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Citi Secured Credit Cards is the most suitable option for those who have no credit history or are facing bad credit. The basic feature of this type of credit card is that it does not require you to deposit any money or collateral. The Citi Secured MasterCard is designed specifically for those people with bad credit records. But there are more reasons why a Citi secured card may be right for you.

Unlike unsecured credit cards, a Citi secured card for people with poor credit is backed by an asset as collateral – in other words, a security deposit, which for the Citi secured MasterCard is the deposit between $200 and $3,000. You should remember, however, that you cannot withdraw money from this card without a PIN or code, so it's important to use it only as a convenience card. For example, if you run out of cash before the expiration date, you can withdraw funds by using your credit card.

You can also avoid incurring late fees or penalties on the Citi secured MasterCard because it is treated like a checking account. Therefore, if you don't pay your bill promptly or don't repay the balance on time, you will be charged interest on the amount of money you owe.

Credit limits on Citi secured MasterCard may vary, so it's best to shop around for a card that offers maximum credit limits. Be aware of fees and late charges, and take action if you notice any violations of the terms of the agreement. Your credit score will be affected and may take a few months to recover.

A Citi secured credit card is also convenient because you never have to wait in line to open the cash advance part of your checking account. If you want to check your account, you can just withdraw cash from your card. Also, if you need cash as fast as possible, you can get cash from the ATM machine or transfer funds to your bank account right away.

And last but not least, don't forget that a Citi secured card is just like a normal credit card. You can't use it to buy everything you want – you still need to have some form of collateral to protect your account. Otherwise, you might end up in serious financial trouble.

So if you want to get a Citi secured credit card, be sure to read all of the fine print carefully and make sure that you have enough funds available to make purchases in the future. That way, you will never fall into the temptation to spend beyond your means.

Once you have the card, keep it safe and secure, but use it wisely. And if you see that you are running low on money or are about to miss a payment, don't worry – you can always use your card to withdraw money at an ATM. or use a check cashing service.

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