Citicards, otherwise known as Citicard Visa is credit cards that can be used in many countries around the world. They are also known by the names Gift card or Gift voucher. They are not widely used in United States of America and they are issued by banks exclusively. It is one of the most popular forms of credit card.
Citicards Visa was introduced in the year 1997. Citicards Visa was issued to a greater extent in Japan, Canada and Europe than in the United States. American companies started issuing credit cards to their employees with the aid of the American International Credit Card Association. In fact American Express is the leader of this business.
Citicards Visa is offered by many financial institutions including banks, money lending agencies, merchants, card companies and other credit card issuers. They offer two kinds of credit cards namely MasterCard and Visa. There are certain similarities between these cards. Both are accepted at almost all places that accept credit and debit cards. The only difference is that Visa is accepted everywhere while MasterCard is accepted at places which accept only cash or checks.
The main purpose of a Citicard is to provide convenience to its users. The credit card holder is allowed to make purchases online from a specified web site and the same purchases can be performed at any of the financial institution's branches across the globe. This facility is available to all card holders irrespective of the country or nationality. This enables card holders to go abroad and make purchases.
Citicards Visa is not cash or check card. They cannot be replaced by other credit cards once they have been issued. So Citicards Visa must be used only for the intended purpose and cannot be used for any other purpose except for emergencies.
Citicards Visa comes with a fixed credit limit which is paid upon purchase. Once the limit is met, the card is automatically deactivated and a new one is issued. This process of credit card ownership is called credit card ownership. This ownership is also known as frequent user account.
Citicards Visa is generally used in place of cash or check cards. This is because they are more convenient than the former. The only disadvantage of a Citicard Visa is that it cannot be used for ATM usage as it does not contain enough credit for such use. For this use a debit or ATM card is necessary.
Citicards Visa is also used as gift vouchers. This allows the user to enter the number on the credit card into the system. The card is then sent to the person's address. This feature makes it easier for a person to buy gifts for his loved ones abroad.
Citicards Visa is used as travel cards. They allow the holder to be able to travel anywhere within the globe. All they need is to show the travel card at the time of check in. These cards do not have much cash value. However, if they are lost or stolen, they can still be used as cash. A traveler can thus make use of the card to get tickets for the destination.
Some Citicards Visa is used as membership cards. This allows the holder to join any club, organization or scheme within their network. Members of the scheme can then gain access to various facilities and privileges when they are in the area.
Citicards Visa is using by members of the medical fraternity to acquire diagnostic devices for their patients. They can do this through the use of credit cards which have the security features built in. This is because such credit cards are considered as pre-approved credit instruments. If a member needs a diagnostic test done immediately, they just have to pay the corresponding fee online. They can use the card as cash as well to withdraw the money and get it accepted at the service provider's office.
You can even use your Citicards Visa for educational purposes. You can buy books or periodicals online without worrying about the card being declined at the point of sale. In fact, you can use it to purchase almost anything. You just have to ensure that your credit card information is completely secured. After all, you would like to use your credit card to facilitate educational transactions.
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