The Citi Secured Mastercard offers a simple card for those who wish to build a solid credit history but who aren't concerned about carrying a large balance. It charges only a low five percent annual fee and has no annual transaction fees whatsoever. This makes the CITI Secured Mastercard an ideal card to begin building your credit history, especially if you're looking to make an application for a regular credit card sometime in the future.
There are a couple of different ways that CITI Secured Mastercard can help improve credit scores for cardholders. First, cardholders who use the card regularly will be able to pay their bills on time every month, which will cause their credit cards to have lower rates. This will also save them money in the long run as well, since by paying off their bills early they won't be adding any new debt to their accounts. Those who don't pay their bills early will also benefit from this program since it will help prevent them from having any late payments or over limit fees added.
Cardholders with good credit histories should look at the CITI Secured Mastercard as a way to build a solid history. If cardholders pay their bills on time and avoid making any unwise purchases they will be able to qualify for a lower interest rate and a higher credit limit. This will allow them to purchase the items they desire in order to maintain a positive credit rating and credit limit.
Another great benefit offered by CITI Secured Mastercard, is the fact that it helps establish a long-term credit history. As long as cardholders follow the requirements set by CITI and pay their bills on time each month they will be able to have an unblemished record. They will also find that they can pay their bills at any time that they choose. This is not only good for building a long-term credit history but also helps them receive the best rates available on the credit cards that they apply for. If a cardholder has several cards they are approved for with different companies they may receive varying rates.
CITI Secured Credit Card users should take advantage of this program if they plan on building credit. Even if they do not qualify for the Discover It reward programs they can receive the cash back rewards from CITI. This cash back can then be used for whatever they wish. The cash back benefits offered by CITI can help build credit, save money, and make purchases with their credit cards. This makes CITI Secured Card an excellent choice for anyone who needs a card with rewards to be able to establish their credit.
Many banks charge a yearly or monthly fee for secured cards, but CITI does not. CITI Secured Credit Cards is offered at a zero percent introductory rate. For the first six months that the customer has the Secured Card there is no balance transfer fee. After the first six months the customer will be charged a one time fee which is related to the APR that the customer chooses. CITI secured cards offer competitive rates and fees compared to other financial institutions.
If you are looking for a card to get you started on your way to rebuilding your credit then the CITI starter card is the perfect option for you. CITI offers several different unique advantages over other banks. CITI offers a welcome bonus that is equal to ten percent of the dollar amount . . . . . . of the secured card. The welcome bonus is offered at any time, which makes this feature ideal for someone who may need a quick boost in credit. The starter card also provides an automatic ten percent reduction in your monthly credit card payment when you make your first purchase after opening your account.
One of the best ways that CITI secured cards provide added security to consumers is through a diamond preferred card. A diamond preferred card allows the card holder to convert his or her regular Visa card into a diamond preferred card. The diamond preferred card allows cardholders to get one thousand dollars of free travel, along with a one hundred percent savings on the interest that the cardholder incurs on their CITI card. The added savings will allow the cardholders to pay down debt easier and still build their credit rating.
CITI Secured Credit Cards Helps Consumers rebuild credit | card helps | credit | security deposit | secured card} CITI Secured Credit Cards also offer higher than average savings rates with no yearly or monthly fees, making this card a great choice for those who need extra cash. The CITI card helps consumers improve their credit by paying off debt quickly. This helps to improve the cardholder's FICO score, making it easier for them to apply for more credit in the future. Finally, CITI Secured Credit Cards is reported to the credit bureaus as having the least impact on a consumer's credit score. By using the cards and paying them off in full each month, CITI Secured cards help consumers improve their credit scores and enjoy a hassle-free lifestyle.
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