If you don't pay off the entire balance by the end of the 24 months, or if you miss a payment, you will be charged interest retroactively from the original purchase date .
When you apply, you are actually applying for one of three versions issued by Citibank. You don't get to choose which one you receive; it's based on your credit profile: best buy phone credit card
With a regular APR often exceeding 30% , this can add hundreds of dollars to your bill overnight if you are even one day late on that final payment. 4. Choosing Between Rewards and Financing If you don't pay off the entire balance