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| Home>Credit Cards>Individual Payment Program |
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| If you plan to purchase something valued at more than CZK 2,000, you needn't consider a classic loan. You may pay with your Citi credit card. Depending on your financial situation, you can then opt for the Individual Payment Program and pay for your purchase in regular monthly installments at a reduced interest rate as low as 9.9% p.a. |
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a lower interest rate than the normal one for your credit card |
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you control the amount of regular payment installments |
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you choose the repayment period that suits you best |
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you can set up the service easily over the phone |
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minimum purchase amount of CZK 2,000 |
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| How to use the Individual Payment Program |
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| As an example, you can repay a purchase valued at CZK 10 000 at CZK 460 per month (interest rate 9.9%, APR 10.4%, repayment period 24 months). |
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| Individual Payment Program Terms and Conditions |
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- Annual interest rate as low as 9.9%
- Annual percentage rate as low as 10.4%
- No maintenance fees
- Only for individual transactions valued at over CZK 2,000
- Individual transactions cannot be combined to reach the amount of CZK 2,000
- Cannot be used for cash withdrawals
- For numerous transactions valued at more than CZK 2,000, you may arrange several Individual Payment Programs simultaneously
- Contractual penalty for early repayment under the current pricelist
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| How to apply for the Individual Payment Program |
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| You may buy whatever you like or whatever you have been planning. |
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| Three days after the purchase, you may call the CitiPhone customer line at 233 062 222 and arrange the Individual Payment Program. |
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Or simply wait for your statement. Then you can see yourself which repayment method suits you best. Decide no later than the due date on the statement. You may choose to repay within 12, 18, or 24 months.
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In addition to your normal transactions, you will see Individual Payment Program payments in your statement every month.
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Click on  to expand and on  to minimise the details. |
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| How much will I pay in total? |
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| Example: |
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| Amount of Individual Payment Program |
CZK 12,000 |
CZK 12,000 |
CZK 12,000 |
CZK 12,000 |
| Repayment period |
24 months |
24 months |
24 months |
24 months |
| Monthly installment |
CZK 553 |
CZK 587 |
CZK 605 |
CZK 622 |
| Annual interest rate |
9.9% |
15.9% |
18.9% |
21.9% |
| Fee |
CZK 0 |
CZK 0 |
CZK 0 |
CZK 0 |
| The total amount to be paid |
CZK 13,200 |
CZK 14,088 |
CZK 14,520 |
CZK 14,928 |
| APR |
10.4% |
17.1% |
20.6% |
24.2% |
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