The Citi Diamond Preferred card provides a number of perks and rewards. You earn points for every dollar you spend and redeem your points for gifts, holidays, dining experiences, tickets to events, and so much more. The Citi Diamond Preferred card also provides 0% on new purchases for the life of the account. It also offers 0% on balance transfers taken during 4 months from account opening. Both of Diamond Preferred's 0% introductory periods are much longer than usual. This allows you to build a large balance while still having extra money in your pocket to enjoy all the rewards of your card.
One of the benefits of the Citi Diamond Preferred Card is the 0 percent APR for the first year from account opening. This means that you can pay no interest for the first twelve months of your account. Many other credit cards offer similar 0 percent introductory offers but then charge a high interest rate on balances that you carry from year to year. For many consumers this makes paying off their balances just too difficult. With the Citi Diamond Preferred Card, however, the long zero percent APR on your balance transfer credit cards is just the beginning of the rewards and benefits.
Another important feature of the Citi Diamond Preferred Card is what it calls “Concierge Services.” What exactly does this mean? Your concierge services provider is a company that helps you with important personal and financial services throughout your life. The concierge service provider is assigned to your account just for that month. They call your agent and set up a meeting with you or a representative of the bank. They also keep you informed about your credit rating and any changes that occur with your credit report.
You must be aware, however, that if you use your CITI Diamond Preferred Card in order to pay off your debt and earn the ongoing rewards credit card points, you must maintain those levels of debt to earn ongoing points. You can't just start spending money and paying cash back. Otherwise, you won't earn the ongoing credits and you will forfeit them. In order to pay off your unsecured debt with the Diamond Preferred Card, you must pay at least the minimum payment on an average credit card each month. If you pay more than the minimum amount due each month, you must make larger payments until your debt is paid in full.
As an additional feature of the CITI Diamond Preferred Card, you will be notified via email each month of any changes in your credit card debt. These changes can make a dramatic difference in your ability to pay off your balance or it could cause you to pay more than the minimum amount due each month. Because your information is so important to CITI, they do everything in their power to notify you in a timely fashion. This will help you avoid late fees and keep your balance transfer credit card debt under control.
CITI also offers a number of other perks for cardholders who choose their cards over others such as: exceptional credit, rewards programs, and customer assistance. Each of these different rewards and programs is geared towards different consumer profiles. Some credit cardholders may be interested in having excellent credit while other cardholders may prefer not to have that much debt tied up with a revolving account. Credit card issuers know who their target market is, and they design their reward programs to specifically benefit that target market. CITI Diamond Preferred Cards is excellent credit cards because they provide an excellent combination of tools and benefits to cardholders who are willing to pay a bit more each month to keep the interest rates low. The added incentives are well worth the annual fee that CITI requires its customers.
A good fit with a CITI Diamond Preferred Card is a good fit for a consumer who can plan on repaying all or most of their debt through regular expenditures and who isn't worried about keeping up with payments every month. CITI customers with good credit will find that CITI Diamond Preferred Cards offers a good fit because of the benefits offered to them. This is a line of credit designed to allow cardholders to make regular purchases without having to pay off large amounts of debt right away. CITI Diamond Preferred Cards can be used for any type of purchase, making it a very convenient credit card to have. Cardholders who want to use their cards for more than just making purchases can do so and still be able to keep up with payments and keep their balances low.
CITI Diamond Preferred Cards is ideal for consumers who need additional benefits and incentives to keep their spending under control. Cardholders who want to obtain rewards or additional credit that their credit score can support will find a CITI Diamond Preferred Card a good fit. Credit card issuers have incentives to offer just about every consumer, which makes CITI Diamond Preferred Cards one of the best options available for consumers who want a card that will give them extra perks but won't hurt their credit score. CITI Diamond Preferred Cards comes with an introductory period and high interest rates, but for those who are able to pay their credit back in a timely manner, CITI Diamond Preferred Cards can prove to be the best way to go. By using these cards wisely and responsibly, CITI Diamond Preferred Cards can make it easy for consumers to pay their credit back and increase their credit score at the same time.