Apply to Citi Diamond Secured Credit Card

Citi Diamond Secured is a credit card made to help you build your credit score with responsibility. This card is a tool, made for people with low or no credit that wants to build their score. You will need a security deposit of at least $200 to start using this card.

The security deposit is the way the card issuer will thrust you, even without a good credit, that value you put on the deposit always equals the credit limit you will have, so if you made a security deposit of $300, your credit limit is also going to be of $300. The maximum you can deposit in this card is $2.500.

This card will report to the three major credit bureaus every month, so keep using your card with responsibility and paying on time each month, that way your score will start increasing before you realize it.

More about the Citi Diamond Secured

Beyond the monthly reports to the credit bureaus, the Citi Diamond Secured also offers you free unlimited access to your FICO score, that way you can follow how your credit is improving, what areas of your FICO score you can still get better, and more.

This card also gives you the freedom to choose the due date that best feats your life and needs, you can choose from any available date during the month to pay your balance. To help you not forget to pay on time you also can set alerts on your account, this way you will not miss any monthly payment, and keep increasing your score.

Citi Bank also worries about your safety, because of that this card has a contactless-chip that is safer than normal cards. Besides you have zero liability against fraud, if any unauthorized transactions appear on your card, you will not be charged and you have a 24/7 costumer service in case you need it.

Perks of the Citi Diamond Secured Credit Card

The Citi Diamond is a simple card, it doesn’t have a rewards system or anything like that, this a car made to help people rebuild their credit score, but that does not mean there are no perks at all, like the following ones:

• This card reports your good payment to the three major credit bureaus Zero annual fee
• Zero liability, you will not be charged in case on unauthorized transactions
• Free unlimited access to your FICO score
• International credit card, you can use it anywhere in the world where Mastercard is accepted
• Flexible Due Date, you can choose the better day of the month for you
• Minimum security deposit of only $200
• 24/7 Costumer service
• This is a Contactless-chip card

Who should use the Citi Diamond Secured Credit Card?

If you don’t have a great credit score and no major financial problems like a bankruptcy, this card is a great option for you, but you will need to have some money saved, because this type of card needs a security deposit to start using it.

The security deposit required for the Citi Diamond Secured is of at least $200, the maximum you can use as a security is $2.500, the majority of secured credit card only allows limits of $200 or $300, so this is a very great option if you want a secured credit card with a higher credit limit. Please remember that the value of you deposit is the how much you going to have as a credit limit.

This card reports to the three major credit bureaus monthly, if you keep your payments on time, and pay the full billing each month, you will see your credit score increase every month. After six months you can get a limit raise, but that is not a rule, depends of the issuer on reevaluate you and give you a limit raise or not.

How to apply to the Citi Diamond Secured

Remembering, this card is a secured credit card, that needs a security deposit for you to use it, the Citi Diamond has no annual fee and an APR of 23.99%.

To apply to this card, you need to go to the user website and fill up some personal and financial information, such as: name, address, mortgage, social security number and annual income. After applying you will hear back from Citi Bank after 7-10 days.  

To know more about the Citi Diamond Secured Credit Card, keep reading our website!

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