| Credit balance 0 or less | No credit will be deducted |
| Expired for less than 60 days | No credit will be deducted |
| Expired for more than 60 days but less than 90 days | 1 credit will be deducted each day |
| Expired for more than 90 days but less than 120 days | 2 credits will be deducted each day |
| Expired for more than 120 days but less than 150 days | 4 credits will be deducted each day |
| Expired for more than 150 days but less than 180 days | 8 credits will be deducted each day |
| Expired for more than 180 days but less than 210 days | 16 credits will be deducted each day |
| Expired for more than 240 days but less than 270 days | 32 credits will be deducted each day |
| Expired for more than 270 days but less than 300 days | 64 credits will be deducted each day |
| Expired for more than 300 days but less than 330 days | 128 credits will be deducted each day |
| Expired for more than 330 days but less than 360 days | 256 credits will be deducted each day |
| Expired for more than 360 days | 512 credits will be deducted each day |
