Citi® Platinum Select® MasterCard®
| Our Rating: 
|   | ||||||||||||||||
| |||||||||||||||||
Enjoy the purchasing power of a platinum credit card with Citi’s Platinum Select card. All of the standard credit card features and the service quality you expect from Citibank- available to the cardholders with the platinum card.
You don’t pay to carry this card in your wallet- Citi Platinum Select has no annual fee. You receive free access to your information through an online account. You can view your previous statements as well as your unbilled activity and current billing statement. If you like, you can make payments to your Citi Platinum account online. You could increase your bill paying convenience by using your platinum card account to pay all of your expenses each month, through your online account manager.
You can rest assured that no matter where you are or what time it is, you have a dedicated customer support staff available to answer your questions. You can call them toll free, too.
Citi Platinum Select offers some of the highest security measures available for credit card users. Have your photo placed on the front of your credit card and be sure no one else can use your card in a retail establishment. If someone manages to get a hold of your number or attempt to make charges online or by phone- you can feel confident with Citibank’s $0 liability policy. You don’t pay for any unauthorized charges to your Citi Platinum Select Card and your personal information is protected by Citi’s privacy promise.
As an added bonus, whenever you purchase plane, bus or train tickets using your Citi Platinum Select Card, you receive up to $1 million in travel accident insurance for no additional cost. It will cover you, your dependent children and your spouse automatically. If your travels involve renting a vehicle, you will receive automatic coverage when you decline the car rental company’s collision waiver insurance.
Terms & ConditionYou don’t pay to carry this card in your wallet- Citi Platinum Select has no annual fee. You receive free access to your information through an online account. You can view your previous statements as well as your unbilled activity and current billing statement. If you like, you can make payments to your Citi Platinum account online. You could increase your bill paying convenience by using your platinum card account to pay all of your expenses each month, through your online account manager.
You can rest assured that no matter where you are or what time it is, you have a dedicated customer support staff available to answer your questions. You can call them toll free, too.
Citi Platinum Select offers some of the highest security measures available for credit card users. Have your photo placed on the front of your credit card and be sure no one else can use your card in a retail establishment. If someone manages to get a hold of your number or attempt to make charges online or by phone- you can feel confident with Citibank’s $0 liability policy. You don’t pay for any unauthorized charges to your Citi Platinum Select Card and your personal information is protected by Citi’s privacy promise.
As an added bonus, whenever you purchase plane, bus or train tickets using your Citi Platinum Select Card, you receive up to $1 million in travel accident insurance for no additional cost. It will cover you, your dependent children and your spouse automatically. If your travels involve renting a vehicle, you will receive automatic coverage when you decline the car rental company’s collision waiver insurance.
Please read these Terms and Conditions.
Please note that the Terms and Conditions for the Citi® Platinum Select® MasterCard® and Citi® Platinum Select® MasterCard® and Citi® Platinum Select® MasterCard®
Please read these Terms and Conditions.
Please note that the Terms and Conditions for the Citi® Platinum Select® MasterCard® and Citi® Platinum Select® MasterCard® and Citi® Platinum Select® MasterCard®
CITI DISCLOSURES
Annual Percentage Rate (APR) for purchases 0.00% for 12 months from date of account opening . After that, 8.74% variable
for Citi® Platinum Select® MasterCard®
0.00% for 9 months from date of account opening . After that, 12.74% variable
for Citi® Platinum Select® MasterCard®
0.00% for 6 months from date of account opening . After that, 16.74% variable
for Citi® Platinum Select® MasterCard®
Other APRs Citi® Platinum Select® MasterCard® balance transfer APR: 0.00% for 12 months from date of account opening . After that same as for purchases .
Citi® Platinum Select® MasterCard® balance transfer APR: 0.00% for 9 months from date of account opening . After that same as for purchases .
Citi® Platinum Select® MasterCard® balance transfer APR: 0.00% for 6 months from date of account opening . After that same as for purchases .
Cash advance APR: 21.99% variable.
Default APR: 29.99% variable. See explanation below.*
Variable rate information Your APRs may vary each billing period. **
The purchase and balance transfer APR equals the Prime Rate plus 5.49%.
The purchase and balance transfer APR equals the Prime Rate plus 9.49%.
All cash advance APRs equal the Prime Rate plus 16.99% (never lower than 21.99%).
All default APRs equal the greater of (1) the Prime Rate plus up to 23.99% or (2) up to 29.99%.
The purchase and balance transfer APR equals the Prime Rate plus 13.49%.
Grace period for repayment of the balance for purchases At least 20 days if you pay the total balance in full by the due date every billing period. If you do not, you will not get a grace period.
Method of computing the balance for purchases Average daily balance. This includes new purchases.
Minimum finance charge 50 cents.
Annual fees None.
Fee for foreign purchases 3% of the U.S. dollar amount of each purchase made outside the U.S., whether made in U.S. dollars or in a foreign currency.
Other fees
Balance transfer fee: 3% of each balance transfer; $5 minimum.
Cash advance fee: 3% of each cash advance; $5 minimum.
Late fee: • $15 on balances up to $100
• $29 on balances of $100 up to $250
• $39 on balances of $250 and over
Over-the-credit-line fee: $39
* How can your actions trigger the default APR? If you default under any card agreement you have with us because you
• do not make the minimum payment when due,
• go over the credit line, or
• make a payment to us that is not honored,
all your APRs may automatically increase to the default APR. We set your default APR by reviewing (1) the seriousness of your default with us and (2) your credit history.
** How do we calculate variable rates? For each billing period we use the Prime Rate published in The Wall Street Journal two business days before the Statement/Closing Date.
How do we apply your payments? We apply your payments to low APR balances first. You cannot pay off higher APR balances until you pay off lower APR balances.
That means your savings from any promotional APR offer will be reduced if you make purchases or cash advances that have higher APRs.
When can we change the rates, fees, and terms of your card agreement? We will not voluntarily increase your rates and fees or change other terms of your card agreement until your card expires, typically in two years. At that time, we will review your credit history and general market conditions. If we decide to make changes after our review, you will receive advance notice and a right to opt out. If you opt out, we will close your account. You can then pay the remaining balance under the old rates, fees, and terms. Of course this paragraph does not apply to the automatic default APR and Prime Rate changes. It also does not apply to changes required by law, our regulators, or our network providers.
TERMS AND CONDITIONS OF OFFER
• This offer is only valid for new accounts. You must be at least 18 years of age. If you are married, you may apply for a separate account. Citibank (South Dakota), N.A. ("we" or "us") is the issuer of your account.
• Federal law requires us to obtain, verify, and record information that identifies each person who opens an account, in order to help the government fight the funding of terrorism and money laundering activities. To process the application, we must have your name, street address, date of birth, and other identifying information, and we may ask for identifying documents from you as well.
• Please allow four weeks from date of submission to process a completed application.
• We may gather information about you, including from your employer, your bank, credit bureaus, and others, to verify your identity and determine your eligibility for credit, renewal of credit, and future extensions of credit. If you ask us, we will tell you whether or not we requested a credit bureau report and the names and addresses of any credit bureaus that provided us with such reports.
• To receive a Citi® Platinum Select® MasterCard®, you must have an annual income of at least $8000 and you must meet our credit qualification criteria for a Citi® Platinum Select® MasterCard®. If you do not meet these criteria, you may receive a Citi® Platinum Select® MasterCard®,provided you meet our credit qualification criteria for the Citi® Platinum Select® MasterCard® Card. Otherwise, you may receive a Citi® Platinum Select® MasterCard®, provided you meet our credit qualification criteria for the Citi® Platinum Select® MasterCard® Card.
• Your credit limit will be determined by your yearly income and a review of your credit report. You will be informed of the amount of your credit line when you receive your card. Some credit lines may be as low as $500. Please note that cash advances may be limited to a portion of your credit line.
BALANCE TRANSFER INSTRUCTIONS
Just follow these simple steps to start saving money by transferring balances from your high-interest credit cards.
1. After receiving your card, you may call our customer service number to transfer your high rate balances.
2. You may transfer any amount, but the total amount including any balance transfer fee must be less than your available credit line. You should not transfer the amount of any disputed purchase or other charge. If you do, you may lose your dispute rights. You may not transfer balances from other accounts issued by Citibank (South Dakota), N.A. or its affiliates.
3. Continue to pay the other credit card issuer until we notify you in writing that we have approved the balance transfer. When we do, we pay the amount of the balance transfer directly to that issuer.
4. Keep your account in good standing. If you default under any card agreement you have with us, you may lose any promotional APR on the balance transfer. We may not approve future balance transfers either.
Source:- .creditorweb.com/
0 comments: