CITI card pre approval has become the most favored way to avail credit. It is convenient and hassle free, saves a lot of time. There is no need to go anywhere. All you have to do is sit back and relax, as the requirements are merely sent through electronic mail. If you have your own business but do not have good credit, pre approval offers are also available for you.
Pre-approval means that if you have a CITI card or are planning to get one then you can actually start using it right away without any hassle. The approval process also known as pre-approval, enables consumers to use their card even before they have a good credit rating and payment history established. This gives them an edge over other applicants and helps improve their credit score.
The approval begins with the credit bureau. Borrowers are sent copies of their credit reports that are usually damaged or incomplete, which they have to clear before the cards are approved. If you are using your old credit card, the company will send you a new application form for your account. This is where all the negative items in your credit report will be cleared and your credit report will show positive entries like a paid off credit card or current account balance. When you fill out this application form, your credit history will also be reviewed in order to determine if your credit worthiness is still good enough for CITI.
Once the approval process is done, you can now use your card immediately or as soon as you receive it. If you have had a check or debit from the company, they must also be cleared before the card is usable. Once all these things are cleared, consumers are able to enjoy the benefits of their CITI card. In addition, consumers also enjoy an introductory rate of at least 1%, which makes this a good deal. CITI cardholders also enjoy rewards programs like travel points and cash back, which can be useful to them as well.
When applying for a CITI Card, there are a number of things that you need to consider first. One of these is to see if your credit history qualifies you for pre approval. You will be provided with a notice that will tell you whether or not you qualify for this type of card. The pre-approval process has both advantages and disadvantages, and it is important that you take a look at this before deciding to apply.
CITI cardholders who have had a history of late payments or other credit problems are less likely to get approved. This is because it is seen as a sign of bad credit, and it therefore affects the card providers ability to recover money. If you have had a bankruptcy in the past, then you should expect the approval process to be a little . . . . . . bit longer. A bankruptcy stays on a consumer's credit history for seven years, meaning that a lender will have trouble collecting any fees from you in the future. In addition, they will most likely charge you a higher interest rate.
Another thing to consider when applying for a CITI card is that you should avoid applying with a local lending company. Instead, you should contact a specialty lending company that is better known for providing credit cards to people with less than perfect credit ratings. These companies are often better established, and they do not have the same type of financial difficulties as many local businesses. The application process will move much more quickly, and you will have more chance of getting approved.
After you have applied for a CITI card with pre-approval, you will most likely receive an email that will state whether or not your card is approved. If you accept the offer, then it will be turned over to you at no cost. You will be responsible for paying all monthly payments on time, and your credit card will be valid for six months. The upside to getting a card with pre-approval is that you can experience the convenience of using credit without all of the added fees and hassles that usually come along with credit cards.
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