For purposes of a statute or rule which provides that a fee is to be charged from the date of eligibility until the date payment for the credit is received or until date of redeposit, payment may be considered received or redeposited when a member makes the first installment payment. If the installment payments are refunded and if the same credit is purchased at a later time, the member may no longer claim the first payment date as the date on which payment for the credit is received for the purpose of calculating the fees due.