Citibank is one of the four banks that offer the Citibank Visa. This credit card is similar to the ones offered by Citibank, Bank of America, Chase, and Washington Mutual. Citibank Visa has good terms as compared to other cards. This is why the Citibank Visa has become one of the most sought after credit cards.
Citibank Visa has two kinds of interest rates. The interest rates are as follows: the First, the lowest rate that one can apply for; the Second, the higher but less variable interest rate. The fixed interest rates do not change even when the economy is booming or when the market is in recession. These cards have a low annual fee, as well as a one time investment fee that is paid in the beginning.
A lot of people think that the Citibank Visa is a plastic card but it is not. It is a debit card that gives the user to be able to make purchases. This card does not allow the holder to keep cash on him thus, he is required to pay for what he buys using the money that he put in the account with the card issuer. It is also known as the cash advance card. The main advantage of the card is that if you pay your bill before the due date, then Citibank will repay your balance at the end of the month, which means that you don't have to pay for purchases that you made except for gas and groceries.
As opposed to other cards, Citibank Visa does not require an application fee. This means that you can apply for a credit card without having to shell out a big amount of money. But then again, if you want to apply for this card, then you better be prepared for the high interest rate. If you shop online, you may encounter a scam wherein the site will ask you to pay a fee. Do not be lured by these sites.
Citibank requires you to make payment for purchases by using the credit card. You are not allowed to use the card for non-payment purposes unless you agree to pay the penalty. If you are caught in this situation, Citibank will not be able to take any legal action against you. However, you can expect that they will impose some kind of penalties since the credit card was issued to you.
On the other hand, CITI Visa is the credit card that you can avail without having a visa. As a matter of fact, you will only be able to enjoy the benefits if you are a resident of the United States or a resident of Canada. Before you apply for this card, you should have a social security number. You can also prove that you have a social security number by presenting some other form of identification.
Citibank Visa and CITI Visa are not the only credit cards offered by Citibank. There are other cards that are offered by them as well. It means that if you are planning to apply for a credit card, you may try other options available to you. Aside from these two, there are other credit cards which are available for you.
It is very important that you only apply for a visa card that will allow you to enjoy the benefits properly. To do this, you must know your options so you will be able to make an informed decision. When applying for a visa card, make sure you follow all the rules and procedures. This will help you avoid any hassles in the future.
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