To get the most of your Citi Platinum Select MasterCard credit card, you have to know about the various rewards being offered and the way to use them properly. This credit card sure has many such things and with just the right knowledge about the privileges, the long term experience with this credit card can be as good as the introductory period with the offers.
Citi Platinum Select MasterCard is best suited for the prompt payers and the creditworthy customers. This credit card treats the customer very well if the customers are good to them! There are so many privileges in the form of the discounted APR rates, balance transfers, and rewards that are waiting to be used.
The Introductory Offers
The introductory offers for customers on the Citi Platinum Select MasterCard are for a very long period. For any credit card, the best time to make use of it to the fullest is during the introductory period. There are many offers like free balance transfers, low APR, rewards for using the credit card in first few months, etc. These are the things that you cannot get after the intro period. This MasterCard has the added advantage that the offer period lasts as long as 21 months, unlike many others which have only 3-10 months of an offer period.
Prove your Creditworthiness
If as a customer, you always pay the bills before the due date and are using the card wisely and regularly, then you need not even worry about the APR rates affecting your bill. The rates are very low for creditworthy customers who have established their credibility with promptness in payments and their credit history. This will turn the credit card using experience into a very comfortable one. When in the initial period, Citi Platinum Select MasterCard has no APR and the balance transfers are seamless. The situation will continue if you can just do it right as above.
Rewards for the Taking
The company has many rewards programs that await those who use the Citi Platinum Select Master Card the most and in the most effective way. The rewards can range from discounted deals on certain brands, increase in credit limit for certain period, etc. It changes from time to time, but it is worthwhile to keep checking on what rewards you are eligible for. You can also get some of those without your knowledge just because of your perfect spending pattern.
Make Sure You Do Not Default
Defaulting on payments is one of the evils that can cause a very bad impact on the bills. When it comes to the Citi Platinum Select Master Credit Card, the terms and conditions are very well laid out in your agreement and it states that the APR and other charges may increase if you fail to pay dues on time. The minimum pay per month that is absolutely necessary can be very low, but still you do not want to get surprised with the bills when you default. If you are planning to use the credit card for a long time, then you have to take care of this aspect. Many other credit cards have hidden charges coming into play, but it is not so here, unless you are defaulting regularly unaware of the consequences.
Once you have a good understanding of the above said aspects of the credit card usage, you sure can get the maximum out of your Citi Platinum Select Master Credit Card.
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