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The Shocking Revelation of Citi Secured Card | citi secured card

Citibank offers the CITI secured card, which is very useful for people with a poor credit history. If you are one of them, this article will give you some information on how you can qualify for a CITI card. It is not easy to get a secured card and it requires good credit history.

CITI secured credit cards offer good rewards, if you use it prudently. This credit card is different from other cards because it has no annual fee and has a low cash advance rate of APR. But you need to pay off your balance every month in order to have good credit history. Because of this you should pay your monthly bills on time because if you don't the penalties and finance charges will hurt your credit history.

Citibank is the leading financial institution offering these kinds of cards. It is also one of the most trusted banks in USA. The credit history of a person is also an important matter when getting a secured card from CITI. If you have a good history then you will be able to qualify for a lower interest rate.

There are many advantages offered by CITI secured card. One of its benefits is that they provide a cash advance facility to their customers. The cash advance is usually a percentage of the amount of money you have loaded in the card. The cash advance feature can save you some money so you need not have a balance in order to get cash advances. You also need to make sure that you have a good credit score so that you don't have problems when using the card.

CITI also offers special cash advances for those people who do not have a good credit rating. If you apply for this kind of card, your application will be reviewed carefully by CITI before giving you a response. If your application is approved, you will receive a card that has a higher interest rate and no balance transfer fees. You need to pay a higher transaction fee as well to enjoy this facility.

CITI secured card provides a number of options. It lets you choose between different credit cards such as reward card, travel, personal, business, and consumer. Each option has different features. A reward card is usually given to the cardholders who have achieved the company's high standards of performance. This is usually done by proving their good customer services record.

Business card is used to pay expenses and generate income. These cards also have facilities for cash advances. You will need to keep a good track of your transactions using this kind of card. To avoid overspending, it is better to pay the full amount in the designated time. The cash transactions will be charged with a higher transaction fee.

Credit card, like any other credit cards, can be abused. So, CITI will consider a negative payment to be an inquiry against your account. If you repeatedly make the same default, your CITI secured card will be closed. Moreover, to protect your credit history, you need to make timely payments of your bills. It will also give you a chance to improve your credit score.

To get started, you should apply for an online credit card application. You will receive an electronic application form after you complete the registration process. CITI will assign you a unique username and password. You can login to your secured card account through the secured card website. Once logged in, you can check the status of your application, view your credit history and manage your credit cards.

There are several benefits in having these kinds of cards. They allow you to shop online and make purchases with a reduced APR or interest rate. You can use them anywhere credit cards are accepted. Furthermore, you can increase your savings with these cards since you don't need to carry cash. These types of cards also have many rewards and services. Some of the features include airline miles, car rental discounts, gift cards, dining coupons and much more.

To ensure that your money is safe, CITI requires you to have a deposit before you can access the funds in your account. Before you apply for a secured card, make sure you read all of the fine print. Some cards have fees that are unrelated to your savings, such as an annual membership fee or an extra monthly payment. You need to be aware of any charges before you apply. As long as you take the time to find out all the facts, you'll have nothing to worry about.

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