CITI PAYLITE

Additional information

• The most important features of the product

  • 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);
    - in Citi Mobile application, 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 (56 days for cashless transactions).
  • 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.

• Representative example

• Legal informations

  EIR stands for Effective Interest Rate. Fees and commissions are charged in accordance with the Table of Fees and Commissions available on the website. Credit Card Regulations and the Table of Fees and Commissions for Citibank Credit Cards are available on the bank's website in the Documents section. The granting of a loan depends on the assessment of creditworthiness by Bank Handlowy w Warszawie S.A.

  Bank Handlowy w Warszawie S.A. Citi Handlowy, Citibank and the Citi logo are registered trademarks of entities from the Citigroup Inc. group. This advertising material has been issued for informational purposes only and does not constitute an offer within the meaning of Art. 66 of the Civil Code.