You can afford more.
Pay by your card for all your shopping and repay in convenient installments.
For any purchase above PLN 100
Repayment in installments (up to 60)
Self-service, without contacting advisor
Online process
Quick steps – only 3 clicks
No credit decision required
Everyday payments or shopping to make yourself feel better? For all those things, you may pay by your credit card and convert the amount spent into installments – on your own. The Effective Annual Percentage Rate: 10.47%
With this service, you don’t have to check whether or not a shop offers an installment plan. It is up to you which payments you want to repay in installments, for example.
Luxury goods
Home applicances
Concert tickets
This solution can be useful when you happen to spend more in a given month and don’t want to or cannot repay the entire balance at once. You may select transactions you want to convert into installments and repay the remaining balance in full without interest.
Pay for any shopping or services with your Citi Handlowy credit card.
You may convert every transaction paid by your card for at least PLN 100 into installments:
- in Citibank Online after the transaction is recorded (on the transaction list, there will be the option next to a transaction: Convert to installments); or
- via a text message you will receive from the bank immediately after the transaction is complete.
You select the number of installments – between 6 and 60.
You may convert any number of transactions (up to your card limit).
The installment will be included in the required minimum payment amount on your credit card statement. You only need to pay the minimum amount or the entire debt balance by the due date, as shown on the statement.
Your available credit limit will be decreased by the amount converted into installments. The limit will be renewed with every repayment made.
Installments do not limit the possibility to enjoy the interest-free period on your card.
At any time, you may change the number of installments or repay the entire amount earlier.
Interest is calculated on the declining balance of the outstanding principal amount.
The bank charges no fees or commissions for conversion of transactions to installments.
Transaction (example)
How to use it?
In Citibank Online as soon as a transaction is billed
Make a purchase with your card
Log in to Citibank Online
From the list of your credit card transactions or in the Your Profile/Installment Products section, choose the payment that you want to convert into installments
Select the number of installments and confirm
Immediately after the transaction, by clicking on the link in the text message received from Citi Handlowy
Make a purchase with your card
Click on the link in the SMS received from Citi Handlowy immediately after making the transaction
Enter the number of installments and confirm
In Citi Mobile as soon as a transaction is billed
Make a purchase with your card
Log in to Citi Mobile
From the list of your credit card transactions choose the payment that you want to convert into installments
Select the number of installments and confirm
Documents
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