What is a ready credit account?

The Citibank Ready Credit is a “pay-as-you use” overdraft facility which gives customers access to a credit line of RM5, 000 to RM120, 000. Customers have the flexibility to pay just 4\% of the outstanding amount per month or a higher amount that will help them repay the outstanding amount faster.

What is the interest rate for Citibank credit card?

An interest rate is also called ‘Finance Charge’. Currently, Citibank charges an interest rate of 3.75\% per month which is 45\% per annum on the Citibank credit cards.

What is the interest rate for Citibank credit card cash withdrawal?

Citibank Cash Withdrawal Fees and Charges

Description of Charges	Citibank Credit Card Cash Advance
Interest Free Period	NIL
Cash advance fee	2.5\% of cash withdrawn or Rs.500 (whichever is higher)
Minimum repayment amount	5\% of the outstanding due, subject to a minimum of Rs.100

How do I close my Citibank Ready Credit account?

By sending an SMS to 72484 in the format specified above, you are requesting Citibank to close the account(s) bearing the account number(s) indicated in such SMS (“Account(s)”). If we do not receive your SMS response within the next 2 weeks, we will not proceed to close any of your Account(s).

Can you use a ready card anywhere?

Yes. You can use your ReadyCARD anywhere that accepts debit cards. At a merchant location, swipe your card, sign for your transaction or use your four digit PIN number, and the transaction will be complete.

How do I avoid Citibank credit card interest?

Top Tips to Avoid Paying Credit Card Interest

1. Pay off your balance in full each month.
2. Take advantage of your credit card’s interest-free period.
3. Use a rewards card.
4. Avoid cash advances.
5. Pay off your balance in full each month.
6. Take advantage of your credit card’s interest-free period.
7. Use a rewards card.
8. Avoid cash advances.

Will Citibank lower my interest rate?

Your payments on the Citi hardship program may be as low as 1.5\% of the balance to begin with. This is a reduction in the interest rate on the credit card account. Call 1-800-388-2200 or 1-888-579-9239 for more information on getting help from the Citibank credit card hardship program.

How do I waive Citibank interest charges?

How to appeal for Citibank credit card’s rejected late fee waiver

1. Login to Citibank Online.
2. On the top right corner, click on “Messages”
3. Under “Subject”, choose “Inquiry on waiver of late fee and/or finance charge.
4. In the message, state your appeals.

How can I get Citi fee waiver?

Note: Citibank has updated its phone banking options (as of Aug 2021) to make it more convenient for customers to waive annual fee.

1. Call +65 6225 5225 using your mobile phone number registered with Citibank.
2. Press 1 for account-related enquiries.

Is withdrawing cash on a credit card bad?

Withdrawing cash with your credit card When you take out cash on a credit card, the withdrawal is recorded on your credit file. This in itself isn’t a bad thing, but just like applying for lots of credit, multiple cash withdrawals might look to a lender like you’re struggling financially.

Can I use my Citibank credit card to withdraw money?

Any need of cash, you can use your Citibank credit card for instant cash at ATMs nationwide, whether home or overseas. *If you do not have a transaction/cash withdrawal passcode, call the Citibank Credit Card 24-hour Customer Service Hotline to set up your passcode.

What are the benefits of the a Citi credit card?

A Citi credit card can help you earn rewards on every purchase, avoid interest with 0\% APRs, build credit history, and everything in between.

What is the APR for the Citi Flex Plan?

The standard variable APR for Citi Flex Plan is 13.99\% – 23.99\%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion. The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.

Does Citi have a credit card for Best Buy?

Citi also issues a selection of store credit cards, for use at retailers ranging from Best Buy and Home Depot to Shell and Staples. 0\% Intro APR for 18 months on purchases from date of account opening and 0\% Intro APR for 18 months on balance transfers from date of first transfer.

What is a Citi ready credit card?

Answer Wiki. Speaking generally, Citi Ready Credit is a personal line of credit. The details will probably depend on the specific country where you have your account. In general, with a line of credit, you apply and are approved for the line of credit and then you can use it as needed.