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At the time of purchase, once the merchant confirms your order, you will only be charged for the first payment. The remaining balance will be held on your credit card until the final payment is made. After each monthly payment, the amount held from your available balance will be reduced to the new remaining balance (the held amount might appear as “pending”). To be eligible, you must own a VISA or MasterCard credit card and have the entire amount of your purchase available on your card. Splitit will not charge you interests or fees. Other charges may apply from your credit card issuer.