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CITI AC+ Cards are issued at a Citibank Credit Union. Citibank is one of the largest and most trusted credit card issuers in the United States. The company is a division of the New York Times Company, which also owns both the New York Times and the Sunday Business Times. It is not affiliated with the Federal Reserve Bank. Citibank offers many credit cards with a wide variety of interest rates and rewards programs.
The company's most popular and common credit card is the CITI AC+. The CITI AC+ card are issued at a Citibank Credit Union. This is not a bank card. Citibank issues this card for consumers to use at a local branch or at any other authorized retail location that accepts CITI cards.
The CITI AC+ cards can offer various types of rewards. They come with different types of air miles. There is the Gold Card which gives you twice the points for every dollar you charge on the card and has a $1000 limit for earning air miles. There is also the Diamond Card which allows you to earn double the rewards points for every dollar you charge.
These cards can be used at any participating gas station and at any participating grocery store. These cards can also be used at any CITI office located anywhere in the United States. The CITI credit union is an entirely separate entity from Citibank and does not carry the same affiliations with the Federal Reserve Bank or with any major banking institutions. The CITI card issuer will administer the card and monitor the usage and any activity. You can cancel your CITI anywhere card at any time without penalty or interest charged.
CITI card offers have diverse features. To find out more about the features of a particular CITI credit card, you can contact the customer service department of the issuer. You can find information on the benefits of a particular CITI credit card in their websites and on the FAQ page. Credit card issuers are required to publish the annual percentage rate (APR), grace period, annual fees and charges on their websites and on the application form.
Many people do not understand the terms and conditions of the credit card offers they receive. A lot of times, they end up making purchases at a later stage when they have a little cash in hand, only to realize that they could not pay the full amount back. This happens due to the low APR offered by some CITI cards. Some credit card issuers also charge a transaction fee on the credit card for each transaction, irrespective of its nature. If this fee is not included in the advertised rate, the buyer can ask the credit card issuer for details.
One must always read the fine print before buying a CITI card. Many fraudulent people make use of the Internet to pose as an authorized representative of the card issuer's website. They use the Web portals to sell CITI card offers and lure buyers into believing them. The buyers then enter their personal details and financial data at the online registration forms, which are later sent to the IP address of the card issuer's website. The hackers then get access to the credit cardholder's account and misuse the funds by draining the account.
To avoid being a victim of online scams, you must research on the reliability and credibility of the online site where you intend to buy a CITI card from. There are many consumer protection agencies that monitor the activities of various card issuer's websites. One can easily check on the authenticity of the website by browsing the Internet and checking review sites, online forums, chat rooms etc. You can also talk to friends who have had experience with using a CITI credit card online.
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