Citibank (South Dakota), N.... - FatWallet

Citibank (South Dakota), N.A. Complete Terms Page https://www.accountonline.com/ACQ/DisplayTerms?sc=SWTIN2A858...
Please read these Terms and Conditions.
Annual Percentage Rate
(APR) for purchases
Other APRs
CITI DISCLOSURES
0.00% for 12 months from date of account opening . After that, 9.24% variable.
Balance transfer APR: 0.00% for 12 months from date of account opening . After that same as for
purchases .
Cash advance APR: 21.99% variable.
Default APR: 29.99% variable. See explanation below.*
Your APRs may vary each billing period.
Variable rate information
**
The purchase and balance transfer APR equals the Prime Rate plus 5.99%.
The cash advance APR equals the Prime Rate plus 16.99% (never lower than 21.99%).
The default APR equals the greater of (1) the Prime Rate plus up to 23.99% or (2) up to 29.99%.
Grace period for
At least 20 days if you pay the total balance in full by the due date every billing period. If you do not,
repayment of the balance
for purchases
you will not get a grace period.
Method of computing the
balance for purchases
Minimum finance charge 50 cents.
Annual fees None.
Fee for foreign
purchases
Other fees
Average daily balance. This includes new purchases.
3% of the U.S. dollar amount of each purchase made outside the U.S., whether made in U.S. dollars
or in a foreign currency.
Balance 3% of each balance transfer; $5 minimum. There is no fee with the 0.00% APR
transfer fee: balance transfer offer described above.
Cash advance 3% of each cash advance; $5 minimum.
fee:
Late fee: • $15 on balances up to $100
• $29 on balances of $100 up to $250
• $39 on balances of $250 and over
* How can your actions trigger the default APR? If you default under any card agreement you have with us because you
• do not make the minimum payment when due, or
• make a payment to us that is not honored,
all your APRs may automatically increase to the default APR. We set your default APR by reviewing (1) the seriousness of your default with us
and (2) your credit history.
** How do we calculate variable rates? For each billing period we use the Prime Rate published in The Wall Street Journal two business days
before the Statement/Closing Date.
How do we apply your payments? We apply your payments to low APR balances first. You cannot pay off higher APR balances until you pay
off lower APR balances. That means your savings from any promotional APR offer will be reduced if you make purchases or cash advances that
have higher APRs.
When can we change the rates, fees, and terms of your card agreement? We may change the rates, fees and terms of your card
agreement at any time for any reason. These reasons may be based on information in your credit report or general market conditions. If the
change will cause a rate or fee to increase, you will receive advance notice and a right to opt out.
TERMS AND CONDITIONS OF OFFER
• This offer is only valid for new accounts. You must be at least 18 years of age. Citibank (South Dakota), N.A. ("we" or "us") is the issuer of your
account.
• Federal law requires us to obtain, verify, and record information that identifies each person who opens an account, in order to help the government
fight the funding of terrorism and money laundering activities. To process the application, we must have your name, street address, date of birth, and
other identifying information, and we may ask for identifying documents from you as well.
• Please allow four weeks from date of submission to process a completed application.
• We may gather information about you, including from your employer, your bank, credit bureaus, and others, to verify your identity and determine your
eligibility for credit, renewal of credit, and future extensions of credit. If you ask us, we will tell you whether or not we requested a credit bureau report
and the names and addresses of any credit bureaus that provided us with such reports.
• To receive a Citi PremierPass ® credit card, you must meet our applicable criteria bearing on creditworthiness. Your credit limit will be determined
by your yearly income and a review of your credit report. You will be informed of the amount of your credit line when you receive your card. Some
credit lines may be as low as $2000. Please note that cash advances may be limited to a portion of your credit line.
BALANCE TRANSFER INSTRUCTIONS
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Citibank (South Dakota), N.A. Complete Terms Page https://www.accountonline.com/ACQ/DisplayTerms?sc=SWTIN2A858...
Just follow these simple steps to start saving money by transferring balances from your high-interest credit cards.
1. After receiving your card, you may call our customer service number to transfer your high rate balances.
2. You may transfer any amount, but the total amount including any balance transfer fee must be less than your available
revolving credit line. You should not transfer the amount of any disputed purchase or other charge. If you do, you may
lose your dispute rights. You may not transfer balances from other accounts issued by Citibank (South Dakota), N.A. or
its affiliates.
3. Continue to pay the other credit card issuer until we notify you in writing that we have approved the balance transfer.
When we do, we pay the amount of the balance transfer directly to that issuer.
4. Keep your account in good standing. If you default under any card agreement you have with us, you may lose any
promotional APR on the balance transfer. We may not approve future balance transfers either.
ThankYou ® Network
Citi PremierPass ® Card Terms and Conditions
• As a cardmember ("you") of the Citi PremierPass Card ("Card Account"), you will earn one ThankYou ®
purchase point ("ThankYou SM Purchase Points") for every dollar spent on all purchases made on your Card.
In addition, you will earn one ThankYou ® flight point ("ThankYou Flight Points") for every three miles flown
when airline tickets are purchased using your Card Account. The total number of ThankYou ® Purchase and
ThankYou ® Flight Points ("ThankYou Points") that may be earned on your Card is 100,000 per calendar year
(eligible purchases appearing on your January - December billing statements), only 50,000 of which may be
ThankYou ® Flight Points. The calendar year limit will include any ThankYou ® Purchase and ThankYou ®
Flight Points you may be eligible to receive, unless we tell you otherwise. You may earn ThankYou ® Points as
long as your Card Account is open and current.
• ThankYou ® Flight Points are earned for miles flown based on the city of origin and the city of destination
provided to us when an airline ticket is purchased. We will determine how many ThankYou ® Flight Points will
appear on your billing statement based upon airline travel distance information published by OAG Worldwide,
Inc., our source of independent flight schedule information, unless we tell you otherwise. ThankYou ® Flight
Points will post to your Card Account approximately six to eight weeks following the initial departure date of
travel referenced on your airline ticket transaction.
• If you are approved for a Card Account, a ThankYou ® Network Member Account ("ThankYou Member
Account") will be set up for you. ThankYou ® Purchase Points post to your Card Account at the close of each
billing cycle, and at that time are transferred to your ThankYou ® Member Account. However, ThankYou ®
Flight Points are not transferred to your ThankYou ® Member Account unless we transfer, or have previously
transferred, an equal or greater number of ThankYou ® Purchase Points. ThankYou ® Purchase and Flight
Points are not eligible for redemption until they are transferred to your ThankYou ® Member Account.
ThankYou ® Points may not be redeemed and may be lost if your Card Account is not open or current.
• ThankYou ® Points will not expire as long as you have qualifying purchase activity at least once every 18
months unless we terminate ThankYou ® Network-in which case you will have only 90 days from the
ThankYou ® Network termination date to redeem all your accumulated ThankYou ® Points. ThankYou ®
Network rewards and the ThankYou ® Point levels required for specific rewards are subject to change without
notice.
• We may revise any of the terms and conditions with 30 days prior written notice. Any revisions may affect your
ability to use the ThankYou ® Points you have already accumulated.
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