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Yes, you are. Monthly payment under "Equal Payments Plan!" is added to the outstanding balance. If this amount is paid on time and in full, you will be granted Grace Period on regular operations. At the same time, the "Equal Payments Plan!" operation is paid in a regular manner, in equal installments, including charged interest.

The grace period is a period of time following the close of the billing cycle in which no interest is charged. The grace period of most credit cards normally applies only to billing cycles where the opening balance is $0. That is, you must pay off your credit card balance in full the previous month in order to be eligible for the grace period.

There is no grace period for a Federal Consolidation Loan if you are already in the repayment period of the loans you are consolidating. However, if you apply for this loan while you are in the grace period of the loans you are consolidating, we will delay processing your application until it's closer to the end of your grace period. This delay will preserve as much of your grace period as possible.

There is a grace period of one day on late items. Or, in other words, your late fines will begin accruing two days past their due date. Charges are accrued only on "open" business days.

If your loan is more than $3,000, you can defer paying the principal of the loan for up to 7 years after the loan is disbursed or until 6 months following graduation, whichever comes first.

Grace Period is available to all cardholders - both existing and new customers of Citibank (excluding Instant Credit Cards holders).