Whenever we accept your ask for a Citi Flex Loan

Your loan will show up being A citi that is new flex on your own next declaration being a deal published on your declaration when it comes to complete number of the mortgage. You’ll find facts about your Citi Flex Loan, together with your initial and present stability ( at the time of the declaration closing date) and required payment due each payment period (your Citi Flex Plan re re re Payment Amount), under «Citi Flex Plan details» in your statement. The Citi Flex Arrange Payment Amount that you will be expected to spend each payment duration shall show up on your declaration in your Minimum Payment Due.

The Citi Flex Arrange Payment Amount that you will be needed to spend each billing duration is roofed in your Minimum Payment Due, and it is due in the re payment deadline disclosed in your declaration. For brand new Citi Flex Plans, very first Citi Flex Arrange Payment Amount will contain major only, then from then on, the Citi Flex Arrange Payment Amount should include interest fees in the Citi Flex Plan balance for that billing period along with a portion regarding the major quantity.

No. You need to make just one minimum payment each thirty days in your account, which include your Citi Flex Arrange Payment Amount. Nevertheless, you may possibly elect to spend significantly more than the necessary minimal Payment Due, and you may make payments that are additional your bank account whenever you want.

There is absolutely no prepayment penalty to cover down a Citi Flex Plan balance early. You could spend down your Citi Flex Plan balance early whenever you want, nonetheless, re re payments built in more than the Minimum Payment Due are going to be used first to your stability in your account because of the greatest APR, then to your stability with all the next highest APR, and so forth. Because of this, to be able to spend down your Citi Flex Plan balance in complete, you need to create re re payment that covers every one of the following quantities: the Minimum Payment Due for that payment duration, the entire quantity of any charge card balances with title loans sc an APR greater than or corresponding to the APR for the Citi Flex Arrange plus the staying stability in your Citi Flex Arrange.

Yes. You can still avoid paying interest on purchases if you pay your Citi Flex Plan Payment Amount plus your statement balance (not including your Citi Flex Plan balance) in full by the payment due date shown on your statement each billing period when you have a Citi Flex Loan or Citi Flex Pay on your account. Remember that your declaration stability range from transfers of balance, when you yourself have any.

SIGNIFICANT NOTE. When your Citi Flex Arrange APR is more than the APR on another stability on the account, it is possible to nevertheless avoid paying rates of interest on acquisitions if you are paying your Citi Flex Plan Payment along with your declaration stability ( perhaps perhaps not together with your Citi Flex Arrange stability) in complete by the re re payment deadline. Nonetheless, the total amount above your Minimum Payment Due is likely to be placed on your Citi Flex Arrange stability before the other stability because of the reduced APR. Because of this, in the next payment declaration, you might note that area of the other stability nevertheless remains due, and you may need to pay that amount in your declaration stability in order to prevent repaying interest on acquisitions when you look at the billing period that is next.

Unless you first pay the Citi Flex Plan balance in full if you have a balance with a promotional APR that is lower than your Citi Flex Plan APR, such as a balance transfer, you cannot pay off that other balance. As an example, if you intend to spend off a stability transfer ahead of the stability transfer marketing duration expires, you can easily just do this in the event that you first spend your Citi Flex Plan balance in complete, then spend your stability transfer in complete, prior to the stability transfer marketing duration ends.

Important Info

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