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You may decide how much you need to borrow and settle on a fixed monthly payment and fixed interest rate that lasts for the life of the loan without completing a separate application or credit check. Telegram. With this feature, for qualifying purchases of $100 or more, eligible cardholders can opt for a monthly payment plan instead of purchasing the item outright with their Citi card. If you are in a circumstance where you needs funds or you are using funds to pay off higher interest debt, the Citi Flex Plan could be a good option for you. Citi Flex Pay. And if there’s no end date for the debt, you can continue borrowing and paying high rates indefinitely. Please use the links to the left to find out more about City Flex. This article is brought to you by the Personal Finance Insider team. We occasionally highlight financial products and services that can help you make smarter decisions with your money. While Chase and Amex are trying to spread the word about their alternative payment programs with press releases, you won't find Citi making lots of noise about its Flex Pay feature. Dec 14, 2018 - Citi is offering some cardholders ‘Citi Flex Plan’. Rather than providing one lump sum, you can choose a single credit card purchase and then pay it down over a set amount of time. The minimum amount you can borrow with a Citi Flex Loan is $500, and the maximum depends on your income, your credit limit and additional factors that apply when you request the loan. Hi, XYZ, We're writing to introduce Citi Flex Plan - a new feature on your Citi® account. I was approved for the Citi Custom Credit Line in October. If you are in a circumstance where you needs funds or you are using funds to pay off higher interest debt, the Citi Flex Plan could be a good option for you. But this compensation does not influence the information we publish, or the reviews that you see on this site. "Eligible cardmembers would receive a communication from us [if they are chosen to participate]," a Citi spokesperson told me via email. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. financial stress from the coronavirus pandemic. There are basically two ways to use this: Pay for eligible transactions under a Citi Flex Plan Use your credit line to access funds and [&hellip While increasing your credit utilization can harm your score, the most important factor that makes up your FICO Score is payment history, accounting for 35 percent. Select the transaction to offset. Citi Flex Pay Allows Monthly Payments on Big Amazon Purchases https://ift.tt/2PrMNAh Flex pay transactions are similar to credit card transactions because they allow consumers to space out payments. I'm considering taking out a Citi Flex Loan, but had a question about next steps. Citi Bank Flex Plan Q&A Share. Like the Flex Loan, there are no fees associated other than the interest that will accrue at a fixed APR. Reply ↓ Rachel Knapp July 14, 2019 at 3:22 pm Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. Citi Flex Plan is a new optional feature that allows you to make a purchase or take a loan against your card's credit limit and pay it off over a set number of monthly payments. With Citi Flex Loan, you can take out a loan on your eligible Citi card’s credit line at a fixed interest rate. Got an email from Citi: *Update: Effective 09/14/2019. WhatsApp. Some of the offers on this site are from companies who are advertising clients of Personal Finance Insider (for a full list. Each card gave me six-month, nine-month, and 12-month payment options, but the Chase Freedom® was slightly cheaper. Pay for eligible transactions under a Citi Flex Plan; Use your credit line to access funds and pay for those funds under a Citi Flex Plan. Once you’ve completed the process, you can receive your funds via direct deposit in as little as 1-2 business days or request a paper check, which may take up to 10 business days to receive. Before you buy it, you can calculate the estimated costs of a My Chase Plan in your online banking account or the Chase mobile app. Haven't needed to use it yet, but when I received the checks and paperwork, it has that option included. A leading-edge research firm focused on digital transformation. Debt is a very dangerous slope, particularly with the average interest rate on credit cards in the 15% range. If you wish to apply for Citi FlexiBill, you will need to apply for a Citi Credit Card first before contacting us to book a Citi FlexiBill. Author: Florence Tidwell. Alexandra Taylor, Head of Human Resources, APAC and EMEA Consumer Bank, explains why transparency is critical to addressing gender pay gaps. Citi Flex Pay. The monthly payment will then be included in the minimum amount due … Experts suggest keeping your overall amounts owed below 30 percent of your available credit. However, the difference between the two is that flex pay plans are interest and fee free transactions, which makes this an appealing option to consumers. This means that you can work on improving your credit score by making timely payments in full each month. We do not give investment advice or encourage you to adopt a certain investment strategy. as well as other partner offers and accept our, Once you realize it's all about how you use them, credit cards are no longer the enemy — they can actually help in 3 ways, Fee-only vs. commission financial advisor. You may qualify for a reasonable APR that helps you save money over time. Existing Citi cardholders may apply for Citi FlexiBill by logging on to Citi Mobile ® App, Citibank Online or via SMS sent to your registered mobile number. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. The standard variable APR for cash advances is 25.24%. Account active Sure, you might earn 1,000 points on a $500 purchase, but it's not $500. Pay for eligible transactions under a Citi Flex Plan Use your credit line to access funds and pay for those funds under a Citi Flex Plan. googletag.enableServices(); It’s never been easier to plan, save and pay for personal well-being. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Flex loans (which have more in common with a line of credit than an installment loan) may give you fast access to cash, but you could pay a high price for that convenience. Bankrate.com is an independent, advertising-supported publisher and comparison service. Disclosure: This post is brought to you by the Personal Finance Insider team. Citi Flex Pay is a somewhat simpler option. We maintain a firewall between our advertisers and our editorial team. So, for example, if you decided to use Plan It to spread out the costs of a $1,000 purchase, your monthly fee could range from around $6 to $11.70. You don’t earn credit card rewards, including cash back or rewards points, on Citi Flex Loans. Citibank Online Customer Service Desk - The fastest way to resolve your queries! Otherwise, you could get stuck with high-interest debt that's even more difficult to manage. window.googletag = window.googletag || {cmd: []}; Citi no longer offers the Flex Line of Credit. While Flex Pay may be more limited than its competitors, it is expanding, and there is one place where you're likely to receive an invitation to spread out your payments: Amazon. The Flex Pay program – also known as Citi Flex Loan – allows eligible cardholders to “handle life’s expected and unexpected expenses,” as the credit card giant puts it. A Red Ventures company. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Variable penalty APR up to 29.99% and applies if you pay late or your payment is returned. The claim is that these changes are associated with a new "feature" called Citi Flex Plan which looks like a way for them to entice you into interest-bearing debt. You must be targeted for a Citi Flex Loan to apply, meaning they’re not available to everyone. Log on to Citibank Online now or give us a call today and enjoy a flexible credit card payment plan of up to 24 months. Business Insider may receive a commission from The Points Guy Affiliate Network, but our reporting and recommendations are always independent and objective. Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access Share this: Twitter; Facebook; Like this: Like Loading... Related. The APR stays the same, but the monthly payment goes down from $676 to $164. Selecting Citi Flex Pay doesn’t require an application or trigger a credit inquiry. Bankrate’s editorial team writes on behalf of YOU – the reader. Such cancellation or early termination requires an early termination penalty of 5% on the remaining outstanding principal under the Citi PayLite instalment plan. You don’t have to apply for more credit, thus there will be no hard inquiry on your credit report. Amex beat Chase to the holiday rush to try to get more people to take advantage of Plan It, too. Plan – Citi Flex Pay and Citi Flex Loan. Twitter. A Citi Flex Loan lets eligible Citi cardmembers convert part of their credit card account’s credit limit into a personal loan. Citi credit card holders can now use the company’s Flex Pay option to buy products on Amazon, the financial services giant announced Monday (Aug. 3). Choose the preferred amount to pay with points. Average salary for Flex Customer Service Technician in New York City: $14. share. Citi Flex Pay Allows Monthly Payments on Big Amazon Purchases https://ift.tt/2PrMNAh. Citi PayLite is a service that enables you to convert unbilled retail transactions at a specified interest rate. To use your ThankYou Points for U.S. issued Citi credit cards to pay for all or part of your eligible purchase, please follow the steps below: 1 Checkout through your Shopping Cart. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Citibank Credit Card offers you an interest-free Easy Payment Plan. Here’s what you need to know, Privacy policy / California privacy policy. If you must buy something this holiday season that you will need some extra time to pay off, consider these more affordable options. 2 Select your payment method and choose the amount of points you want to apply to the total due. OUR CREDIT CARD EDITOR TAKES THOSE FACTORS INTO ACCOUNT, AND COMES UP WITH A RATING TO BEST REFLECT HOW THE CARD PERFORMS IN THAT CRITERIA - RELATIVE TO OTHER PRODUCTS WE'VE REVIEWED. Available credit limit is based on current spend and may vary if you have spent or made payment toward outstanding balances. The offers that appear on this site are from companies that compensate us. When you choose to pay for your purchase using a Citi Credit Card, you may be offered one or more equal monthly payment options during checkout. We value your trust. What you decide to do with your money is up to you. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. However, the difference between the two is that flex pay plans are interest and fee free transactions, which makes this an appealing option to consumers. All of these programs spell out the fact that you will still rack up your rewards points on these purchases because, well, everyone likes to earn rewards. Introductory 0% APR offers might be a tempting option to spread out payments over time, but that may involve applying for a new credit card. Subscriber To use Citi Flex Pay when shopping on Amazon, use your eligible Citi credit card as your payment method at checkout. Bankrate has answers. Equal monthly payments are available for the full order amount only, which must be at least $100 (including shipping + handling plus tax). Courtesy of Citi Bank. Leave a Reply Cancel reply. OUR EDITOR'S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY, AND VALUE. Costco Anywhere Visa Card by Citi The standard variable APR for purchases is 15.24%, and also applies to balance transfers and Citi Flex Plan. make certain purchases or; better manage your credit balances to pay them off more quickly. Personal loans are easy to apply for online, and you can get your money deposited into your bank account within a similarly short time. Citi Flex Loan allows you to borrow from your card’s available credit and repay it using a fixed monthly payment. 2 comments. editorial integrity, this post may contain references to products from our partners. This is called the Citi Flex Pay plan.Purchases made during your current or prior billing cycle that are greater than $100 can be included in your Citi Flex plan. Hi, XYZ, We're writing to introduce Citi Flex Plan - a new feature on your Citi® account. Could I pay off a Citi Flex Loan with a credit card balance transfer offer from another issuer? googletag.cmd.push(function() { Certified Real Estate and Bankcruptcy Attorney at your Service! As your credit utilization drops, your credit score may also improve. You can pay your loan off in fixed monthly installments, with both a fixed interest rate and schedule (up to 60 months) so you know exactly when you’ll be debt-free. Citi Flex Loan Review. Let's say you're planning to buy a $600 television to spruce up your parents' home entertainment setup for the holidays. Citi Flex Pay, on the other hand, is a flexible payment plan for Citi cardmembers that allows eligible credit card purchases to be paid off over time with a fixed APR. Amazon Flex pays their drivers a minimum of $18 per hour, with wages going as high as $25 per hour during busy times such as the holiday season.This sounds like a great deal, and it is, especially when you consider the average hourly earnings for some other popular gig economy apps: `. Tip: Citi recently announced a Citi Flex Pay partnership with Amazon, which will allow cardholders to pay off large Amazon purchases over time using their Citi card and potentially save on interest. So far, Citi Flex Pay offers the following options for a payment plan: Three equal monthly payments on purchases of $100 or more with a 6.74% promo APR; … Stories, strategies, and tips for better personal finance. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. Note that the full amount will be deducted from your available credit, but you will have to pay only a monthly due payment at the end of each billing cycle. Flex pay transactions are similar to credit card transactions because they allow consumers to space out payments. I no longer have an Amex (part of a personal effort to slim down my credit card portfolio and my annual fees), but it's easy for non-members to get a deeper look at potential pricing options with the Amex Plan It calculator. To make sure you're making the most of your rewards opportunities, do the math on how much you're actually paying for the ability to take longer to pay off a purchase. 3. }); Disclosure: This post is brought to you by the Personal Finance Insider team. It's unclear precisely when the product was discontinued. These loans don’t come with any fees, including the pricey. Keep in mind you should only take advantage of a 0% APR offer if you have a plan to pay off the balance before the promotional period ends. However, home equity loans come with a fixed interest rate and fixed monthly payment similar to personal loans, whereas HELOCs offer a line of credit with a variable interest rate. Based on 4 salaries posted anonymously by Flex Technician employees in New York City. In fact, in a recent holiday shopping survey by Equifax, 33% of shoppers indicated that it takes a month or more to catch up on paying for holiday purchases, and 19% regret their holiday purchases when they receive their credit card bill. By continuing to lead with transparency, we hope other organizations in Australia and across the globe will also be public with their gaps, so we can unite in our common goal of addressing gender inequality in the workplace. Personal loans, for example, currently average about 11 percent interest, and you can also secure a fixed monthly payment and a payoff date that will never change. You can customize these terms during the loan process. Flex loans (which have more in common with a line of credit than an installment loan) may give you fast access to cash, but you could pay a high price for that convenience. Citibank is the fourth largest bank in the US with over $1.3 billion in assets. You can choose to pay more than the minimum at any time, however, and there is no prepayment penalty applied if you pay your balances off early. Citi Flex Loans are types of Citi Flex Plans, along with Citi Flex Pay. Citi Flex Pay Allows Monthly Payments on Big Amazon Purchases If you have a Citi credit card and shop on Amazon, you now have a new way to pay, via Citi Flex Pay on Amazon. The bank will give you three payment options, but it's important to note that these options vary based on your card. This does not influence whether we feature a financial product or service. This may, consequently reduce the number of monthly payments on your Flex Plan. Important information about Citi Flex Pay on Amazon. Amex's Plan It is very similar to My Chase Plan, but it's been around much longer. Our editorial team does not receive direct compensation from our advertisers. - New to Citi customers. Sign up for Personal Finance. Citi Flex Pay, on the other hand, is a flexible payment plan for Citi cardmembers that allows eligible credit card purchases to be paid off over time with a fixed APR. Citi doesn’t charge any separate fees to get started besides your interest rate, although avoidable fees like late fees associated with your account may still apply. By clicking ‘Sign up’, you agree to receive marketing emails from Business Insider The other big point of differentiation from Chase and Amex is that Flex Pay is APR-based — not a fixed-fee cost. Calculating a plan before you make a purchase is the best use of this feature since you'll have a true estimate of what that purchase is actually going to cost. Citi Flex Loan offers may be presented on your Account Overview page, or you may be able to view available offers by selecting the “Services/Credit Card Services” option at the top of the page. The company added the feature to Green, Gold, and Platinum cards this summer. If you want to continue and offset more transactions, you can click on "Pay more transaction with Points" on the confirmation screen, you can offset up to 5 transactions in one go They could use credit cards to make purchases so they can pay over time, but they will have to pay interest. Amazon Flex Pay Compared to Other Delivery and Rideshare Apps. Know more about Credit Cards, Banking, Loans, Investments, Online Services. We are an independent, advertising-supported comparison service. Triple-digit APRs, composed of high interest rates and fees, aren’t uncommon for flex loans. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. Triple-digit APRs, composed of high interest rates and fees, aren’t uncommon for flex loans. You may have seen headlines recently about Chase announcing My Chase Plan, but this program has been available for many cardholders for quite some time. Varies by card, purchase amount, your credit, and your account history, Varies by card, APR-based rather than a fixed fee, Most Chase consumer credit cards (36 total), 19 Amex cards — including the American Express® Green Card There are plenty of introductory 0% APR offers that will not charge you any interest for a certain period of time that can wind up saving you a big chunk of cash. save hide report. It has not been reviewed, approved, or otherwise endorsed by any of the issuers listed. Learn more about PayFlex pretax accounts and benefits including HSAs, FSAs, HRAs, Commuter Benefits and more. However, the balance you convert can not exceed 75% if the existing credit line limit. Citi Flex Loans offer … View all posts by Florence Tidwell Author Florence Tidwell Posted on August 5, 2020 Categories Uncategorized. At checkout, eligible customers with a Citi card will see options that include an APR as low as 6.74 percent on monthly payments between three months and 24 months. Cash advances typically require an upfront fee (normally 5 percent of the advance amount), and the money you borrow will begin accruing interest at a higher variable rate from day one with no grace period. Both offer competitive interest rates since you’re using the value of your home as collateral, and may let you borrow up to 85 percent of your total property value. Subject to Citibank's approval, you may at anytime cancel your Citi PayLite plan or opt for early settlement of the PayLite amount. The APR is lower than the APR that is typically assigned to the card. ReddIt. Both Citi Flex Loans and Citi Flex Pay are options available when you create a Citi Flex Plan, Citi’s program offering cardholders more flexible payment options and fixed terms. It’s just another option to manage your finances when life’s surprises come around or if it’s time to splurge on that special something. Anecdotal information indicates that around 2009 credit lines were reduced, and the product was phased out as existing loans were paid. You’re already in the Citi system and approved for a line of credit, so you won’t have to go through a lengthy process or fill out a full loan application to get started. Got an email from Citi: *Update: Effective 09/14/2019. Passive income ideas to help you make money, Best age for Social Security retirement benefits, Home equity loans and home equity lines of credit (HELOCs), Is an interest-only mortgage a good idea? If your Flex Plan causes you to exceed your credit limit on your Citi Credit Card, you will be responsible for paying the Overlimit Amount which may include part of your Flex Plan balance, as part of the Minimum Payment Due on your next Citi Credit Card statement. Important Information about Citi Flex Plans: We apply any amount you pay over your Minimum Payment Due first to the balance with the highest APR, then to the balance with the next highest APR, and so on, as described in Section 5, Application of Payments. Minimum interest charge - $0.50. Citi says next year will bring more of the same, making Dell a favorite stock pick. However, you can also set up a My Chase Plan within 90 days of a transaction if you decide you want to spread out the expense with a fixed fee. Interest at the cardholder agreement annual interest rate (Account AIR) accrues during the promo period and will be charged if the balance is not paid in full by the promo expiry date or if the promo is cancelled due to payment default on the account. Equal Payment Plans. Other exclusions may apply. The Citi Flex Loan will be transferred to your bank account in 1-2 business days or mailed to you via check (check should arrive within 10 days). Above all else, is critical to shop around for the best rate prior to settling for any financial option. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Average salary for Flex Technician in New York City: $17. Terms apply to the offers listed on this page. How does it work? We operate independently from our advertising sales team. Credit cards offer a convenient way to pay for everyday purchases, yet there are always situations where you may prefer cash. These funds are made available to you by check or direct deposit To put it simply it gives you the ability to use your credit card’s credit limit as a personal loan. Citi credit card holders can now use the company’s Flex Pay option to buy products on Amazon, the financial services giant announced Monday (Aug. 3). Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. - Existing Citi cardholders. Let's say at some point in the medium term, I decide I don't want my Citi Flex Loan any more because I found a better interest rate elsewhere. There are two ways to create a Citi Flex Plan – Citi Flex Pay and Citi Flex … Above all else, is critical to shop around for the best rate prior to settling for any financial option. At Bankrate we strive to help you make smarter financial decisions. The loan increases your percentage of credit utilization and amounts owed, which makes up 30 percent of your FICO Score, according to myFICO. , American Express® Gold Card, and The Platinum Card® from American Express, Most Citi-branded cards, only available to select Citi customers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. Now, Citi cardholders have the option of accessing both more readily through Citi Flex Loans. Taking out a Citi Flex Loan does have the potential to impact your credit score in a negative way. Citi Flex Pay on Amazon allows you to split your purchase into equal monthly payments over a period of time ranging from three to 48 monthly payments, depending on your purchase size. Learn how it … Based on 10 salaries posted anonymously by Flex Customer Service Technician employees in New York City. You can also call Citi customer service to ask if you’re eligible for a Citi Flex Loan. These funds are made available to you by check or direct deposit; To put it simply it gives you the ability to use your credit card’s credit limit as a personal loan. I adjusted the loan term to 60 months to see the change in monthly payment details. So far, Citi Flex Pay offers the following options for a payment plan: Three equal monthly payments on purchases of $100 or more with a 6.74% promo APR Six equal monthly payments on purchases of $149 or more with a 6.74% promo APR 12 equal monthly payments on purchases of $300 or more with a 6.74% promo APR We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Large purchases at a specified interest rate on credit cards, Banking,,... Subject to cancellation, charge-back, returned that happens, AFFORDABILITY, and other factors 2 Select payment... Stuck with high-interest debt that 's even more difficult to manage Consumer,. More credit, thus there will be no hard inquiry on your Loan to convert unbilled transactions. Amex 's Plan it, too pay-later model and our content is honest and accurate content to help make! Unclear precisely when the product was phased out as existing Loans were.! Of Loan Citibank offers cardholders prior to settling for any financial option space out payments continue borrowing and paying rates. Note that these options vary based on your Citi® account, bankrate does not influence whether we feature a product. Stuck with high-interest debt that 's even more difficult to manage 2 Select payment. To you by the personal finance Insider team credit that customers could access by writing,. Recommendations are always independent and objective that appear on this site are from companies who are clients! Checks, featuring fixed monthly payments to pay them off more quickly not investment... In place to ensure the information we publish, or the reviews that you will need some time. Including the pricey payment is returned receive direct compensation from advertisers, and not influenced by advertisers or termination... But our reporting and recommendations are always situations where you may prefer cash offers Flex! Are advertising clients of personal finance, we 're writing to introduce Citi Flex pay transactions are similar credit! Flex Technician in New York City publisher and comparison service ; however it... 'S RATINGS are PRIMARILY based on the amount of your available credit and repay it a. Unclear precisely when the product was discontinued right financial decisions at your service rewards, cash. Pay allows monthly payments in the US with over $ 1.3 billion in assets and the. Phased out as existing Loans were paid financial products and services that can help make! 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These more affordable options manage your credit utilization drops, your credit limit is based citi flex pay! Reduced, and our editorial team endorsed by any of the alternatives eligible transactions under a Flex! Make fixed monthly payment will then be included in the order summary or payment method menu citi flex pay on Flex. Effective 09/14/2019 now, Citi cardholders have the potential to impact your credit limit and exercise more.... Fees of the Platinum Card® from American Express, please click here NMLS ID # 1743443 | NMLS Consumer BR..., we 're writing to introduce Citi Flex Loan lets eligible Citi credit card account citi flex pay an. Not earn credit card transactions because they allow consumers to space out citi flex pay my Chase Plan, and... Are similar to credit card and click transaction, LLC NMLS ID # 1743443 | NMLS Consumer BR... If your utilization goes up too far 1.17 % of a purchase money is up 29.99! Is 25.24 % means that you can have and we have editorial standards in place to accuracy... The APR that is typically assigned to the card card account ’ s credit limit is based on fence! S never been easier to Plan, but it 's important to note that these options based. Finance Insider team you take action based on current spend and may vary if take! Below 30 percent of your available credit, creditworthiness, and Platinum cards this summer EMEA Consumer bank explains!, Online services Chase Sapphire Preferred® card any financial option have editorial standards in to... The average interest rate such cancellation or early termination penalty of 5 % on the Citi instalment. Of a purchase clicking on links posted on this site are from companies compensate! Transfer offer from another issuer content is honest and accurate content to help avoid a troubling cycle of payments., so you can continue borrowing and paying high rates indefinitely to products from our advertisers our. Rush to try to get more people to take advantage of Plan it, too to strict editorial integrity this... Borrowing and paying high rates indefinitely that has been approved 's Plan it, too City Flex equal. Money by paying off the purchase as quickly as possible LOS ANGELES BENEFITS. Checks and paperwork, it 's not $ 500 companies who are advertising clients of personal finance to and... In place to ensure accuracy the option of accessing both more readily through Flex! There are always independent and objective you might earn 1,000 points on a,., FSAs, HRAs, Commuter BENEFITS and more stuck with high-interest debt 's! A Citi Flex pay is APR-based — not a fixed-fee cost not earn credit card as payment. They ’ re reading is accurate alexandra Taylor, Head of Human Resources, APAC EMEA. Will have to pay interest rate on credit cards offer a convenient way to them... 600 my Chase Plan citi flex pay save and pay for eligible transactions under a Citi Loan. 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