Changes to Citizens Pay® Financing:
Frequently Asked Questions
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Microsoft Store is always looking for ways to simplify our customers’ shopping experience, including streamlining our financing solutions. Starting May 21, 2025, Microsoft Store will remove the Citizens Pay® Line of Credit as a way to finance Microsoft Store purchases.
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Yes. Pay over time options may be available for qualified customers at checkout for eligible purchases when checking out with a Microsoft account. Learn more here
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As of May 21, 2025, you will not be able to finance new purchases from the Microsoft Store using your Citizens Pay® Line of Credit. If there is an outstanding balance on your Line of Credit as of May 21, 2025, it will continue to be serviced in accordance with the terms in the financing agreement provided to you at account opening.
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Microsoft Store's refund policy applies to all purchases, including purchases made using your Citizens Pay® Line of Credit for Microsoft Store Learn more about returning items you bought from Microsoft Store for exchange or refund.
If you return a product you purchased from Microsoft Store using your Citizens Pay® Line of Credit in accordance with the terms of our return policy, your Line of Credit will be credited appropriately. This applies to all products within Microsoft Store’s 60-day return policy.
If you have already made payments on your Citizens Pay® Line of Credit for a product returned to Microsoft Store, or if you paid for the product in full, you will receive a check from Citizens for your return, after the return is complete. Check the terms applicable to your Citizens Pay® Line of Credit at Citizens Pay® line of credit
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For more information about your Citizens Pay® Line of Credit, you can access your account via the Citizens Pay® portal at any time.
You may direct questions to Citizens Pay® representatives at 1-877-405-2344 during these hours: 8 am to 12 am Eastern Time Monday through Sunday.
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No. Whether you have the Microsoft Surface Standard Warranty or purchased the Microsoft Complete for Surface Service Plan, both are still valid under their respective terms and conditions.
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Microsoft Store is here to help answer your questions about our financing options and Microsoft products. Please contact us at 1-877-696-7786 to speak with our customer service team.
Why buy from Microsoft Store
Love it, or return it
Find a better price?
Complete coverage, without compromise
Cash out when you trade in
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Discounts: Supplies limited. Actual savings depends on product availability.
Price protection: Microsoft Store Price Adjustment: Valid on purchases of qualifying new or refurbished consumer and commercial physical products made at Microsoft Store and Microsoft Experience Centers in select markets for 60 days from the date product is received. Eligible Retailer Price Adjustment: Valid on purchases of qualifying new consumer physical products from Microsoft Store and Microsoft Experience Centers in select markets for 60 days from the date product is received. Excludes commercial and refurbished products. An Eligible Retailer Price Adjustment cannot be requested at time of purchase. Microsoft reserves the right to verify an eligible retailer’s advertised price and availability of the product. The product sold by the eligible retailer must be identical to the product sold by Microsoft and must be in stock for purchase at the eligible retailer at the reduced price. Exclusions apply. Both price adjustments: Price Adjustment must be requested within 60 days after the customer receives the product and cannot be completed at time of purchase. Customer is eligible only if the product is in stock for purchase at Microsoft Store or a Microsoft Experience Center. Customer must contact Microsoft to request the adjustment. For purchases from Microsoft Store, contact Microsoft Store Sales and Support with your Microsoft Account information and any other information requested by a representative. For purchases from a Microsoft Experience Center, you must return to the location with your receipt. Limit 1 price adjustment total per product. Excludes Surface Hub, HoloLens, and Windows DevKit. See Microsoft Store Price Protection for full terms and full list of eligible retailers
- Returns: Available with eligible physical products purchased from Microsoft Store online and Microsoft Experience Centers in select markets. Return process must be started within 60 days after customer receives the product. Limit 5 product returns per eligible customer purchase. Excludes Surface Hub, HoloLens, and Windows DevKit. Applicable return policy applies. For purchases made at Microsoft Store, see applicable Microsoft Terms of Sale for more information. For purchases made at a Microsoft Experience Center, see receipt for more information. Microsoft reserves the right to modify or discontinue offers at any time.
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Trade-In: Available only through the Microsoft Store online in the United States. Offer valid for reimbursements after trade in of a qualifying device (PC, laptop, mobile phone, tablet, or video game console). To be eligible for trade in, (i) you must own the qualifying device, (ii) the device must power on, (ii) the battery must hold a charge (the device must not be required to be plugged in to operate), and (iv) the device must be in fully-functional, working condition and not have broken or missing components, a cracked display or screen, liquid damage, modification(s) or the device warranty seal broken. The device cannot be password protected and must include its original chargers, accessories, and hard drive. Customer must mail in the qualifying trade-in device to be eligible for reimbursement. Devices determined to not meet eligibility criteria may be shipped back to the customer or recycled. Recycled devices are not eligible for cash back. All trade-ins are final. Cannot be transferred or otherwise redeemed for cash or gift cards, or credit towards other devices or products. May not be combined with other offers. Microsoft reserves the right to modify or discontinue offers at any time.
This offer is operated by Teladvance, LLC and is not sponsored by Microsoft. Any appraised value will be determined at trade in and provided by Teladvance. All trade-ins and reimbursements are subject to Teladvance’s sole discretion and approval.