The Citibank card is one of the few cards that you can get from a bank in the USA that is not affiliated with another credit card company. This means that if you have a bad financial record then this card may not be for you. However, if you do manage to make payments and maintain your payment record then you may find yourself being offered a better rate and terms by Citibank.
Most of the credit card companies these days are looking at their customers and their spending habits in order to determine whether they should offer them a card. As a customer you will also have to prove that you are responsible enough to make a good payment on your card each month.
One thing that you may want to look for in a card is the reward program that is offered. Some companies will reward you for using the card and using their services. Other companies will reward you for making purchases, paying off any balance and for the amount of money that you put into your savings.
If you decide to apply for a new card then it would be wise to know exactly what you want from a card. There are different types of credit cards so you will need to know which one you want and what your spending limits are. It may be helpful to do a little research on the internet about all of the different types of cards available and what each one has to offer.
A credit card is a great way of consolidating all of your debt and getting some financial relief. You will find that you can pay a single monthly payment for your cards instead of paying them off each month. This way you can avoid having to make a lot of separate payments.
When applying for a credit card, make sure that you have enough information to make an informed decision. There are many companies that you can apply with but make sure that you make a thorough search of all of them before you actually make your decision. Make sure that you know what you want, what you need and what your spending limits are. If you do all of this research and find a company that fits all of these requirements then you are almost guaranteed to get approved.