Now almost all banks offer their customers a variety of cards, among which there are credit cards. It is often difficult for people to decide, because each program has its own proposals. According to reviews, “Just a Credit Card” from Citibank has favorable conditions. Read more about it in the article.
About the bank
Citibank is one of the first foreign banks to operate on the Russian market. The first representative office was founded in 1992. Since that period, the organization has always been in the ranking of large banks by assets and capital. Citibank is part of Citi, a global financial corporation with a 200-year history. It serves more than 200 million customers in more than 160 countries.
Private clients, institutions are offered many financial services:
- Lending programs.
- Insurance.
- Securities Procedures.
- Deposits and deposits.
- Cards.
- Investment banking.
- Capital Management.
Today, the bank employs more than 3 thousand employees in 11 cities of Russia. It serves from 600 thousand customers. Due to the high level of banking technology, modern ATMs and payment terminals, compact offices and mobile services are used.
The bank has many bonuses of various kinds for economic, social and technical indicators. For example, in 2016, Citibank was in 1st place in terms of reliability among Russian financial institutions. Everyone can apply for the right service, as citizens are offered cards and loans on favorable terms.
General information
A credit card is not only a convenient payment tool, but also a type of loan. When choosing it, it is important to consider the rate, the duration of the grace period, the size of the credit limit. According to reviews, Citibank's Just Credit Card combines all the benefits of a product.
This card is ideal for payment transactions, it is possible to pay for goods and services, including via the Internet. She has a contactless payment function due to the PayPass system. Bank partners provide a discount of up to 20%. According to reviews, a Citibank credit card with a cashback will be even more profitable, as part of the money is returned in it.
Conditions
Should I open a Citibank credit card? The reviews confirm the favorable terms of the bank's programs. All customers can count on:
- The rate is 22.9-32.9%.
- The grace period is up to 50 days.
- No penalty for late payment.
- Connection of the “pay by installments” program up to 3 years.
- Credit limit - up to 300 thousand rubles.
- Lack of service charges.
The rate and limit are determined by the bank for each client individually, after considering the application. When you activate the "Installment payment" service, the rate increases at the discretion of the bank and may be in the range of 13.9 - 29.9%. Annual maintenance fee is not charged, you can get an additional card for free.
Grace period
According to reviews, a Citibank credit card is beneficial due to the availability of a grace period of up to 50 days. You only need to be able to calculate, but in this bank you can do it this way: the settlement period begins on the 1st day of each month and ends on the 1st day of the next month.
It turns out that the client can make purchases within 30 days, and then repay the entire debt without interest within 20 days. The grace period applies only to non-cash transactions, and it does not apply to the withdrawal of funds and the "Install by installments" system.
Installment plan
The service "Pay by installments" involves paying for purchases on credit. First you need to pay with plastic for the goods, and then connect this service, the bank will calculate the amount for the selected period in equal payments. It is included in the monthly payment.
Reviews on Citibank credit card services make sure that they are profitable. The “Install by installments” service is used according to the following principle:
- You must pay with your card for goods worth at least 1 thousand 800 rubles.
- Then, not earlier than the next day and no later than the date of the statement formation, you should call the bank or in your personal account for this amount issue an installment plan of up to 3 years.
- The bank within the designated time includes the amount in the statement.
For early payment of funds, you need to notify the bank about this, otherwise the amount will be reserved on the account, and the bank will write off the funds due at the appointed payment date.
Tariffs and services
The client does not need to pay anything to get a Citibank credit card. Reviews of credit cards indicate the benefits of plastic, since there is no fee for the following services:
- Card reissue.
- Payment of a mobile phone and utility bills.
- PIN code replacement.
- Mini statement using an ATM.
- Lock and unlock accounts.
But there are paid services. These include an operation to deposit funds at the bank's cash desk in the amount of up to 45 thousand rubles, 250 rubles must be paid for it. But when transferring money using terminals and other remote services, there is no fee. Re-issuance in case of loss of a card will cost 750 rubles.
According to customer reviews, a Citibank credit card is beneficial due to the lack of a withdrawal fee, no matter which device you receive money from. Paid remote services are also offered: Citibank Alerting Service and Citi Express. The second service allows you to pay for travel in the Moscow metro and ground transport with one touch. This is due to the presence of an integrated microchip. A service costs 65 rubles a month, but you can use it if you wish. Citibank Alerting Service is a service that allows you to receive alerts on transactions thanks to SMS. The price is 89 rubles.
Decor
Reviews and opinions on Citibank credit card make sure the benefits of a banking product. Registration is simple: you can fill out a questionnaire at the bank office or on the website. In the first case, you need to collect a list of documents, and then visit the office. From the documentation you must provide:
- Income statement.
- INN
- SNILS.
- Passport.
This is a mandatory list, but may require a passport, driver's license, military ID. The bank may request additional securities. With a lack of time, you can create an online application. To do this, you need to visit the site and select the appropriate one from the list of banking products. To wait for a preliminary decision remotely, you should open a detailed questionnaire, fill it out, and then the bank will notify you of the decision.
According to reviews, a Citibank credit card is issued only if it meets the requirements. The age of the client should be between 22-60 years, it is important to have a steady income, confirmed by documents. Salary should be at least 30 thousand rubles. Cards are issued to residents of cities where there are bank offices.
Terms of use
According to reviews, Citibank credit card is perfect for cashless payments for purchases and services. But if the client needs cash, then they can be withdrawn at a Citibank ATM, another credit institution or through a passport with a passport.
You can use the card only within the established limit, the amount above can not be withdrawn and spent. But the credit line is renewable - with the repayment of the debt, the client can again use the limit. For the use of borrowed funds you need to pay interest.
Activation
The card is issued to the client inactive, so it can not yet be used for different operations. Unlocking is performed after activation. You must create a 4-digit PIN code and telephone identification number in advance.
Activation is carried out on the bank’s website or automatically by telephone hotline. After this operation, you can use an ATM, requesting, for example, a balance on the card. Plastic becomes active, so it is ready for banking operations.
Debt replenishment and repayment
According to reviews, a Citibank credit card has convenient payment methods:
- Making a cash deposit with a Citibank ATM.
- Top-up via Eleksnet.
- Cash deposit in the bank.
- Sending a money transfer to another bank.
- Postal transfer.
- Card replenishment in online banking.
If you choose to transfer funds from third-party institutions, services and resources, it is necessary to take into account the period of crediting funds to the account so that there are no delays and interest charges.
Credit limit increase
The established limit can be increased by the bank or at the request of the borrower. The decisive factors include:
- Active use is best for paying for services and goods.
- Solvency of the cardholder - the presence of constant earnings or regular cash receipts.
- Factors such as age and marital status determine the discipline of the client.
- Responsibility of the borrower.
To increase the limit, the client must regularly use the card for more than 1 month. This confirms solvency.
The client can independently contact the bank to increase the limit, confirming the income or do without it. To accomplish this with a revenue label, you must:
- Credit card must be open from 1 month.
- Certificate of income certificate.
- Good story.
The certificate from the accounting department of the enterprise should indicate the size of the salary for at least 3 months. An increase in the limit without proof of income is possible for the credit history and the period of use of the card.
Balance check
You can find out the card balance in several ways. One of them is SMS informing. This method is used by banking institutions and is considered proven. With the design of a credit card, the SMS-informing service can be activated. Its cost is inexpensive, and for some programs it is free.
After the operations are completed, a message is sent to the telephone specified in the contract about the terminal in which the operation was performed, for what amount, at what time and balance. You can activate the service using CitibankOnline or CitiPhone support. The service charges 65 rubles per month.
You can find out the balance through the support service. The phone is indicated on the back of the card. The service is available through Citibank ATMs. To do this, insert the card into the device, enter the pin code, click on “view balance” and “balance on check”.
Learn about the balance from the Citibankonline system. To do this, you need to visit the bank page, register, having come up with a username and password to enter the system. You need to find the tab “My Accounts” and find out the available amount.
Pros and cons
Citibank’s credit card reviews are also positive, as it has many advantages over credit programs of other banks. Plastic is really beneficial, most importantly, you should familiarize yourself with each condition in more detail, for example, not all people know what a grace period is and how it is used. In addition, not everyone understands how to use the installment service. For each service, it is advisable to consult with a specialist before using it.
The minuses include a small credit limit, and besides, when making out, a person does not yet know how much will be approved. The bet is quite loyal.
In general, the card is an attractive banking product with favorable rates. Citibank is ranked 17th among Russian banks, and it also serves many customers. At any time, you can visit the office or call a specialist to consult about a banking product of interest.