Your loan will show up being a brand new citi flex arrange on the next declaration as being a deal published in your declaration for the complete quantity of the mortgage. There is information about your Citi Flex Loan, together with your initial and present balance ( 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 declaration. The Citi Flex Arrange Payment Amount that you will be necessary to spend each billing duration will show up on your declaration in the Minimum Payment Due.
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The Citi Flex Arrange Payment Amount that you’re necessary to spend each billing duration is roofed in your Minimum Payment Due, and it is due regarding the payment deadline disclosed in your declaration. For brand new Citi Flex Plans, very first Citi Flex Arrange Payment Amount will include major only, then from then on, the Citi Flex Arrange Payment Amount includes interest costs in the Citi Flex Plan balance for the billing period and also a portion regarding the major quantity.
No. You need to make only 1 payment that is minimum thirty days on the account, which include your Citi Flex Arrange Payment Amount. Nevertheless, you could elect to spend significantly more than the mandatory minimal Payment Due, and you may make payments that are additional your bank account whenever you want.
There isn’t any prepayment penalty to cover down a Citi Flex Plan balance early. You might pay your Citi Flex Plan off balance early whenever you want, but, re re payments built in more than the Minimum Payment Due is likely to be used first into the stability on the account using the greatest APR, then towards the 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 full, you have to create a re re payment that covers all the following quantities: the Minimum Payment Due for the payment duration, the entire level of any charge card balances with an APR greater than or corresponding to the APR for the Citi Flex Arrange additionally the staying stability on your own Citi Flex Arrange.
Yes. When you’ve got a Citi Flex Loan or Citi Flex Pay in your account, you’ll nevertheless avoid paying rates of interest on acquisitions in the event that you spend your Citi Flex Arrange Payment Amount along with your declaration balance (perhaps not together with your Citi Flex Arrange stability) in complete by the repayment deadline shown on the statement each payment duration. Observe that your declaration stability range from transfers of balance, when you have any.
ESSENTIAL NOTE. In case the Citi Flex Plan APR is more than the APR on another stability on the account, you’ll nevertheless avoid paying rates of interest on acquisitions by paying your Citi Flex Arrange Payment along with your declaration stability ( maybe perhaps not as well as your Citi Flex Arrange balance) in complete by the re payment date that is due. But, the total amount above your Minimum Payment Due may be put on your Citi Flex Arrange stability before the other stability utilizing the reduced APR. Because of this, in your following payment declaration, you might observe that area of the other stability nevertheless continues to be due, and you’ll need certainly to spend that quantity in your statement stability to prevent repaying interest on acquisitions within the next billing duration.
When you have a balance by having a promotional APR this is certainly less than your Citi Flex Plan APR, such as for instance a stability transfer, you can not pay off that other balance if you do not first pay the Citi Flex Plan balance in complete. For instance, if you need to spend off a stability transfer ahead of 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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