The Citi credit card offers are not hard to come by, and they are available everywhere from the internet to direct mail. The one thing you should do before hand that is the best is to check out the terms and conditions to make sure they cover what you want. You want to make sure that the offer covers what you need, but also cover all your bases. If you want to find out the information you want on a particular card, then you will want to read the fine print before you sign up for it. You can find out about the perks and other great benefits that may be included on your card by calling customer service.
The Citi cards are popular, but they are also very expensive. There are different programs and offers that each card has. You need to make sure that you understand the fine print so that you know exactly what you are getting into when you use your card. You do not want to get caught out by a surprise bill or late fee that has been charged to your account. To protect yourself and your family, make sure that you are well informed on the Citi credit card and its benefits before you apply for one.
There are two kinds of Citi cards but they both have the same basic features. A credit card is a secured card that pay off a certain amount every month to you, and if you do not pay the balance off, the lender can sell your account to a collection agency for a hefty price. The advantage of this is that if you do not pay your balance off, then the creditor does not get your money and the collection agency will keep your balance.
This way you can keep your credit clean, even if you are not making your payments. The downside is that if you do not pay your balance, you may get a late fee and higher interest rates. If you take advantage of this type of card, it will help you have a good credit rating and give you access to credit at a reasonable rate.
The unsecured card is much more similar to a normal credit card in that you don't have collateral attached to it, but the benefit is that you don't have to provide any collateral to the bank. Since you do not have collateral, you don't need to . . . . . . worry about a late fee or other fees like you would with an unsecured card.
Now that you know the basics about the Citi credit card, you know what kind of cards are available to you, and what you can't do with them. Be aware of what your options are and find out if you can use the card that is best for you.