topic Re: A Citi Flex Pay plan activation satisfied my payment due? in Credit Cards

A Citi Flex Pay plan activation satisfied my payment due?

DeeBee78 — Wed, 24 Jun 2026 23:23:46 GMT

This is my first time doing one of these and I'm trying to figure out what happened here... My Citi statement closed on 6/16 with a $1,242 balance. Before the statement closed, I had a pending $1,950 charge from Costco.com that finally posted on 6/18 and I turned this into a Citi Flexpay plan (you get three months no interest and no fee on Costco purchases, by the way). That seems to have been credited back to my account then re-charged as a Flex Pay plan.

Now when I go to make a payment, it says that my minimum payment due is $0.00 and my adjusted new balance + Flex Pay monthly payment is also $0.

If I try to make any payment amount at all, it tells me that I will make a partial or full prepayment on my Flex Pay balance. I stil have a statement balance I want to pay, but not if it's going to affect my Flex Pay purchase!

So it looks like creating a Flex Pay plan can satisfy a payment due via the way it credits and is re-charged as a separate purchase. I just wonder what my next statment is going to look like because it's not like I don't owe that $1242... I'm guessing the minimum due will be the 1/3 Flex Pay and that amount.

Re: A Citi Flex Pay plan activation satisfied my payment due?

FicoMike0 — Wed, 24 Jun 2026 23:33:01 GMT

Wow, that's confusing.

I'll bet if you don't pay the $1242 before the due date, you'll be charged interest.

Any idea what the statement said on 6/17?

Re: A Citi Flex Pay plan activation satisfied my payment due?

Namaste7 — Mon, 29 Jun 2026 23:14:02 GMT

Enabling Flex Pay will result in a credit of the original purchase...moving from the original APR terms and reprocessed on the Flex Pay terms.

If Citi doesn’t adjust the current cycle for the 1/3 Flex Pay amount, you’ll see it in the next cycle. You can always call and verify that the current cycle $0 payment is what they intend.

IIRC, I had something similiar and the flex plan started the following bill cycle.

Re: A Citi Flex Pay plan activation satisfied my payment due?

ptatohed — Tue, 30 Jun 2026 09:55:28 GMT

While 0% interest can be alluring, I never, ever mess with that "pay over time" stuff. I PIF, no matter what when it comes to credit cards. Yes, I'll do the 0% interest for big purchases like furniture, or even tires, but, yeah, when it comes to credit cards, PIF.