1. Each Balance Transfer (BT) must be for at least $500. BTs from your Account to any other Citibank account are excluded, as are foreign currency BTs and BTs to offshore accounts.

 

2. Citibank will transfer the BTs specified by you, in the order nominated, in their full amounts, as determined by Citibank and your available Credit Limit. Citibank will contact you should your BT request exceed your available credit limit, in order to receive further instruction. In this event Citibank will be unable to process your request until further instructions are received.

 

3. BTs are repaid first and are treated as a Special Promotion under your Account Terms and Conditions. BTs will attract interest from the day of transfer.

 

4. Only one BT request form will be processed on any Account.

 

5. Subject to paragraph 2, Citibank reserves the right to refuse any request for a BT, for the full or part amount.

 

6. BTs will not be processed until you have activated your Account. Please allow 10 days from the date your Account is activated. Delays may occur in processing BTs, so it is vital you continue making payments on your other accounts, in accordance with those accounts' terms and conditions. Citibank will not be responsible for any overdue payments or interest incurred on any other accounts. Any remaining balance after the BT will be your responsibility.