Which is the best Citicards credit card?
Well, the blunt answer to that question is that there is no one best credit card in the market. Users apply for credit cards based on their needs – people who regularly pay off their balances every month opt for a rewards card, people who maximize credit use or keep transferring balances apply for 0% APR cards, frequent travelers go for cards that accumulate flyer miles, and so on. So there is no one “best credit card.” However, experience and experts are clear about two things – one, that a credit card user must stick to the very best names like Citi cards and two, he must obtain a card that works best for him. This feature will help you choose a credit card that works best for your needs.
A rewards credit card works best for people who pay on time and in full. Such folks get truly rewarded for their credit card usage. People must pick and choose rewards cards per their needs. People who use their cars to travel long distances daily must choose a card that gives rebate on gas, frequent flyers must choose cards that allow flyer mile accumulation and redemption, shoppers and entertainment-seekers can choose cards that feature the best offers, and so on. Many Citicards give rewards and rebates on a variety of activities.
Student credit cards help a student build a credit history right from his college days. The outstanding on these cards is typically repaid by the parent. Secured credit cards carry very low interest rates and are ideal for business owners who use their cards often and are sometimes crunched for funds. Secured credit cards also work very well for folks who want to rebuild their credit history. Even low interest credit cards are tailored for the small business owner. Cashback cards reward the card user by giving him cash based on his purchases or participation in certain activities such as joining a fitness club or shopping at select supermarkets. The cashback percentage can be as high as 5%. There is a variety of Citicards that are suited for every such need and all enable you to bank online.
Finally, there’re couple of riders you must know before you apply for a credit card. First, you will get a credit card if you have a decent credit score. If your credit score is below par, your application may be refused or you will get a card that features a very high rate of interest. Click Here for a Quick credit check. Second, you must always pay your dues on time and in full. If you may the minimum balance every month, your outstanding balance will start accumulating and you may get into a tight corner.
You know your monthly spending, your limitations and your activities. Reconcile these and obtain a card that will help you save either on interest charged or discounts or cashbacks. Citi Credit offers a full range of services and help. if you require more information on a Citibank credit card visit Citibank online. citicards.com yerah