You can convert eligible purchases to a Q PLAN. If a purchase is eligible you will be shown the ‘swipe to convert’ option on your transaction within your mobile app or My Account.
An ‘Eligible Q PLAN Purchase’ means:
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a Standard Purchase with at least $250 or more still outstanding at the time you request to convert it to a Q PLAN, including a Standard Purchase that qualifies under a Q Promotion.
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However, an Eligible Q PLAN Purchase does not include:
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any transaction that is the subject of Long Term Finance, a Cash Advance or a Balance Transfer.
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any Standard Purchase which, if converted, would mean the transactions that are the subject of a Q PLAN, would be 80% or more of your Credit Limit. This means that while you may have multiple Q PLANs you can only use 80% of your total Credit Limit towards Q PLAN or other Fixed Instalments. If there is still sufficient available credit, but this 80% threshold has been met no purchases will be eligible to convert until the threshold is less than 80%.
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any Standard Purchase for which the original transaction date is not within 30 days of the day you request to convert it to a Q PLAN.
