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Unlike other card providers that specialize in cards for building credit, Citi doesn’t offer a credit card specifically for those with bad credit.
Instead, Citi offers a secured card for those who are new to credit or have fair credit. It’s an excellent card with a $0 annual fee, free access to your FICO score and it reports to all three major credit bureaus — Experian, Equifax and TransUnion. With timely payments, you can boost your credit score.
If your credit is severely damaged, you might have a better chance of qualifying for a secured card from a different bank.
To find out whether the Citi® Secured Mastercard® is the right call, consider the following:
The Citi® Secured Mastercard® comes with benefits, but there are some drawbacks to consider.
While Citi has a secured card, you may want a card for bad credit. If that’s the case, compare similar cards for building credit so you can chose the right card for your financial situation.
While Citi doesn’t offer a credit card for bad credit, they do offer a secured credit card — the Citi® Secured Mastercard®. This is a solid credit-building option with no annual fee, but you need to make a secured deposit of between $200 and $2,500 that will act as your credit line.
However, if you don’t think this card is worth it, compare other credit cards for bad credit until you find the right fit for your wallet.
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