How to apply for a CitiBank credit card It can be complicated for some people, but in reality it is quite simple, you just have to follow the steps that are indicated and have the documents that CitiBank have on hand.
If you want to know how to apply for a CitiBank credit card, I recommend that you continue reading this article because here you will know how to do it.
Types of CitiBank credit cards
The types of CitiBank credit cards are as follows:
1.Citi Secured Mastercard
This credit card is ideal for people who have a poor credit history or who do not even have, offers you an internet access line of credit with low deposits of only $250.
2.Citi Rewards+
Many people consider Citi Rewards+ the best credit card from CitiBank, you can earn points with purchases from supermarkets and gas stations and also anywhere else but fewer points.
3. Citi Advantage Platinum
The best thing about Citi Advantage Platinum is that it is useful for airlines thanks to its bonuses and better earning opportunities, also offers discounts on in-flight food purchases.
Steps: To apply for a CitiBank credit card
These are the steps to follow to apply for a CitiBank credit card:
- Go to the CitiBank website and when you are there click on the ‘Online credit card application‘
- When you are in the application section, CitiBank will place an application form for credit cards.
- Correctly answer the questions on the formyou must provide your personal information, such as full name, date of birth, employment information, etc.
It should be noted that there is no problem in providing your personal information since CitiBank encrypts all the information and this prevents hackers from accessing said information.
Once you have filled out the form, you must wait for CitiBank to approve your request.
Requirements for a CitiBank credit card
The requirements that CitiBank requests for your credit card are the following:
- Be 21 years old.
- Have an annual income of at least PHP 180.00 or PHP 250,000 for first time credit card applicants.
- Have a telephone or landline.
- TIN or SSS number.
- Valid government ID.
- Tax return.
- Employment certificate with their respective signature.
- Bank statement of your payroll account that specifies your salary for one month.
How do I pay my CitiBank credit card correctly?
Paying your CitiBank credit card is really easy since it is online and you must follow these steps:
- Log in to the CitiBank website.
- Click on the ‘Make a payment’ section
- Write down the amount of money you must pay, when to pay it, and where the payment came from.
- Finally confirm what you have done and send the payment.
CitiBank credit card interest rate
Credit card interest rates are between 2.00% to 2.04% but all this may vary because they are quoted based on a 30-day time period, for months with more than 30 days the applicable interest rate will increase or may also decrease.
How to Check CitiBank Credit Card Application Status
To verify the credit card application status you must do the following:
- Go to the CitiBank page and click on the ‘Credit Cards’ section, then click on the ‘Track Application Status’ tab and there you will be redirected to another page.
- On this page, write your application reference number and the phone number you provided on the application.
- If everything is correct then CitiBank will tell you one of these application statuses: Approved, Disapproved, Submitted, In Process, and On Hold.
How to secure my CitiBank credit card
To have greater security on your credit card, you must make a cash deposit prior to opening a credit card account. Said deposit is called a guarantee and that is if for any reason the credit card holder uses the card but does not If no payment is made as agreed, the card issuer will keep the cash deposit.
If you want greater security with your credit card at CitiBank you have to guarantee the card.
Number to activate the CitiBank card
The number to activate your CitiBank credit card is (632) 8995-9999 and one of its operators will answer your call and answer any questions you may have.
How does CitiBank credit card cash advance work?
With the cash advance of your Citibank credit card, this bank works in a way that you can convert the credit limit into cash quickly, at any time, whenever you want and use it for some surprise expense.
Benefits and disadvantages of using this CitiBank card
Among the benefits of having a Citibank credit card we have:
- A good APR deals when it comes to balance transfers.
- 0% APR on new purchases.
- There are no late payment fees.
On the other hand, these would be the disadvantages of CitiBank credit cards:
- Transaction fees outside the United States.
- There are no rewards programs.
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