17 Ağu Whenever we accept your ask for a Citi Flex Loan
Your loan can look being a new citi flex plan in your next declaration being a deal published on the declaration when it comes to complete quantity of the mortgage. There is factual statements about your Citi Flex Loan, together with your initial and balance that is current at the time of the declaration closing date) and needed payment due each payment period (your Citi Flex Plan re re Payment Amount), under “Citi Flex Arrange details” in your statement. The Citi Flex Arrange Payment Amount that you’re needed to pay each payment duration will show up on your declaration in your Minimum Payment Due.
The Citi Flex Arrange Payment Amount that you’re necessary to spend each payment period is roofed in your Minimum Payment Due, and it is due regarding the re re payment deadline disclosed on the declaration. For brand new Citi Flex Plans, very first Citi Flex Arrange Payment Amount will contain major only, then after that, the Citi Flex Arrange Payment Amount should include interest fees from the Citi Flex Plan balance for the billing period along with a portion associated with the major quantity.
No. You need to make just one minimal payment each thirty days on your own account, which include your Citi Flex Arrange Payment Amount. But, you could elect to spend a lot more than the desired minimal Payment Due, and you will make payments that are additional your account whenever you want.
There is absolutely no prepayment penalty to cover a Citi Flex Plan off balance early. You may possibly spend down your Citi Flex Plan balance early whenever you want, nevertheless, re re re payments built in more than the Minimum Payment Due should be used first to your stability on the account because of the greatest APR, then towards the balance using the next highest APR, an such like. Because of this, so that you can spend off your Citi Flex Plan balance in complete, you have to make payment that covers most of the following quantities: the Minimum Payment Due for the payment duration, the total number of any bank card balances with an APR greater than or add up to the APR for the Citi Flex Arrange while 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. Observe that your declaration stability may include transfers of balance, when you have any.
SIGNIFICANT NOTE. In case the Citi Flex Arrange APR is more than the APR on another stability on your own account, you can nevertheless avoid paying rates of interest on acquisitions by having to pay your Citi Flex Arrange Payment as well as your declaration stability ( maybe maybe not as well as your Citi Flex Arrange stability) in complete by the re payment date that is due. Nonetheless, the quantity above your Minimum Payment Due would be put on your Citi Flex Arrange stability before the other stability with all the reduced APR. Because of this, in your following payment declaration, you could observe that area of the other stability nevertheless continues to be due, and you may need to spend that quantity in your declaration stability to prevent repaying interest on acquisitions when you look at the billing period that is next.
When you yourself have a stability by having a marketing APR that is less than your Citi Flex Arrange APR, such as for example a stability transfer, you simply can’t pay back that other balance if you don’t first spend the Citi Flex Plan balance in complete. For instance, if you need to spend down a balance transfer prior to the stability transfer marketing duration expires, it is possible to just achieve 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.
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