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A Citi Flex Pay plan activation satisfied my payment due?

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DeeBee78
Valued Contributor

A Citi Flex Pay plan activation satisfied my payment due?

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. 

Screenshot 2026-06-24 at 3.52.52 PM.png

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. 

Screenshot 2026-06-24 at 4.12.44 PM.png

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! Smiley Frustrated

Screenshot 2026-06-24 at 3.58.59 PM.png

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.

 

 




Message 1 of 4
3 REPLIES 3
FicoMike0
Senior Contributor

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

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?

 

Message 2 of 4
Namaste7
Established Contributor

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

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.

Message 3 of 4
ptatohed
Senior Contributor

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

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.  

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