Citibank has been catering to its huge client-base throughout the world with great renown. The same holds for the different category Citibank credit cards – business cards, everyday cards, student cards, traveler’s cards and the rest.
Our present concern is the Citi Platinum Select Card for College Students – a very reliable card with lucrative features and services that enables college students to work towards a sound and secure financial future.
Key Features Of The Card
The Citi Platinum Select Card for College Students is specifically designed to suit the needs of college students and it promises some unique features that are not found in other student cards. The regular APR of the card is 17.99%, but that does not make the card a jot less interesting because the high APR is offset by the multiple benefits. The details below will give you a clear idea:
§ The Citi Platinum Select Card calls for no minimum income limit or does not even need a co-signer.
§ The card has no annual fee.
§ The introductory APR is 0% and is applicable on cash advances, purchases and even balance transfers. You can take advantage of this great offer for the initial 6 months until you default under any agreement of the card.
§ The card also promises you a sweeping 25% off and free shipping at Peterson’s (leader in education information and career opportunities).
The Citi Platinum Select Card for College Students is accepted more or less universally and that certainly is a laudable feature. Moreover, since it allows you to make a single monthly payment for most of your expenses, you will be undoubtedly benefited.
The Prime Advantages
The Citi Platinum Select Card for College Students has proved very advantageous for the college students so far. You too can build your credit history by making use of this card as it charges very low rate of interest and promises a host of benefits. Remember, a good credit history holds the key to attaining success in life later. Whatever you do – apply for a home loan or apply for a job – your credit history counts!
This is not all! The Citi Platinum Select Card takes care of even the basic requirements that college students are faced with; thus, you can buy clothing, textbooks, even rent cars and buy/rent other things or services that you may during the course of your studies with the help of this card. In a way, the card thus assures you financial independence.
Fringe Benefits
Citi Platinum Select Card for College Students comes with Citibank’s specialized security measures and solutions and promises you other benefits:
§ As a retail-theft preventing measure, the card now has your photo pasted on the credit card.
§ You are covered under a zero liability program and are not held liable any unauthorized transactions over the Internet.
§ The card brings along with it a $1 million travel accident insurance protection for you and your family members (all dependent members).
§ You will be receiving services like lost luggage assistance, emergency transportation coverage, medical and legal referrals whether you are traveling in the US or abroad.
§ You will be able to ask for replacement card or additional cards. You are free to talk to a customer service representative any time to receive cash advances.
§ Citibank’s privacy policy ensures that your personal information is always secure.
§ The access to online facilities lets you view past statements, pay your bill, check unbilled activity, receive email updates when your bill is due.
Richard Gilliland Provides Expert opinions and reviews to help you Compare and Apply for a Credit Card - Compare Credit Card Offers with Credit-Wisdom.com - Unraveling the best in Personal and Business Credit Cards.
Have you noticed changes to your billing statement?
I pay my credit card bills on time and usually in full. I noticed that two of my creditors have changed the due dates. Chase Manhattan and Citibank have now engaged in the practice of closing on a particular date, waiting 10 days to mail the statement and expecting payment in 14 days or less. I just got back from holiday and my payment is due, so I have to make a bank run to avoid late fees. Is anyone else noticing this?
My Discover card due date has always been the 19th of the month for years, and they send me my statement with at least three weeks notice.
If Citi and Chase keep this crap up I am canceling all accounts.
Does anyone else have this problem?
Is there anyone I can complain to aside from the bank?
Are they doing anything illegal?
Answer
This is one of the very things congress just addressed in new legislation. All of the credit cards are condensing the payment cycles which means consumers can have as few as a 20 day cycle. It is a way that they can get you to pay more payments annually because they have increased the number of payment cycles per year. It totally sucks and unfortunately the new legislation doesn't take affect until like 2010 which specifies the number of days in a billing cycle. Yes you can complain, but it will do you little good and they won't change the number of days in the cycle. I wouldn't cancel the cards right now in this liquidity squeeze however, it will only serve to hurt your credit score.
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