f.

Credit card receivables - if the minimum amount due or minimum payment required is not paid within two (2) cycle dates, the total amount due stated in the billing statement: Provided, however, That the total outstanding balance which includes amortization/s of any fixed monthly installment plan or deferred payment scheme shall be considered and reported past due when the number of monthly installments in arrears is three (3) or more: Provided, further, That the quasi-bank shall have the right to demand the obligation in full in case of default in any installment thereon if the contract between the quasi-bank and the cardholder contains an œacceleration clause ;