Looking for an everyday credit card to help you build your credit score? A Citibank Credit Card is the way to go as there are NO late fees or penalty rates each month.
Plus, you get to choose how much of a credit limit you want for this card. Therefore, this card is here to meet your needs.
Sound enticing? Read on to find out how you can apply for a Citibank credit card.
Citibank Credit Card Features
To better understand the features and benefits you can experience with a Citibank credit card, let’s take a look at the Citi Simplicity Card…
The world is your oyster with this credit card by your side. It’s the perfect card to use for shopping, dining, and travel. Since this is on the Mastercard platform, you can enjoy worldwide acceptance.
Traveling will become much more convenient using this card as it offers ease of payment for accommodation, food, tours, and more. You can also enjoy exclusive perks only available to Mastercard holders.
With Citibank, you can have online access to your credit card transactions. Have the freedom to check authorized purchases and report unauthorized ones swiftly. You can even pay your bills online to avoid inconveniences brought by long lines in the malls and payment centers.
In case you find any suspicious transactions, you can easily report this to Citibank with the Citi Identity Theft Solutions. The bank can help you recognize fraud and help you file for a police report. This way, you can get back on track easily.
Unlike any other credit card with a fixed and by-approval credit limit, the Citi Simplicity Card is totally flexible. Once your application is approved, you must settle a security deposit that is equal to your credit limit. You can get up to $2,500 credit limit.
Apply for a Citibank Credit Card
As the name, states, applying for a Citibank credit card, more specifically the Citi Simplicity Card, is simple. All you have to do is fill out the online credit card application form on the Citibank website.
Provide your personal information such as your full name, complete address, annual income, and bank information for the security deposit. Note that you must be a citizen of the United States to apply for this Citibank Credit Card.
For your desired credit limit, you have the freedom to indicate the amount you wish to have, based on the security deposit you put down. Note that the bank account you have provided must have a sufficient amount that will cover for the security deposit. Otherwise, the credit limit won’t be approved.
Citibank Credit Card Fees and Charges
Going with the theme of simplicity, let’s keep it simple and take one final look at the Citi Simplicity Card.
- Annual Fee: $0
- Penalty Rate: $0
- Late Fee: $0
- Interest Rate: 0% Intro APR for 12 months on purchases; after that, the variable APR will be 15.99% – 25.99%, based on your creditworthiness
- Cash Advance Fee: 5% of the amount withdrawn
- Foreign purchase transactions: $3 per purchase
Contact Citi Bank
If you would like to learn more about this card, you can contact Citi Bank directly. They can be reached at 399 Park Avenue, New York, NY 10022.
Alternatively, you can also reach them by phone at 212-559-1000, if you are calling from within the US.
Conclusion
A Citibank credit card, particularly the Citi Simplicity Card is simply a powerful and useful card you can use for everyday purchases to build a good credit score. Apply now to enjoy exclusive perks and discounts only available to Citibank cardholders.
Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.
