Why Was My Pluang Gold Instalment Cancelled Automatically?
A Pluang gold instalment is cancelled automatically when 2 consecutive monthly instalments go unpaid. Each instalment is auto-debited from your Rupiah balance on the 25th of the month; if the balance is not enough on that date, that month's payment does not go through and counts as unpaid. There is no late fee for a missed payment, but a second consecutive miss makes the system cancel the plan. An automatic cancellation carries the same cost as cancelling it yourself: a 10% cancellation penalty applies and the down payment is forfeited, and whatever remains of what you paid goes back to your Rupiah balance, which can be nothing if the penalty and down payment are larger. You do not receive the gold, because it is only added when the status is Completed. To avoid this, keep your Rupiah balance funded before the 25th of every month.
How missed payments play out
| Situation | What happens |
|---|---|
| Enough Rupiah balance on the 25th | The instalment is auto-debited and the plan continues |
| Balance short on the 25th, the first time | That month stays unpaid, with no late fee; the plan continues |
| Balance short again the following month | 2 consecutive instalments are unpaid, so the plan is cancelled automatically |
| After an automatic cancellation | The 10% penalty applies, the down payment is forfeited, and any remainder returns to your Rupiah balance |
If you have already missed one payment. Top up your Rupiah balance as soon as possible so the next debit can go through, and check View Schedule in the Installment menu to see which months are paid. Keeping at least the combined monthly amount of all your instalments in the balance before the 25th is the simplest safeguard.
Related questions:
Q: Is there a late fee on a Pluang gold instalment?
No. Gold instalments have no late fee and no admin fee. A missed payment still matters, though: that month stays unpaid, and if the next month's auto-debit on the 25th also fails, the plan is cancelled automatically with a 10% penalty and a forfeited down payment. So the real cost of paying late is not a fine but the risk of losing the plan after 2 consecutive misses.
Q: How do I stop my gold instalment from being cancelled automatically?
Keep enough in your Rupiah balance before the 25th of every month to cover all your instalments. You can also pay the current month's bill yourself, any time from the 1st of the month at 07:00 WIB, by going to View Schedule and tapping Pay Now in the Installment menu. Paying early settles that month, so you do not rely on the balance still being there on the 25th.
Q: I topped up after the 25th. Is my gold instalment safe?
Topping up keeps your Rupiah balance ready for the next debit, which is what matters. The plan is only cancelled automatically when 2 consecutive instalments go unpaid, so check View Schedule in the Installment menu to see which months are paid and when the next one is due. If the schedule does not look right or you are unsure where the plan stands, contact Pluang Care.
Q: Can I restore a gold instalment that was cancelled automatically?
No. Once a cancellation has been processed it cannot be reversed. If you want to keep buying gold on instalment, create a new one: it starts with a new 8% down payment and locks the buy price at the moment you create it, which may differ from your old price. The guide “How to Buy Gold on Instalment (Cicilan Emas) on Pluang” walks through the steps.