If you are using us for the first time this month, we take the $5.99 monthly fee with your first payment. After that, the monthly fee gets charged on the 1st of the month if you have active bills with us on that day.
Sam deferred a bill in March. On 1 April, Sam has active bills that are using up account balance, and the $5.99 monthly fee will be debited. Sam pays all remaining payments in April and has no more active bills. The monthly fee will not be debited on the 1st of May.