Citi® Dividend® Card for College Students Review
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Written by: jake9999 on 2008-12-12

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jake9999's review: Callout Comment I've been keeping my eye on this card for a while now. Well temptation got the best of me and I decided to apply. I was instantly approved online with an initial credit line of $3,000.00, no annual fee, and 0% on everything including purchases, balance transfers, and cash advances. You get 5% cash back on gas, grocery stores, drug stores, and convenient stores for 6 months and 2% thereafter. I am happy to be with CITI. They seem to be a good company and look forward to using my card. Do you know when CITI looks at accounts for credit limit increases? I notice when I am on the main Citicards.com site and put my user and password in I can select the drop down list to "GO TO CREDIT LIMIT INCREASE". Anyone know how this works?


Comment 1 by colonative
Congratulations User Icon on 2008-12-12

Remarks Welcome to the Citibank family. This is a great card, I have a non studen MasterCard version. The cash back really adds up-faster then Discover.

Your card is great too because Citibank does not issue many Visa's and the Dividend is only offered to college students now.

As far as the CLI goes-you need to give it a good 6 months with some decent utilization before you request the CLI online.

The online CLI is fast and easy. You just click it and Citi has their own scores in house that they review to see if you qualify. They will offer you a CLI of their own accord. If you want more you call in and request it but it will be a hard inquiry.

Good luck with the card, I am sure you will enjoy it.
Comment 2 by meya
Way To Go User Icon on 2008-12-12

Remarks I am so happy to hear of your approval with Citi. Keep us posted in the comments about your overall usage with the card. Also, here is a link you can go to to ask questions about cli's with Citibank:

1. When should you ask for a cli


2. Citibank


3. Credit Card Questions


Comment 3 by charonh
Congrats! User Icon on 2008-12-12

Remarks On your approval and credit line. Overall, Citi is a good company, but I still have beef with them; why are the opening new accounts thereby undertaking a greater risk, yet at the same time decreasing current card holders' credit lines credit lines with seemingly lesser risks and proven records. In the past, they used to give very good automatic increases (every 3 to 6 months), however I cannot speak for the present. Enjoy your new card and experience.
Comment 4 by thomas1
Citi User Icon on 2008-12-12

Remarks I've been with Citi since 1984. I have 3 accounts with them. They are wonderful! At least they have been to me.

Ask either by phone, or from the drop down box at 6 months. Usually if you're new, there won't be anything there, and it will give you a blank message.

They do use in house scoring, and as an ex Citi employee no one knows how it works. They do, however look for good utilization and a high payoff ratio. Don't charge more than you can pay with their card as it affects the chances of the system qualifying you. Keep your balance at no more than 30%, and try to pay in full each month. Citi sees someone who is able to pay in full each month, their system will set up the account with a higher increase amount.

Congrats on your approval, you picked a good one!
Comment 5 by arod
Congrats User Icon on 2008-12-12

Remarks Citibank has been in my family since 1986 and I could tell you that they are great I have 3 cards and yes I love CITIBANK This is a bank that will take care of you if you do everything right..

Enjoy your new credit card.

Congrats again,

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