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Citibank Ready Credit - Unsecured Line of Credit 2.9% Intro |
The Citibank Ready Credit unsecured line of credit is an all-in-one account: a credit card, a cheque account, a debit card and a flexible personal loan. With no annual fee, a low interest rate and no transaction fees, this unsecured line of credit is one of the most versatile high transaction accounts on offer today. |
About Citibank Ready Credit
Unsecured Line of Credit
From
humble beginnings in the city of New York in 1812, Citibank has grown
into a major global banking player. By 1894, they were the largest US
bank and in 1914, they started expanding their operations into the rest
of the world. It is as a direct result of this strategy that Citibank
opened offices in Australia in 1985.
Their credit card
history is equally interesting. Citibank issued their first credit card
during the 1960s. Seeing the potential, they acquired Diners�
faltering operations in 1981. Citibank completed a successful
turnaround of Diners; and by 1993, Citibank was the largest charge- and
credit card issuer on the planet.
Throughout
Citibank's history, there have been many firsts: Firsts in
presence, firsts in ATMs and firsts in products. One of their more
recent firsts is Citibank Ready Credit� a revolving,
unsecured line of credit that is a credit card, a Visa debit card, a
cheque account and a flexible personal loan, all rolled into one.
The unsecured line of
credit offered to consumers through Citibank Ready Credit has a variety
of very useful applications.
- Smaller
dreams: Regardless of whether it is a designer lounge
suite, an idyllic holiday in the Bahamas or a revamp of your kitchen,
the competitive interest rate of this unsecured line of credit brings
your dreams closer to reality.
- Personal
Finance Management: Having multiple accounts may be
interesting, but it could also be an expensive administrative
nightmare. The Citibank Ready Credit unsecured line of credit, offers a
six month introductory interest rate of 2.9% for credit card balance
transfers, cash advances and purchases. ATM, EFTPOS, cheque and cash
advance fees are waived permanently. Consolidating all your
transaction accounts into the single Citibank Ready Credit unsecured
line of credit account effectively affords you better control, better
rates and a revolving credit facility to boot.
- Credit card
debt consolidation: It is better to consolidate credit
card debt into an unsecured line of credit than into a secured line of
credit i.e. your mortgage. There are several reasons for this. One: it
is not likely to be cheaper. Two: you transform an unsecured line of
credit into a secured line of credit where an asset (such as your home)
is put at risk.
- Personal Loan:
The revolving, unsecured line of credit remains in place permanently.
You use it as and when you see fit. Interest is calculated daily. This
means that when you make a payment, you see the effects immediately.
Who is best suited to Citibank
Ready Credit Unsecured Line of Credit?
The Citibank Ready
Credit unsecured line of credit is ideal for credit card debt
consolidation purposes; for consumers who wish to save on bank charges
and for those who prefer the ease of managing single - as opposed to
multiple - accounts.
To qualify for the
Citibank Ready Credit unsecured line of credit account, you need to be
18 years or older and earn A$20,000 per year. Permanent Residency, as
well as a good credit record, is requisite.
Some
Key Features of Citibank Ready Credit Unsecured Line of Credit
- No annual
fee
- 2.9%
introductory interest rate for six months on purchases, cash advances
and credit card balance transfers
- Ideal for
credit card debt consolidation
- 17.75%
p.a. after introductory period expires
- No
transaction, ATM, EFTPOS or cash advance fees.
- Credit
limits of up to A$25,000
- Accepted
in more than 24million locations worldwide
- Internet
banking
- Internet
shopping
- Telephone
banking
- Comes with
a chequebook and a Citibank Ready Credit Visa Debit Card
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* See the online Citibank Ready Credit - Unsecured Line of Credit 2.9% Intro credit card application for details
about terms and conditions of offer. Reasonable efforts are made to
maintain accurate information. However all credit card information
is presented without warranty. When you click on the " Apply Here " button you can review the credit card terms and conditions
on the credit card issuer's web site.
Still undecided or looking for a second credit card to apply for?
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