Citicards are advertised as being the best 0% balance transfer cards that you can get and the truth is that we are not at all far from that. This is a perfect choice in the event that you want to make sure that the interest you pay is 0% for the debt that you currently have. If you transfer the balance left to Citi Bank then you are going to gain access to a world of possibilities. However, we still have to be informed and even if this sounds too good to be true, we need to look at the best and the worst parts of these cards.
Citi Bank Diamond Preferred Citicards Benefits
The number one factor that potential customers will want to look at is the annual fee and with these citicards there is none. In addition APR is 0% for 21 months on any balance transfer and on purchases. This is definitely something that is really important for a lot of individuals. It allows you to basically recover from credit card debt faster when you have problems. When the 21 months pass APR will be decided based on personal credit score. You should also know that the balance fee is of just 3%.
One highly interesting service offered by the citicards is the concierge service. It is available 24/7 and will help you book hotel rooms, reservations at restaurants and even flights. Calling the concierge will do this for you. Then we also have the Citi Extra Cash program. Whenever using Diamond citicards you get Extra Cash. This is the name given to the service. What it actually means is that you get some extra points that can be used on the bank’s official website. The great thing is that there are a lot of interesting offers available.
It should also be added that Diamond credit cards give you the possibility to add your photograph on them. This basically means that in the event that the card gets stolen it will be hard to be used due to this extra ID. You are not going to be held responsible for any unauthorized purchase. In this case your liability is 0 and the Diamond Perks are also interesting. You get access to a special Private pass that offers even more extras. Citicards are secure and you can even get emergency cash replacement or emergency card replacement services in the event that something bad happens.
Citi Bank Diamond Preferred Citicards Disadvantages
Some people tend to think that this is a rewards card but it is not. These credit cards will not offer you rewards for every purchase that you are going to make. It is one that is tailored for people that are having credit card problems.
Citi Bank Diamond Preferred Citicards Conclusion
The bottom line is that this card is perfect if you want to take advantage of a pretty long period of time where no APR exists on your purchases and balance transfers. If you currently do not have such debts then there is no real reason why you should opt for the Diamond credit card. If you do need it, you should know that you are in front of one of the best possible cards of its kind on the market.
You might also appreciate the Extra Cash program that is included with the citicards. What is different when compared with similar cards issued by other banks is the fact that there are quite a lot of items that you can redeem your cash on. The benefits are definitely more than the disadvantages and this is something that we have to take into account at all times.