Lenders are billed in arrears for advertising received with their Premier Agent. Should a lender's card decline, there is a 14-day grace period where Zillow will attempt to collect this invoiced amount. If Zillow is unable to collect on the past due balance after the 14-day grace period the Co-Marketing connection will be cancelled. Upon cancellation, the lender will be billed a final prorated amount for the advertisement received during the 14-day grace period. The lender's entire past due balance will then be transferred over to the agent.