By: Julia Aidan
Submitted: 2009-09-04 12:19:18 | Word Count: 534
Citibank is serving the world from past three decades and is highly recognized financial institution in the world of credit cards. Citibank credit cards are in great demand these days as the customers are greatly satisfied with the services offered by this bank. Citibank credit cards are believed to be the king of credit cards due to several reasons mentioned below:
- Citibank has been serving the world from several years and it thus has a great experience and knowledge about the customers' expectations. The incentive programs offered by Citibank often satisfy their valuable customers. The fees and the interest rates charged by Citibank are highly competitive as compared to other financial institutions.
- Citibank offers amazing Cash Back offers to its clients in way of hard cash unlike those banks that offer reward points to be redeemed on next purchase. The amount that you get back is around 2% as it depends on where you swipe your card.
- Citibank offers best Interest Rates and most of the Citibank credit cards have a 0% introductory offer for one year period.
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- Customers are allowed to attach their photographs on their credit card, this provides extra security and prevents misuse. Moreover, the customers are not charged any fraudulent charges whereas other banks charge a high fee of $50 for illegal payments made by your credit card.
- An excellent customer service offered by Citibank representatives is another reason why people like to apply Citibank credit card. They administrative staff are friendly and helpful to assist and guide you whenever you need.
- Most of the Citibank credit cards charge no annual fees. Thus the customer is extremely satisfied as he tends to save more amount.
- Citibank credit card online application is quite easy and quick. If you want to apply, you can do it online by just filling the online application form and fulfilling the basic formalities. You can also carry out other important financial transaction like paying bills, clearing pending dues etc by just clicking the mouse. You can also chat with the online representatives who are always available for your help.
Thus, Citibank is highly reliable and helpful with attractive offers and schemes it presents. However, one needs to qualify for the Citibank credit card. A person applying for Citibank credit card should be an adult, which means he/she should be 18 years or above. He must earn around $20,000, without tax deduction, but the income limit is different by different banks. The customer must hold a good credit rating and he should not be declared as bankrupt by any other financial institutions. Also the customer should be able to make the repayment of loans borrowed by him on time. Just by paying a small fee, one can use online services to check his/her credit ratings and see if there is any financial transaction that may affect his/her credit score.
One needs to submit necessary documents to prove his/her identity, such as driver's license, personal details and bank statement with liability details etc. Once you submit all the necessary documents and pass the credit check, you are approved a Citibank credit card from the Citibank.
