The instalments from this Program are billed to the Citi Credit Card (CC)/Citibank Ready Credit (RC) account monthly similar to a normal retail purchase. If you pay of had paid less than the total amount due indicated on your credit card current or previous monthly statements of account on or before the payment due date OR did not pay the full minimum payment amount within 30 days from the relevant payment due date indicated on the Citi Ready Credit account, the instalments will be subject to the usual finance charges (fees or APR interest). Please note that this Program will take more then the scheduled term to pay off in full if only minimum amount due is paid on your CC and less than minimum amount is paid on your RC.