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 Sellrbc ion+ When you have the RBC ® ION+ Visa card you can easily earn points and redeem them for flexible rewards such as travel tickets, bill payments or even cash back

Check out the full video: out CreditVerse:Website - be eligible for this offer your application for the RBC Avion Visa Infinite, RBC Avion Visa Platinum, or RBC Avion Visa Infinite Privilege credit card must be received by the date indicated on this page and must be approved by us. (Member–Canadian Investor Protection Fund), RBC InvestEase Inc. Détails sur rbc. 25 Avion points for every dollar you spend 2. My RBC ION Visa review is positive. It comes with practical benefits such as a 3-month complimentary DashPass subscription, gas savings at Petro-Canada. $39. S. As members, they'll be able to reward themselves by redeeming points for gift cards and merchandise, along with access to best-in-class cash-back savings and offers. Visa Cash Back Card. Get the app and you can get it all on the go. Unfortunately, there is no way to waive the fee completely. 1 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc. (Member–Canadian Investor Protection Fund), RBC InvestEase Inc. Here is how RBC. Apply by November 27, 2023. recommended credit score: 660. You can earn the maximum points when you spend on grocery and dining, rides, gas and EV charging, and digital subscriptions. 714 = 1. The only issue is your points are restricted to Air Canada and its partners, where as the Avion points you earn with the RBC Ion Visa card can be used with any travel purchase. As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary RBC ION+ Visa cardholder, the $4 monthly fee ($48 annually) of your RBC ION+ Visa card will be fully rebated, every month, as long as your eligible credit card remains in good standing and you remain an SNL account owner. With a credit card balanceunder $10, pay: You will not be charged a premium if you have a credit card account balance 6 of less than $10 on your statement date. , RBC Global Asset Management Inc. As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary RBC ION+ Visa cardholder, the $4 monthly fee ($48 annually) of your RBC ION+ Visa card will be fully rebated, every month, as long as your eligible credit card remains in good standing and you remain an SNL account owner. opens in a new window. (Member–Canadian Investor Protection Fund), RBC InvestEase Inc. Visa Cash Back Card. Learn more at rbc. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months. Mississauga. Apply by November 27, 2023. 1. (Member–Canadian Investor Protection Fund), RBC InvestEase Inc. recommended credit score: 660. Earn 3X Avion points for every $1 spent on groceries, food delivery, rides, gas, streaming, subscriptions, digital gaming and more. I explain why I keep the RBC ION+ in my wallet. RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one (1) RBC Debit Card to a Be Well Card. 5x for streaming and ION+ gives 3x (at a $4/month fee). If you choose not to pay off your balance in full, try to pay more than the minimum balance due. The 3,500 additional Avion points will be awarded to you if a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your RBC ION+ Visa credit card account within the first 3 months from the date of your credit card account open date, provided your account. 5 Avion Premium points per dollar spent † on qualifying grocery, gas, rideshare, daily public transit, electric vehicle charging, streaming, digital gaming and digital subscriptions†; 1 Avion Premium point per dollar spent † on all other qualifying purchases†; The first thing you’ll. Get 12,000 Welcome Avion Points on approval. The RBC ION Visa has slightly modified Avion Rewards, where the best option is to transfer your points to WestJet. Good/Very Good: $48 (paid as $4 per month) 12,000 Avion Points: MBNA Rewards Platinum Plus Mastercard:Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months 1. The RBC ION+ Visa card is a mid-level credit card with an annual fee structure that is relatively uncommon in the Canadian market. $19. Earn 3X Avion points for every $1 spent on groceries, food delivery, rides, gas, streaming, subscriptions, digital gaming and more. recommended credit score: 660. 99% if you reside in Quebec) on cash advances and balance. 5,000 Points if you open a new RBC ION+ Visa, and; 500 Points if you open a new RBC ION Visa card. , RBC Direct Investing Inc. 99% $48 Min. The RBC ION Visa is the newest credit card from the Royal Bank of Canada, one of the country's most prestigious financial institutions. Box 75 Toronto, ON, M5J 2Z5 RBC Wealth Management: RBC Dominion Securities Inc. Purchase Rate: 20. Get a 0. )ION gives 1. Rebates that apply to eligible credit cards are: 1) $48 rebate (annual fee fully rebated) for: RBC ION+ Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. 14%. Earn 3 Avion points per dollar spent on groceries, dining and food delivery as well as gas, rides and electric vehicle charging with this credit card. This offer is only eligible for the RBC ION+ Visa card if. S. , Royal Trust Company or The. Up to $500,000 CAD (in total contributions). RBC ION+ Visa. entire balance of the personal property gift or must be paid using your RBC ION+ Visa card in order to be covered. The RBC ION+ Visa is a step up from the RBC ION Visa, with double the points on specific purchases. The information disclosed by WestJet to us will be. Eligible Credit Cards. So if I cancel the RBC Ion + card and wait 3 months and apply for the RBC Avion Visa Infinite. The card shines best when paired with a card that earns Avion Elite points. Call 1-800-769-2511 to apply for a line of credit or personal loan. “Up to $275 in value” represents the combined total value of the following promotional offers: (a) $100 when you open an Advantage Bank Account for students by October 31, 2023 Disclaimer 26, plus (b) x$75 worth of gift cards/certificates when you open a RBC ION+ Visa credit card account by October 31, 2023 Disclaimer 52, and (c) $100 when you are. recommended credit score: 660. Upon enrolment, 12,000 (“welcome points”) points will appear within the first two monthly statements. No annual fee; Earn 1. Earning Rewards. With the RBC ION+ Visa Card, you can earn up to 7,000 Avion points as a welcome bonus. Donate to charity. The 3,500 additional Avion points will be awarded to you if a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your RBC ION+ Visa credit card account within the first 3 months from the date of your credit card account open date, provided your account. 1 You will earn 1. Upon enrolment, 12,000 (“welcome points”) points will appear within the first two monthly statements. 1 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc. The ION/ION+ doesn't earn the same type of rewards as Avion cards. Explore the many perks and rewards that students can enjoy just by banking with RBC. Here are some tips to help minimize the interest charges on your credit card: Pay off your credit card balance in full each month. Get 12,000 Avion points * when you’re approved for the RBC ION+ Visa credit card or 6,000 Avion points * when you’re approved for the RBC ION Visa credit card Compare Cards Now Compare Cards Now. View Legal Disclaimers. 5X Avion points for every $1 spent 1 on:. Now RBC’s new ION and ION+ Visa allows you to get rewards faster, so you can be the holder of your own streaming passwords. One of RBC’s newest offerings, the RBC ION+ Visa is a solid, low-fee rewards card with generous earning rates on daily spending. Minimum income requirement: A minimum annual personal income of $60,000 or household income of $100,000. With the TD card I didn’t find the points I was accumulating to be worth that much. The ION+ has a lot more perks that make sense. The date your RBC ION+ Visa account is sixty (60) days past due. RBC ION Visa: 6,000 bonus points : Best student credit card for AIR MILES collectors:. , RBC Direct Investing Inc. The current welcome bonus on the card is 12,000 Avion points, which are awarded upon approval if you apply before October 31, 2023. , RBC Global Asset Management Inc. RBC ION+TM Visa $48** $0 21 20. Min. Launched in 1864 to offer credit to merchants on the Halifax waterfront, it was incorporated. Free with RBC Avion Visa 1. Choose one of eight eligible charities. Mortgages. Store credit cards co-branded with VISA, Mastercard, or Discover can be used anywhere that those cards are accepted. Upon enrolment, 35,000 Avion points (or "welcome points") will appear within the first two monthly statements. Enjoy 3,500 Avion points upon approval . , RBC Direct Investing Inc. Status: Active. RBC ION+ Visa. Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months 1. Make sure you have the right travel insurance—get an online quote or call the Enrollment Centre. Get up to 7,000 welcome points. of this year. N/A. Get up to 7,000 welcome points. Those willing to pay a $4 monthly fee can benefit from the enhanced earning potential of the RBC ION+ Visa Card. The fee could be reduced to $10. , RBC Direct Investing Inc. Earn Avion Points on Everyday Purchases. Earn unlimited 3x on a variety of common spending. Call Toll-Free: 1-866-756-1107. Choose any airline, any flight, any time. 25 RBC Rewards points for every $1 you spend. Legal Disclaimer 1; Get up to 7,000 Avion points with the RBC ION+ Visa Card Legal Disclaimer 2 -. RBC ION+ Visa. RBC’s new ION and ION+ Visa credit cards are powered by Avion Rewards, so cardholders will also become Avion Premium members of the recently transformed loyalty program. I regularly travel for work so the Avion is good for paying for my flights and hotels. If this is also the case with Avion Select points, then it could be possible to pool Avion Select points with Avion. 18 upvotes. View Legal Disclaimers. The Royal Bank of Canada, commonly known as RBC, is one of Canada’s Big Six financial institutions. They will enjoy access to best-in-class cash back savings and offers from more than 1,900 retail partners as well as discover more ways to earn, redeem and pay with Avion points – all within one. Type: SMS. Fake RBC Password Reset Emails. , RBC Direct Investing Inc. Interest Rates. With the RBC Avion Visa Infinite Card, you can use 12,000. 07%. Complete offer eligibility criteria by March 29, 2024. Interac e-transfer. Cultured precursors can be genetically modified to delete ion channels or to (over)express (mutated) ion channels in mature RBCs. 58: Redeeming points for statement credits: 0. Donate now. Get up to 7,000 welcome points. The date your RBC ION+ Visa account is sixty (60) days past due. Upon enrolment, 12,000 (“welcome points”) points will appear within the first two monthly statements. 99% $48 Min. Donate your points to support worthy causes like Tree Canada, Ronald McDonald House Charities Canada, Hope Air and Canadian Olympic Foundation. Review the CreditView Dashboard agreement and select I Accept & Continue. Stay connected with a complimentary Boingo Wi-Fi account 6. À titre de titulaire unique ou de cotitulaire d’un Forfait bancaire sans limite Signature RBC et de titulaire principal d’une carte Visa RBC ION+, vous bénéficierez d’une annulation des frais mensuels de 4 $ (48 $ par année) de votre carte Visa RBC ION+ tant que votre compte de carte de crédit demeure en règle et que vous demeurez. Buried deep in the T&C's fine print, the points are devalued at 0. RBC launched the Ion+ Card when rebranding the RBC Rewards program to Avion Rewards and created an exciting card for students or people with low income and spending. 00 in Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchases you make on your RBC ION+ Visa credit card at merchants classified by Visa’s “Merchant Category Code” (MCC). , Royal Trust Company or The. 00 in Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchases you make on your RBC ION+ Visa credit card at merchants classified by Visa’s “Merchant Category Code” (MCC). Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchases you make on your RBC ION+ Visa credit card at merchants classified by Visa’s “Merchant Category Code” (MCC). Dollar Visa Gold, RBC. With this promotion, they get $72. 5X Avion points¹ on: Grocery. Card Details. RBC Royal Bank offers you a number of easy ways to make a credit card payment including online, by phone, in branch, at an ATM and. Both cards can still redeem for merchandise, gift cards etc. Legal Disclaimer 1; Get up to 7,000 Avion points with the RBC ION+ Visa Card Legal Disclaimer 2 -. Call Collect: 1-506-864-2275. Earn 1 Avion point for every dollar you spend 2. RBC Avion Visa Infinite Card. 7,000 points. The 3,500 additional Avion points will be awarded to you if a total of $500 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your RBC ION+ Visa credit card account within the first 3 months from the date of your credit card account open date, provided your account. Go to site More Info. Annual fee: $120. 99% $48 Min. Offer is non-transferable and is only available to the member of the RBC Referral Awards program who has not previously signed up for Mydoh prior to the start of the Offer Period. 714cpp (this is the regular price). recommended. You will need to provide the sending bank with: Your account number. Get up to 7,000 welcome points. , RBC Global Asset Management Inc. Date: October 2023. 3 points per $1 spent . RBC ION+ Visa. 71: Travel redemptions through RBC Travel portal with ION credit cards: 0. 4. Pay U. Rewards: Earn 3 points per $1 spent on eligible grocery, food delivery, ride, gas, streaming,. Here are a few of the best secured credit cards for newcomers to Canada: 1. Choose any airline, any flight, any time. For RBC ION+ Visa Card To be eligible for this offer your application for the RBC ION+ Visa must be received by the date indicated on this page and must be approved by us. For RBC ION+ Visa Card To be eligible for this offer your application for the RBC ION+ Visa must be received by the date indicated on this page and must be approved by us. Keep up with your RBC Bank U. Additional cardholder(s), as well as existing RBC ION+ Visa cardholders, applying for or transferring to an RBC ION+ Visa card as of the offer eligibility period, are not eligible for this offer. date of purchase when a mobile device is purchased in full using your RBC ION+ Visa card and/or Avion ® points. 99% for the first 10 months (then 22. RBC ION+ Visa. The current welcome bonus on the card is 12,000 Avion points, which are awarded upon approval if you apply before October 31, 2023. Additional cardholders (co. I’m wondering if I could get the Ion+ card for other regular purchases where it’s Avion earnings are greater. 💳 Check out all the current RBC Credit Card offers here. 3 points per $1 spent . Earn unlimited 3x on a variety of common spending. , RBC Direct Investing Inc. You will pay $12. Donate to charity. Red blood cells (RBC) are the most abundant cell type in human blood. 99% for the RBC Avion Visa Infinite Business card and only has an annual fee of $79. Annual Fee. RBC will not stop sending me these offers for their ION card which sounds pretty good to me: 3 cents off gas at petro Canada, 1:1 Avion points, or 1:1. recommended credit score: 660. 若您是高等院校学生,且为 RBC AdvantageTM Banking 学生账户(“合资格学生银行账户”)的持有人以及 RBC ION+™ Visa 信用卡‡、Signature® RBC® Rewards Visa 信用卡或 WestJet RBC 万事达信用卡(均为“合资格学生信用卡”)的主卡持有人. 1 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc. In this case, you’re able to take advantage of the elevated earning rates on some categories of spending with an RBC ION+ Card, and then leverage the wider range of redemption opportunities available with Avion Elite points. Add cash. The RBC ION+ Visa Card offers 3 Avion points for every $1 spent on groceries, food delivery, rides, gas, streaming, subscriptions, digital gaming, and 1 Avion point for every $1 spent on all other purchases. RBC ION+ Visa. com or call 1-800 ROYAL 1-2 (1-800-769-2512). $4 a month ($48 annually) Signature ® RBC Rewards ® Visa. , RBC Direct Investing Inc. 1 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc. S. The earning rates on the RBC Ion+ Visa are as follows:1 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc. RBC Online Banking is a quick and easy way to do all your banking online, in one convenient place. If there are no outstanding mortgages, limit is available up to a. The CIBC Aventura ® Visa Infinite* Card and the RBC Avion Visa Infinite Card Visa Infinite Avion Card allow you to use points for other rewards, such as everyday purchases, gift cards, products and investments. With the NEW ION family of cards, you can start earning faster on the purchases you make most. Earn 1 Avion point for every $1 you spend and an extra 25% on eligible travel purchases. 99% introductory interest rate for the first 10 months on balance transfers and cash advances. Additionally, the card offers two years of mobile device insurance for up to $1,000. 3 points per $1 spent . Points redeeming is another story but there are tricks to maximize the value of those points earned from this card! Read the full. Shop. That results in a return of up to 1. Grocery—Satisfy your taste buds while earning points on groceries. recommended credit score: 660. Interest rates: 19. For a monthly fee of $4 you can earn up to 3 points per $1 spent with the RBC ION+ Visa. 5 Avion points for every $1. Earn 3X Avion points for every $1 spent on groceries, gas, dining, food delivery, rides, streaming, subscriptions, digital gaming and more. Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months 1. $4 a month ($48 annually) Signature ® RBC Rewards ® Visa. When you have the RBC ® ION+ Visa card you can easily earn points and redeem them for flexible rewards such as travel tickets, bill payments or even cash back. 81% for the RBC Rewards+ Visa. To View Your Score in Online Banking: Sign in to Online Banking. As a sole or joint owner of an RBC Signature No Limit Banking (SNL) account and the primary RBC ION+ Visa cardholder, the $4 monthly fee ($48 annually) of your RBC ION+ Visa card will be fully rebated, every month, as long as your eligible credit card remains in good standing and you remain an SNL account owner. , Royal Trust Company or The. An RBC ION+ Visa credit card provides regular interest rates on purchases and cash advances, along with a variety of opportunities to earn Avion reward points. Get the Avion Rewards app and never miss a deal. Additional cardholders (co. Annual Fee: $48 (charged as $4 each month) Welcome Bonus: up to 12,000 Avion points (Apply by Oct 31, 2023) Earn Rate: 3x Avion points for $1 spent on ; Grocery, Dining & Food Delivery; Rides (incl. Get it all in the app. For RBC ION+ Visa Card To be eligible for this offer your application for the RBC ION+ Visa must be received by the date indicated on this page and must be approved by us. Get 12,000 welcome points on approval and enjoy special offers, insurance and protection benefits, and a low monthly fee rebate for students. Bank accounts. Call to book an appointment to open a bank account over the phone or by video conference. Trade With Points ™ with RBC Direct Investing; Learn more. Please note, this premium card can impose higher acceptance costs on. 99% (20. For an RBC ION+ Visa credit card, RBC has a special offer in place: apply by November 30, 2022, and get up to 12,000 Avion reward points upon getting credit card approval. Earn 1. These are the main differences for redeeming. $4 a month ($48 annually) WestJet RBC MasterCard. Earn unlimited 3x on a variety of common spending. 1a; Rides, Gas & EV Charging—Get the most out of trips by earning points on gas, rideshare, daily. Apply by October 31 2023 ^ Monthly fee $4 ($48 annually) Additional Cards: $0 Annual interest rate: 19. (Member–Canadian Investor Protection Fund), RBC InvestEase Inc. S. 00 in Grocery, Dining, Food Delivery, Rides, Gas, Electric Vehicle Charging, Streaming, and Digital Gaming & Subscriptions Purchases you make on your RBC ION+ Visa credit card at merchants classified by Visa’s “Merchant Category Code” (MCC). 85: Gift card redemptions: 0. 99% $48 Min. Upon enrolment, 12,000 (“welcome points”) points will appear within the first two monthly statements. Review the documentation provided. You can also transfer Avion Premium points earned on the RBC ® ION Visa and RBC ® ION+ Visa to WestJet Dollars. Download from Apple Store Download from Play Store. $19. Royal Bank. Realistic Looking URLs from Fake RBC Text Messages. Get 3,500 Welcome Points and earn 3,500 bonus points when you spend $500 in your first 3 months. The RBC Ion+ Visa has a monthly fee of $4, which amounts to $48 each year. Get a 0. S. 58 The proposed research activities to address the most urgent needs in red blood cell (RBC) ion channel research. That results in a return of up to 1. Additional cardholder(s), as well as existing cardholders of any RBC. RBC ION Visa; RBC ION+ Visa; Note: Commercial credit cards, Cashback and Co-Brand credit cards are not eligible. Which is the best description of services offered by a consumer bank? Depository accounts, loans, mortgages, credit cards, safety deposit boxes. That means with the iON+ you’re getting 1. Review the legal disclaimer and select Continue. To transfer points to or from your RBC Business credit card, call us at 1-800-769-2512. The interest rate maximum is 22. 5 on certain types of common purchases. Enjoy mobile device insurance, purchase security and extended warranty insurance. $100,000 (for terms less than 30 days)1 Products and services may be offered by Royal Bank of Canada or by a separate corporate entity affiliated with Royal Bank of Canada, including but not limited to Royal Mutual Funds Inc. Mar 2019 - Oct 2021 2 years 8 months. Canada(EN) Sign In. Coverage ends, individually for the applicant and each additional cardholder, on the earliest of: 1. The RBC ION+ Visa is an intriguing option for spenders who want to earn enticing travel rewards while keeping credit card fees down. Call Collect: 1-506-864-2275. 99%. Groceries, dining out, and food delivery purchases; Gas, rideshare,. Instead of the traditional cash-back model, the RBC ION and ION+ Visa give you Avion points, which. S. 99% if you reside in Quebec. Eligible Credit Cards. Visa Cash Back Card. Compare Credit Cards. Go to site More Info. 3 points per $1 spent . Rebates that apply to eligible credit cards are: 1) $48 rebate (annual fee fully rebated) for: RBC ION+ Visa and WestJet RBC Mastercard card, or 2) $35 rebate (annual fee partially rebated) for: RBC Avion Visa Infinite Privilege, RBC Avion Visa Infinite, RBC Avion Visa Platinum, RBC Rewards Visa Preferred, RBC U. 25 Avion points for every dollar you spend 2. Earn 1 Avion point for every $1 you spend and an extra 25% on eligible travel purchases. , RBC Direct Investing Inc. (Member–Canadian Investor Protection Fund), RBC InvestEase Inc. 0. Get 3,500 points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months. Exclusive Offer of 100 Avion points for every $1,000 in funded mortgage. WestJet RBC ® MasterCard ‡. Earn 1 Avion Premium point for every $1 spent on everything else. 83: Using points for merchandise: 0. 99% on purchases and 22. Earn 1 Avion point for every dollar you spend 2. Sign into RBC Online Banking only once and access your U. 5x the rewards for select digital purchases along with everyday purchases like gas and groceries. Earn 1 Avios for every $1 CAD you spend on qualifying purchases 2. 9. Launched in 1864 to offer credit to merchants on the Halifax waterfront, it was incorporated. Date: September 2023. , RBC Global Asset Management Inc. 7,000 points. recommended credit score: 660. Visa RBC ION+: Apply Now . RBC Cash Back Mastercard. 2 Also earn 1 Moi point on every dollar spent at Super C. bank account and credit card balances. RBC launched the Ion+ Card when rebranding the RBC Rewards program to Avion Rewards and created an exciting card for students or people with low income and spending. 99% $48 Min. , RBC Global Asset Management Inc. Secured Line of Credit. RBC ION+ Visa – RBC’s best Rewards Credit Card for Groceries, Dining, Gas and more. bank account and credit card balances. Apply online and get a response in as little as 60 seconds. RBC ION+ Visa. Use your points for a huge selection of items from top brands like Apple, Best Buy and more. *. View Legal Disclaimers. Additional cardholders (co. Earn 2X the Moi points on dining, gas, EV charging 3 and on qualifying purchases at participating Metro, Jean Coutu, Brunet and Première Moisson stores. Donate now. ^. Take care of your banking from wherever you are, anytime you want. Banking. Note: This card requires a minimum personal income of $60,000 or. Your interest rate will increase by 5% on purchases and cash advances for at least 6 months if you do not make your minimum payment by the payment due date and you have not paid it by the date we prepare your next statement 2 or more times in any 12-month.