Abstract: Methods and systems are described for identifying a likelihood that a client will provide payment for an overdue balance associated with the client's account and ranting a grace period to the client in which to provide the payment. This permits a client to provide payment for an overdue balance that may have been unintentional without an interruption of the services rendered to the client. Factors used to determine whether to grant the grace period include financial characteristics of the client's account. In the example of an advertiser using a social networking system to serve ads, social engagement of the advertiser can also be used to determine whether to grant a grace period.