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Citi Dividend Platinum Select Credit Card | Instant Approval Credit Card Online
This credit card offered by the Citibank is a very popular offering for students. One of the most interesting things is that we have seen Citibank offer to some international students secured credit cards once they have a good amount of cash held or hypothecated with the bank. The card does offer some great benefits, the first is that you won’t need a minimum income or need a cosigner. This makes it even better for the applicant who does not need anyone to assist them to access the credit. Other great benefits of this card include introductory benefits, such as 0% Annual Percentage Rate (APR) for the first six months of holding the credit card for all purchases, cash advances taken and every balance transfer. On all purchases at supermarkets, gas stations, variety stores and the power and water companies you get 5% cash back plus after that you get approximately 2% cash back. What’s another great plus is that deal mentioned applies to cable television as well. Once the six month time period ON EVERY PURCHASE you get 1% cash back. Citibank have pulled out all the stops with this credit card offering. Citibank also makes regular reports to centralized credit checkers, this means that you can continue to build your credit history while you utilize your credit card. This is possibly the most important feature in credit card building.
However as is typical with this instant approval student credit card they make other concessions to improve your chances of paying and learning how to handle a credit card. The first is that you will have free online account management at you disposal to check your balance and view payments and debits applied to your account in real time. There is also the Citi Photo card protection that helps to protect you if the card is stolen and someone tries to use the card and does not look like you. The Lost Wallet option also adds further protection if you card is lost or stolen you are protected from purchases made being applied to your balance. Finally you have a slew of credit management tools available at your disposal, you can get these both online and over the phone. We think this card is perfect for students and it is INSTANT APPROVAL CERTIFIED.
There are several instant approval credit cards on the market that are issued by various financial institutions and by various card issuers. These credit cards are very easily recognized and are in high demand. The most important thing that one must remember is that Instant Approval Credit Cards, whether for students and or otherwise does not mean ‘must be approved’. What happens is that the software quickly uses your personal data and checks your credit history and credit score. If your reported credit score is not high enough then you are refused a credit card. If the reported credit score is high enough then you are instantly approved. If not then the request for credit is declined. It is a simple venture that does not actually require much thought and processes. However for students who attend college and even high school the prospect is different. There are several reasons why a student would get a credit card and the purpose of this card. We examine these in detail.