The Citibank Credit Card has a lot of benefits you can not even think of. The main reason behind the invention of the credit card is to help a person in fulfilling their financial needs. When there is a lack of money or you do not want to carry cash, a credit card can help you in a lot of ways. The level of benefits you can avail through credit card is directly proportional to the credit score you are having.
Neither banks, nor companies but your credit score decides whether you can get a credit card or not. Having an Excellent credit can help you in availing credit cards for excellent credit. The interest rates of these types of credit cards are generally low. You can also enjoy other benefits like reward programs, cashback, improved credit score etc.
In case you are not having a good credit score, there are two options for you. Either you can go for a secured credit card or you can improve your credit score first. If there is an urgent need for a credit card then you should choose a secured credit card as the other option needs time. By choosing a secured credit card you can also build your credit slowly. As the name suggests, these secured cards have some security services which can save you from getting under debt. Before availing these cards you have to deposit some amount as a token. If you fail to repay the money used through credit card, the provider can use this collateral to fulfill their loss.
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Citibank Credit Card 