1.    Citi Platinum Select MasterCard

2.    Citi Platinum AAdvantage Visa Signature Card

3.    CITI THANKYOU PREFERRED CARD

4.    CITI DIVIDEND WORLD MASTERCARD

5.    CITI FORWARD CARD

6.    CITI SIMPLICITY CARD

7.    CITI DIAMOND PREFERRED CARD

8.    CITI THANKYOU PREMIER CARD

9.    CITI THANKYOU PRESTIGE CARD

10. CITI HILTON HHONORS VISA SIGNATURE CARD

11. CITI SELECT AADVANTAGE AMERICAN EXPRESS CARD

12. CITI AADVANTAGE AMERICAN EXPRESS CARD

13. CITI EXCLUSIVE AADVANTAGE WORLD ELITE MASTERCARD

14. CITI GOLD AADVANTAGE VISA SIGNATURE CARD

15. CITI SECURED MASTERCARD

16. AT&T UNIVERSAL SAVINGS & REWARDS CARD

17. AT&T UNIVERSAL SAVINGS PLATINUM CARD

18. CITI FORWARD FOR COLLEGE STUDENTS

19. CITI DIVIDEND PLATINUM SELECT VISA CARD FOR COLLEGE STUDENTS

20. CITI PLATINUM SELECT VISA CARD FOR COLLEGE STUDENTS

21. CITI MTVU PLATINUM SELECT VISA FOR COLLEGE STUDENTS

22. CITI PLATINUM SELECT MASTERCARD FOR COLLEGE STUDENTS

23. CITI DIVIDEND PLATINUM SELECT MASTERCARD FOR COLLEGE STUDENTS

24. CITI BUSINESS AADVANTAGE VISA CARD

25. AT&T UNIVERSAL BUSINESS REWARDS CARD

26. CITI BUSINESS WORLD MASTERCARD

27. CITI BUSINESS AADVANTAGE MASTERCARD
The types differ in their key characteristics and the benefit packages, which they provide. For additional information on every type of credit card, refer to the links in the list.

2.    Citibank Credit Card Payment by mail: Mailing the payment has been the most common way of paying off any credit card. Citibank provides payment addresses for each type of credit cards they offer. The mailing addresses can be found in the Contact Us section of the official website.

3.    Citibank Credit Card Payment in person: Using the branch locator on the official website, cardholders and prospective clients can easily find the closest Citibank branch and pay their credit card in person.

Citibank Client Services

Citi Inquiries

100 Citibank Drive

San Antonio, TX 78245

• Online: All cardmembers can enroll in their online management center and contact the bank at any time via the account. The center is supported on the official webpage of the bank.
• By phone: Representatives of Citibank can answer any questions at 1-800-950-5114 for general inquiries and 1-800-347-4934 for credit card online support. Outside of US the phone to contact Citibank will be: 1-605-335-2222
• In case of a stolen or lost card: Citibank advises cardholders to contact the bank immediately at 1-800-950-5114.

American Airlines AAdvantages Award Program

This program allows the cardholders to collect award miles with every net purchase, they make through their card.  The reward program has a limitation of 100 000 reward miles per account each year, excluding the bonus miles received from promotions. The miles do not have an expiry date but the cardholder has to redeem or earn points every 18 months for the miles to stay active. American airlines provide reduced mileage awards for Citi cardmembers for some destinations. Up to 7500 reward miles of discount can be earned quarterly. However, this promotion is eligible only for booking through American Airlines reservation lines, city ticket offices or through airport booking. There is a fee for this promotion in the amount of $20. The reward miles can be redeemed for airfare at any time, which means that the American Airlines do not impose any blackout dates on the promotional program.

Citi Cash Back Program

All cards related to the Citi Cash Back Program accumulate 1% cash back from all net purchases. Additionally, cash advances and transfers earn 1% cash back as well. The program also involves receiving dividend dollars from transactions. For transactions over $1500 the cardholder will receive 5 dividend dollars. The program has a limit of up to 300 Dividend dollars for every calendar year. The limitations only stand for the transactions; the dividend dollars earned from purchases are unlimited.  No expiration date will be imposed on the accumulated dollars provided that every 12 months the cardholder makes a qualifying transaction, purchase or redeem any accumulated dividend dollars.

Citi Thank You Rewards Program

This promotional program lets the cardholder earn Thank You points from purchases and personal banking transactions. One Thank You point will be earned for every $1 of net purchases. Banking transactions are a subject of change since some credit cards may come with a promotional program for banking transactions and some may not. The points will be available and active until the account is not default or the program is not terminated. There are no limitations on the number of points, which one account can accumulate. Additionally, every year on the anniversary date of opening of the account the cardmember will receive bonus points in the amount of a percentage of his/her accumulated points throughout the year. For the first year of membership, the percentage will be 1% of the points, for the second year – 2% and for the third year, the bonus will be 3% of the accumulated points. Upon opening of the account, the cardmember will be given a Thank You membership account where he/she can transfer all accumulated points and redeem them.

Drivers’ Edge Rewards Program

The Drivers’ Edge Rewards Program offers to cardholder opportunity to receive 2% rebates on their lease or purchase of a vehicle or service.

1)    Calculating the daily balance: for every type of transaction the daily balance is calculated using the following formula: Daily Balance = Previous balance(this is the balance in the beginning of the day) + any new purchases/transaction + any periodic interest charge + any fees, charged on this day – any payments or credits;

2)    Calculating the daily periodic rate: The daily periodic rate is basically the annual percentage rate divided by the numbers of days in the year (usually 365).

3)    Calculating the interest charge: The interest charge is the interest that the cardholder has to pay over the balance of his/her purchases. When the daily balance is multiplied by the daily periodic rate, the result is the interest charge for the balance that day.

4)    Calculating the interest charge for the billing period: The sum of all the daily interest charges is the interest charge due for the whole billing cycle.

5)    Calculating the balance subject to interest charge: The average daily balance is the balance subject to interest charge. The average daily balance is found when the sum of all the daily balances for one billing cycle is divided by the number of days in the billing cycle (usually 30).

6)    Calculating the total minimum payment: The total minimum payment is due every month and the delay or missing of the payment will result in a late payment penalty fee. The total minimum payment is comprised of firstly, any past due amounts or amounts that the cardholder owes, any amounts which exceed the credit limit of the card member and lastly the largest of :

• The entire new balance if it is a smaller amount than $20;
• If the new balance is at $20 at least then the amount added will be $20;
• The sum of 1% of the new balance, any late fees and any interest charge;
• 1.5% of the new balance of the cardholder.

Whichever the calculation is, the total minimum payment will never be larger than the new purchase balance of the cardholder.

The bank has a policy of applying the total minimum payments for covering balances, which have lower annual percentage rates first. Any amounts in excess of the minimum payment will be applied to cover the balances with the highest annual percentage rates first. This policy is called payment allocation.

A way to avoid paying interest charge on any new purchases is to use the grace period of 23 days. After closing of the billing cycle the cardholder has 23 days to pay his/her entire purchase balance. Then any new purchases will not accrue interest for the period.  This is applied to purchases only, balance transfers and cash advances do not have a grace period.

Types of penalty fees

1)    Late Payment Fee – This type of penalty fee will apply every time the cardholder does not submit at least the total minimum payment by the due date each billing cycle. If it is a single violation the fee will be as follows:

FEE              BALANCE

$15              up to $100

$25               over $100

However, if another late payment is present for the next six billing periods the penalty fee will be $15 for balances up to $100, $29 for balances between $100 and $200 and $35 for balances over $200.

2)    Returned Payment Fee – Whenever the cardholder submits a paying instrument, which the bank cannot process and has to return unpaid, a penalty fee of $25 is applied. This penalty fee will be increased up to $35 if another payment instrument has to be returned unpaid within the next six billing cycles.

3)    Stop Payment on Cash Convenience Check Fee – If the bank honors a request made by the cardholder to stop a payment on any cash convenience check, a penalty fee of $39 is required.