{"id":20679,"date":"2022-10-16T15:26:27","date_gmt":"2022-10-16T14:26:27","guid":{"rendered":"https:\/\/businessfinancenews.com\/?p=20679"},"modified":"2023-08-23T13:33:51","modified_gmt":"2023-08-23T12:33:51","slug":"offer-04-promotional-apr-ended","status":"publish","type":"post","link":"https:\/\/businessfinancenews.com\/charges\/offer-04-promotional-apr-ended\/","title":{"rendered":"OFFER 04 PROMOTIONAL APR ENDED"},"content":{"rendered":"\n

OFFER 04 PROMOTIONAL APR ENDED<\/h2>\n\n\n\n

The statement OFFER 04 PROMOTIONAL APR ENDED is a credit to CITI cardholders representing a line item in their report wherein the entry OFFER 04 MOVED TO STANDARD PURCH<\/a> charge is compensated. <\/p>\n\n\n\n

Offer 04 is the offer of a 0% balance transfer, normally with CITI cardholders. It is a promotion for customers that have operated for at least six months with CITI. Those who are new customers may obtain the same benefits but the line item says INTR for “introductory” (this changed in October 2022 and apparently all promotions are the same line item, without INTR code)<\/p>\n\n\n\n

This promotion is, as stated above, of 0% APR (Annualized Percentage Rate, as you know), otherwise, the code would be Offer 15, or Offer 05, depending on the promotion.<\/p>\n\n\n\n

With a promotional APR,\u00a0such as this one, the unpaid balance does not begin accruing interest until the promotional period ends. It does not accrue interest because the OFFER 04 code is actually a 0% rate.<\/p>\n\n\n\n

A credit card’s promotional rate, or promo rate, is a low-interest rate offered on your credit card balance for a certain period of time. The promotional rate is often an\u00a0introductory (code INTR) interest rate\u00a0only offered during the first few months after you open the credit card account. Occasionally, some credit card issuers, such as CITI and AMEX offer promotional rates to existing credit card users. <\/p>\n\n\n\n

After the 0% promotional APR ends, you can decide if you keep the card or not. <\/p>\n\n\n\n

How To Calculate Interest After Promotional Period<\/strong><\/h2>\n\n\n\n

If you still have unpaid balances after the entry OFFER 04 PROMOTIONAL APR ENDED, those will be charged at the normal APR. To know how to calculate the interest rate after the promotional period ends, go here<\/a>. <\/p>\n\n\n\n

To do this, you need to know your standard APR, which appears on the statements. <\/p>\n","protected":false},"excerpt":{"rendered":"

OFFER 04 PROMOTIONAL APR ENDED The statement OFFER 04 PROMOTIONAL APR ENDED is a credit to CITI cardholders representing a line item in their report wherein the entry OFFER 04 MOVED TO STANDARD PURCH charge is compensated. Offer 04 is the offer of a 0% balance transfer, normally with CITI cardholders. It is a promotion … Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[91],"tags":[],"yoast_head":"\nOFFER 04 PROMOTIONAL APR ENDED - Business Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessfinancenews.com\/charges\/offer-04-promotional-apr-ended\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"OFFER 04 PROMOTIONAL APR ENDED - Business Finance\" \/>\n<meta property=\"og:description\" content=\"OFFER 04 PROMOTIONAL APR ENDED The statement OFFER 04 PROMOTIONAL APR ENDED is a credit to CITI cardholders representing a line item in their report wherein the entry OFFER 04 MOVED TO STANDARD PURCH charge is compensated. Offer 04 is the offer of a 0% balance transfer, normally with CITI cardholders. It is a promotion ... 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The majority of them coming from <a href=\"https:\/\/businessfinancenews.com\/charges\/fidelity-brokerage-services-llc\/\">Fidelity<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/fid-bkg-svc-llc\/\">FID BKG SVC LLC<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/dda-closure-payment-history-meaning\/\">DDA CLOSURE PAYMENT HISTORY Meaning<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/888-802-3080\/\">PRIME VIDEO 888-802-3080 WA Charge<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/online-payment-west-des-moin\/\">ONLINE PAYMENT WEST DES MOIN<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/adj-redist-purchase-bal\/\">ADJ REDIST PURCHASE BAL<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/interest-charged-to-standard-purch\/\">INTEREST CHARGED TO STANDARD PURCH<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/offer-04-promotional-apr-ended\/\">OFFER 04 PROMOTIONAL APR ENDED<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/k1xl-amex\/\">K1xl AMEX<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/credit-cards\/american-express-internal-transaction\/\">AMERICAN EXPRESS INTERNAL TRANSACTION<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/dr-adj-redist-cadv-prin\/\">DR ADJ REDIST CADV PRIN<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/capital-one-ref-no-10016-8040\/\">CAPITAL ONE Ref N\u00b0 10016.8040<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/pymtmonyhold\/\">PYMTMONYHOLD<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/offer-04-moved-to-standard-purch\/\">OFFER 04 MOVED TO STANDARD PURCH<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/centcredserv\/\">CENTCREDSERV<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/syncb-national-credit-cards-airlines\/\">NATIONAL CREDIT CARDS AIRLINES<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/natl-fin-svc-llc\/\">NATL FIN SVC LLC<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/disp-invg-comp-rpt-by-grntr-meaning\/\">DISP INVG COMP RPT BY GRNTR<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/low-level-of-authentication-indicative-of-id-fraud\/\">LOW LEVEL OF AUTHENTICATION INDICATIVE OF ID FRAUD<\/a>.","parent":0,"count":20,"filter":"raw","cat_ID":91,"category_count":20,"category_description":"<h1>What Are Those Charges?<\/h1>\r\nWe explain first of all, <a href=\"https:\/\/businessfinancenews.com\/charges\/how-to-calculate-interest-after-promotional-period\/\">how to calculate interest after the promotional period<\/a>, after a debate between readers in the comments section.\r\n\r\nWe have analyzed the most common charges that our readers are receiving. The majority of them coming from <a href=\"https:\/\/businessfinancenews.com\/charges\/fidelity-brokerage-services-llc\/\">Fidelity<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/fid-bkg-svc-llc\/\">FID BKG SVC LLC<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/dda-closure-payment-history-meaning\/\">DDA CLOSURE PAYMENT HISTORY Meaning<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/888-802-3080\/\">PRIME VIDEO 888-802-3080 WA Charge<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/online-payment-west-des-moin\/\">ONLINE PAYMENT WEST DES MOIN<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/adj-redist-purchase-bal\/\">ADJ REDIST PURCHASE BAL<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/interest-charged-to-standard-purch\/\">INTEREST CHARGED TO STANDARD PURCH<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/offer-04-promotional-apr-ended\/\">OFFER 04 PROMOTIONAL APR ENDED<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/k1xl-amex\/\">K1xl AMEX<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/credit-cards\/american-express-internal-transaction\/\">AMERICAN EXPRESS INTERNAL TRANSACTION<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/dr-adj-redist-cadv-prin\/\">DR ADJ REDIST CADV PRIN<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/capital-one-ref-no-10016-8040\/\">CAPITAL ONE Ref N\u00b0 10016.8040<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/pymtmonyhold\/\">PYMTMONYHOLD<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/offer-04-moved-to-standard-purch\/\">OFFER 04 MOVED TO STANDARD PURCH<\/a>\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/centcredserv\/\">CENTCREDSERV<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/syncb-national-credit-cards-airlines\/\">NATIONAL CREDIT CARDS AIRLINES<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/natl-fin-svc-llc\/\">NATL FIN SVC LLC<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/disp-invg-comp-rpt-by-grntr-meaning\/\">DISP INVG COMP RPT BY GRNTR<\/a>.\r\n\r\n<a href=\"https:\/\/businessfinancenews.com\/charges\/low-level-of-authentication-indicative-of-id-fraud\/\">LOW LEVEL OF AUTHENTICATION INDICATIVE OF ID FRAUD<\/a>.","cat_name":"Charges","category_nicename":"charges","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/20679"}],"collection":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/comments?post=20679"}],"version-history":[{"count":8,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/20679\/revisions"}],"predecessor-version":[{"id":20712,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/posts\/20679\/revisions\/20712"}],"wp:attachment":[{"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/media?parent=20679"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/categories?post=20679"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessfinancenews.com\/wp-json\/wp\/v2\/tags?post=20679"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}