Back at last - New Pc so hopefully I'll be able to keep up to date now. Helen
Back at last - New Pc so hopefully I'll be able to keep up to date now. Helen
Member since:21.10.2002
Reviews:35
Members who trust:79
Citibank visa used to be know as the associates visa card. As I had not been registered on the electoral roll for a few years I had had trouble obtaining a credit card in the past. However I contacted the associates and sent them proof of where I had been living and they allowed me a credit card with a low credit limit (£300).
However this came at a cost a £18 annual charge and a higher than normal interest rate (sorry cannot tell you exact %’s). As long as you kept the account in good order they would increase your limit approximately every 6 months. If you made a late payment, were over your limit or a direct debit was refused then you would incur charges of £25.
Cash withdrawls were also costly at £5.00 a time. The interest rate on cash withdrawls was also higher than for purchases.
If you have had trouble in getting a credit card in the past then this is a good option for you. I would advise you to keep your account in order then apply for another card after a year or so with a more competitive rate. In a world were having a credit card is becoming a necessity companies giving people a card when other companies refuse are a godsend.
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I would never trust myself if I had a credit card but great op though maz76
Joeyruss 22.05.2003 12:09
I also have one of these cards. They increase the limit regularly but the only down side is the interest rate. Thank God for companies like this who treat you like a human being .. it doesn't take much for the big boys to turn you down and that causes all sorts of problems. Joey.
caneal 11.05.2003 00:47
Thanks for this info. If your credit isn't A1 it can ruin your record when applications are refused so this is valuable information for many people
Advantages: free £500 overdraft, able to draw money from all ATMs without charge,free internet banking Disadvantages: no high street presence apart from London
sivam 08.04.2001 ·
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Review of Citibank
Apr 30th, 2003
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