Credit rating is a parameter that is key by banking institutions to evaluate clients. Be familiar with your score before you apply. Credit ratings can be obtained with some of the subscribed credit reporting agencies. Having to pay EMIs/Card bills on time assists enhance your rating. Whenever looking at your credit file, make certain that any discrepancies are looked after before you apply for a bank card. For e.g. Material discrepancies like a date of address or birth mismatch in your report must be corrected in advance.
Have your income slip/sources of income in a format that is clear
Ensure your company title is obviously noticeable while publishing. It is because income through the right supply and disposable earnings are essential criteria when it comes to acceptance of credit cards application.
In the event that you curently have a Citi bank card, it’s also possible to desire to explore a choice of a swap or update to your card form of your option. If you have credit that is multiple off their banking institutions, do think about if the total credit publicity is commensurate to your resources of income.
Make certain you pass Citis thorough inspection and verification of your application that you cater to all eligibility criteria such as meeting the age limit, staying clear of the defaulter list, reducing the frequency of credit enquiries, etc. so.
The card approval and verification process will be simpler and quicker if you are an existing Citi customer. You are able to use online and also get offers that are pre-approved your bank card.
You can consider applying for both a credit card and bank account to make the most of your Citi experience if you are a new customer.