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.

Nowe trendy

Luxury goods

Domowe potrzeby

Home applicances

Bilety na koncerty

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.

  • Variable interest at 10% per annum.
  • 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)
    Ikona bezpieczeństwo

How to use it?


In Citi Mobile as soon as a transaction is billed

Step 1) Make a purchase with your card
Step 2) Log in to Citi Mobile
Step 3) From the list of your credit card transactions choose the payment that you want to convert into installments
Step 4) Select the number of installments and confirm

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In Citibank Online as soon as a transaction is billed

Step 1) Make a purchase with your card
Step 2) Log in to Citibank Online
Step 3) 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
Step 4) Select the number of installments and confirm

Immediately after the transaction, by clicking on the link in the text message received from Citi Handlowy

Step 1) Make a purchase with your card
Step 2) Click on the link in the SMS received from Citi Handlowy immediately after making the transaction
Step 3) Enter the number of installments and confirm

Documents

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