How to Apply for a Citibank Credit Card

How to Apply for a Citibank Credit Card. If you want to apply for a Citibank credit card, that's not a bad thing. Having a credit card in your name helps to build your credit, and it can come in handy in case of an emergency. If you pay your credit card on time, and remain under your credit limit, Citibank can be your new go-to business for all your financial needs.

Know your credit report. You can receive one free credit report from all three major reporting agencies--Transunion, Equifax and Experian--from the Annual Credit Report website. If you have a good credit history, Citibank will approve your application. But if your credit history is poor, you may not receive a credit card from Citibank or your credit limit on a new account may be low.

Determine which Citibank credit card best fits your lifestyle. There are many different types of credit cards available--secure, unsecured, rewards, business, college--so having in mind which card you'd like to apply for can speed up the process. You can view Citibank's credit card website for more details as to different cards available.

Gather your documentation. To apply for a new credit card account through Citibank, you're going to need to have your name, date of birth, address, telephone number and social security number. You're going to have to provide your employment history and income, as well as expenses which can include mortgage or rental amounts and any installment or revolving credit accounts you pay on a regular basis.

Begin your application process. You can apply by telephone at (800) 456-4277 or online through Citibank's secure website.

Follow up as necessary with Citibank. If you're unable to qualify for a credit card at the time you first apply, you'll receive written correspondence from Citibank giving you the reasons. Double-check your credit report with the information they provide to you. If you're approved for a new credit card, make sure you receive the card within the time they say and confirm your account number on your card, as well as credit limit on your new account.

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