You don't want to use your card for six months to find a surprise change to your interest rate. Make sure to understand these terms-especially the interest rates, repayment terms, and default conditions-before you go ahead with the application. Understand the terms on your credit card applicationĮvery credit card application will state the standard terms and conditions for using the card. is up to date if you're a younger applicant.ĥ. The minimal age for cardholders is eighteen, so make sure your I.D. Proof of age: Often you will need a second form of identification both for security and for age requirements.verification: You will need a social security number (SSN) or individual taxpayer identification number (ITIN) both to verify your identity and protect you from fraud. Financial documentation: While some banks may not ask for proof of income, it is a good idea to have these documents on hand, even if you only need to report a gross income on your application.These will be standard documents, such as: Learn the Requirements to Apply for a Credit CardĪfter you've decided what card you'll use, you'll need to gather all the necessary documents for your credit card. Keep this in mind when looking at card pre-approvals. While pre-approval marketing tries to find customers who easily qualify for the card's minimum requirements, a pre-approval doesn't necessarily mean you'll be approved for a card when you file an application. You can view the rewards cards available from Citi here.Ĭredit card pre-approval is a type of e-mail and snail mail promotion by card issuers to help find potential cardholders. Depending on the rewards card, you could receive points, miles, or cash back.
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