We offer Term It plans based on a variety of factors, including the status of your credit card account and your credit and payment history. You may not see any Term It offers because none of your purchases meet our criteria for a Term It offer, because introductory or other promotional Annual Percentage Rates currently apply to your account, or because your account is closed to new charges. We have no obligation to make Term It offers, and we may choose not to make offers if a payment on your account has been late or returned unpaid to us for any reason, or your account is otherwise in default under the Credit Card Agreement.

We do not make Term It offers on Regions Explore credit card or Regions Business credit card accounts.