CitiFinancial print ad

Pay up your credit card bills and help you save money at the same time ! If you open a payroll account with CitiFinance, you can apply for an installment loan to pay up your credit card bills and enjoy an extra 1% saving rate. It sounds attractive but if you really give it some thoughts, it's a silly idea. Here's the catch. If you have money left from paying for the loan, it mean you can pay more to finish off the loan more quickly. Would you save it for that tiny 1% extra ? Taking up a loan and saving money with them at the same time, you are literally borrowing money from yourself with the bank taking profit from the interest difference ...

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