Abstract: Methods and system for balance account utilization are described. In one embodiment, a balance account may be linked to a credit card account of a user. A determination of whether there is an amount due for the credit card account may be made. A determination of whether at least a minimum payment has been received for the amount due by a due date may be made. Funds from the balance account may be accessed based on the linking and a failure to receive at least the minimum payment by the due date. A balance payment may be processed on the due date for the credit card account with the funds from the balance account.

Abstract: Methods and system for installment payment utilization are described. In one embodiment, a revolving balance of a credit instrument associated with a user may be accessed. The revolving balance may be at a revolving balance interest rate. An installment balance may be designated for the credit instrument. The installment balance may be associated with a payment schedule and a payment amount and be at a different interest rate than the revolving balance interest rate. The credit instrument may be updated responsive to the designation of the installment balance.