CITI Preferred Card is a preferred credit card for Citibank. If you have not heard of this card, then you should know that it is one of the newest credit cards to be launched by Citibank. This card is also referred to as the Preferred MasterCard because it is specially designed for the senior citizens and people who have retired from working. CITI card holders have the privilege to shop online, dine out at restaurants and pay with their debit cards online. Those who are having trouble with their credit card application can also check out this card.
To gain access to all the perks this card has to offer, CITI has devised a system that will help you qualify for the card. The system starts with you filling up an application form for your CITI Preferred Card. Once you are through with filling up the form, you can now submit it to the company for approval.
In case you have applied for a CITI Cash Value card, you will receive a monthly statement giving you details of the amount of cash you have loaded into your account. But the interesting part of the statement is what you will get in return. When you make a purchase using your card, you will be charged with an interest. This interest rate is generally less than the one charged on your credit card.
Most CITI Preferred Cards has a certain percentage of cash back for every purchase. The more you use the card, the more cash back will be offered to you. This cash back feature will help you save some money on your purchases. The more money you save, the more money you can use to pay back your loan. That way you will have more money to enjoy or do whatever you want with.
A major benefit of CITI Preferred Card is that it does not charge any interest. Even if you have used up the entire credit line, you will still be enjoying the lowest interest rate. You do however, have to maintain a good payment history if you wish to enjoy these benefits. If you happen to miss a payment, just make sure that you get a prompt repayment on the card, as your interest rate will sky rocket.
Another great advantage of CITI Preferred Card is the no annual fee feature. This means that you can enjoy unlimited money spent on the card without having to pay any annual fees. If you happen to find yourself in a bind and need to take out a credit card, then this would be a wonderful choice. The money will come in handy, especially when you are spending it on something that is important to you.
The terms and conditions of this credit card are quite fair. The card has a 30 day grace period before the rate starts to increase. For those who tend to use their card, then this is a blessing, since there are no additional interest rates to make sure you are paying. If you have bad credit, then this might be a deal breaker, but it is certainly worth checking into before you sign up for a CITI Preferred Card.
CITI Preferred Cards also has a rewards program. With this program, you can earn cash back and extra airline miles for every dollar you charge on your CITI Preferred Card. With a CITI Preferred Card, you can enjoy many of the conveniences of owning an airline credit card, but at a much lower price.
If you have excellent credit, or if you already have a line of credit open with a major credit card company, then CITI Preferred Cards may be a great fit for you. If not, then at least read the terms and conditions of CITI Preferred Cards carefully. Some people may find that the cash back reward is insufficient to justify the cost of the card. In these cases, just make sure that you can meet the requirements of this card before purchasing it.
CITI Preferred Cards is well suited for individuals with excellent credit. Make sure that you always pay off your bill in full every month. This will earn you extra goodwill with the company and will help you build a good, positive credit history. You want to be someone who is worthy of trust, and this credit card will help you gain that trust. Make sure that you spend your money on the things that are most important to you, and never allow money to go towards credit card bills.
CITI Preferred Cards comes with an annual fee, but it is well worth it. If you cannot meet the requirements for the Preferred Card due to credit history, then just avoid this card. If you have excellent credit and you use this card properly, then you can easily meet the minimum requirements of this credit card and earn some good cash back rewards! Take a look at all the different options available to you, but make sure that you choose CITI Preferred Card over all the others out there!
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