Rescheduling Requests

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• Eligibility
  • Available only to clients with a valid credit line and no overdue balances
• Request Period
  • Submit rescheduling requests via your First Circle account at least 2 business days before your due date.
  • Same-day requests are not allowed.

• Steps to reschedule an upcoming payment:

  

• Limits
  • The total reschedule period cannot exceed 60 days from the original due date.
• Approval process (for requests sent via email):
  • The Repayments Team will email you with:
    • A computation of the new repayment amount
    • Details of the reschedule terms
    • Payment instructions
  • You must confirm via email to finalize the request.
• Interests and fees
  • Additional interest applies depending on the number of days moved.
  • This will be included in the computation shown to you before you confirm the rescheduling request (please see Step 4).
  • First Circle does not waive additional interest for rescheduled payments.
• Important notes

  • We encourage clients to reschedule their repayments conveniently through the app. If you need assistance or encounter any issues, please contact your assigned Relationship Manager or Account Manager. You can also reach out to our support team at [e-mail].

  • Failure to follow grace periods may result in denied requests.
  • Rescheduling may affect your standing during the credit line renewal assessment.

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