mo.
What is the interest rate after the grace period?
After the initial grace period (e.g., 3 months), the interest rate is 3.49% for the remaining payment period.
Ano ang magiging interest rate pagkatapos ng grace period?
Pagkatapos ng grace period, ang interest rate ay 3.49% para sa mga natitirang buwan.
What is the minimum and maximum purchase amount for Pay with Grace?
For Kimstore, the minimum amount to avail 0% Pay with Grace is Php15,000 for 3 months and Php20,000 for 6 months. This means your purchase amount must be above this minimum to avail grace period.
Ano ang minimum purchase amount para magamit ang Pay with Grace?
Dito sa Kimstore, ang minimum purchase amount ay PHP 15,000 para sa 3 buwan na 0% interes o PHP 20,000 para sa 6 buwan na 0% interes.
What happens if my transaction amount is below the minimum purchase amount to avail Pay with Grace?
If the transaction amount does not reach the minimum required amount to avail Pay with Grace, the standard financing plan will be shown at checkout.
Ano ang mangyayari kapag hindi umabot ang aking item sa minimum purchase amount?
Kapag hindi umabot sa minimum purchase amount ang iyong bilihin, ang aming standard financing plan ang gagamitin.
How long is the total payment period?
The total payment period is 12 months, including the initial 3 or 6-month grace period.
Gaano kahaba ang total payment period?
Ang total payment period ay 12 na buwan, kasama na ang 3 o 6 na buwang grace period.
What happens if I pay off the entire amount within the grace period?
If you pay off the entire amount within the 3 or 6-month grace period, you will not be charged any interest.
Paano kung mabayaran ko ang buong amount sa loob ng grace period?
Kapag nabayaran mo ng buo sa loob ng grace period, hindi ka sisingilin ng interes.
Can I make partial payments during the grace period?
Yes, you can make scheduled installment payments or pay off the entire balance before the grace period ends, all while enjoying 0% interest.
Maari bang magbayad ng partial payments sa loob ng grace period?
Oo. Maari mo ring bayaran ang buong balanse bago matapos ang grace period at eto ay 0% interes pa rin.
What if I need more flexibility in payments?
If you need more flexibility, you can follow the regular payment schedule and complete your installments over the 12-month period.
May alternatibong paraan pa ba ako para bayaran ang aking Pay with Grace?
Meron. Maari mo namang sundin ang aming regular na payment schedule at bayaran ang installment sa loob ng 12 na buwan.
Can I pay off the entire amount after the grace period?
Once the grace period ends, you must follow the scheduled installment payments until the end of the 12-month period. You can also choose to pay all your installments with an interest rate.
Maari bang bayaran ang buong presyo pagkatapos ng grace period?
Kapag tapos na ang grace period, kailangan mo nang sundan ang iyong scheduled installment payment hanggang matapos ang 12-month period. Maari mo ring bayaran ang iyong instalment na may interes.
Is there a penalty for early payment?
No, there is no penalty for early payment. You can complete your entire installment within the grace period without any additional fees.
Mayroon bang penalty kapag binayaran ko ang installment ng maaga?
Walang penalty kung maaga ka magbabayad.
Can I change the payment plan after selecting Pay with Grace?
Once you have selected the Pay with Grace plan, you cannot change the payment terms. However, you can choose to pay off the entire balance early within the grace period without incurring any interest.
Maari pa ba along magpalit ng plan matapos piliin ang Pay with Grace?
Hindi na maaring magpalit ng plan kapag pinili mo na ang Pay with Grace. Maari namang bayaran ng maaga ang buong amoung ng hindi nagkakaroon ng interes.
What happens if I miss a payment during the grace period?
If you miss a payment, the grace period will end and you will need to pay according to the original schedule including penalty fee incurred for late payment.
Ano ang mangyayari kung may hindi ako nabayaran sa loob ng grace period?
Kapag may hindi ka nabayaran, matatapos ang grace period at masusunod muli ang orihinal na schedule, kasama na ang penalty fee para sa iyong late na bayad.
How will I be notified of my payment schedule?
You will receive a detailed payment schedule via email and you can always check your payment schedule and balance through our mobile app (Installments > Active).
Saan ko makikita ang aking payment schedule?
Makikita mo ang iyong payment schedule sa email na ipapadala namin. Maari mo rin itong makita sa aming mobile app. (Silipin sa Installments > Active)
How do I know if my purchase qualifies for Pay with Grace?
You will see the Pay with Grace option at checkout if your purchase meets the minimum. For Kimstore, to avail 3 months grace, your minimum purchase should be PHP 15,000 and to avail 6 months minimum purchase should be PHP 20,000.
Paano ko malalaman kung ang binili ko ay pasok sa Pay with Grace?
Depende kung pasok ang iyong item sa minimum purchase requirement. Para sa 3 months na Pay with Grace, ang minimum purchase requirement ay PHP 15,000. Para sa 6 months na Pay with Grace, ang minimum purchase requirement ay PHP 20,000.
What should I do if I have questions about my installment plan?
For any questions or concerns about your installment plan, you can contact our customer support team via chatbot. They will be happy to assist you with any inquiries regarding your payment schedule or remaining balance.
May iba pa akong tanong tungkol sa aking installment plan?
Para sa karagdagang tanong tungkol sa iyong installment plan, maari kayong tumawag sa aming customer support team.