What happens to my credit balance?

If you have less than 24 months left on your original agreement, your credit balance will be cancelled.

If you have 24 months or more remaining, your credit balance will be adjusted based on the time remaining in a 12-month period.

Example

• Initial credit balance: $600
• How long you have been a Hilo customer: 10 months
• New remaining commitment period: 2 months (12 months – 10 months)
• New balance if your agreement is terminated: $100 ($600 / 12 = $50 per month left × 2 months left = $100)