You lose your rewards after 2 yrs. If you dnt pay them at 5am, ON the due date, regardless if you pay it ON THE DUE DATE, you get ALL of your rewards taken. They STILL dnt have a customer service number and all they say is "we ate looking into this". I have a payment due TODAY, AND GARANTE, they will NOT respond until AFTER they get THEIR MONEY! But I'm just supposed to "wait" for them to decide they want to do some "customer service". Im telling you be VERY CAREFUL dealing with afterpay. There's ALOT of "hidden" factors with them and they change their "requirements" ALL THE TIME, WITHOUT telling you and expect you to still follow them. Don't expect to keep your rewards after you get to the 2ND MINT TIER. If my payment were late, I wouldn't be where I'm at on the "rewards". USE KLARNA!