 |
|
|
| |
Home : Private Label Credit Card : Financing Programs |
|
| |
Private Label Credit Card
|
|
| |
FINANCING PROGRAMS
We know that customers have varying needs when it comes to financing. To meet these needs, Citi Retail Services provides a full range of flexible retail financing programs including regular revolving charge, popular no interest/no payments, and "same as cash" programs. We also offer reduced rates and other special terms when necessary. We facilitate the approval process so more of your customers can purchase the big ticket items they want when they want them. All of our programs are competitively priced and easy to manage. Additional details are provided below.
|
|
|
|
|
| |
Regular Revolving
Purchases accrue finance charges immediately and require payments each month.
|
|
|
|
|
| |
No Pay
No payments are due during the No Pay promotional period. Finance charges accrue from the date of purchase.
|
|
|
|
|
| |
No Interest
No finance charges accrue on the purchase until the expiration of the No Interest promotional period. Minimum payments are due each month.
|
|
|
|
|
| |
No Interest/No Payment
No payments are due and no finance charges accrue on the purchase until after the expiration of the No Interest/No Payment promotional period.
|
|
| |
Back to Top |
 |
|
|
|
| |
Same As Cash
Finance charges accrue on the purchase from the date of purchase and minimum payments will be due each month. If the sales price is paid in full by the Same As Cash promotion expiration date, no finance charges will be owed on the purchase. Otherwise, all accrued finance charges will be owed.
|
|
|
|
|
| |
No Pay/Same as Cash
Finance charges accrue on the purchase from the date of purchase, but no payments will be due prior to the Same As Cash promotion expiration date. If the sales price is paid in full by the Same As Cash promotion expiration date, no finance charges will be owed on the purchase. Otherwise, all accrued finance charges will be owed.
|
|
|
|
|
| |
Free Financing
The amount financed is divided by the number of months in the Free Financing promotional period to determine equal monthly payments to be made during the Free Financing period. Finance charges will not be charged on the amount financed if the account is paid as agreed.
|
|
|
|
|
| |
Reduced Rate
A reduced rate finance charge will be applied to the purchase balance until the expiration of the Reduced Rate period, after which the standard APR will apply.
|
|
| |
Back to Top |
|
|
|
|
| |
|
|
