A few questions I have about upgrading a pledge with monthly payments. The default payment period is 6 months, but you can alter the value of your monthly payment. Interestingly, the system overestimates your monthly payments such that you would overshoot your goal by a significant margin, which is a little shady IMO. If I were to pledge monthly payments toward the Lord tier from the Virtual Collector tier, I'd end up paying about $200 over what I'd pay for a direct donation to that same tier, which is nuts. If I lower my monthly payment by about $35, however, I still reach my goal in six months. Is there a reason for this? A question that came up when considering this is whether setting up monthly payments instantly grants you the pledge tier that is your goal (or if you only earn that tier when you actually reach it in dollar amount). I'm sure someone in the community has used monthly payments and can answer this. I'm curious because I would hate to set up a monthly payment only to have the price of my goal change in the middle of my payment period. All help is appreciated.