No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
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.














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?
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.
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.