UDAP T&C
CITI DISCLOSURES
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases

0% introductory APR for 18 months from date of account opening.

After that, your APR will be 12.99%.  This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

0% introductory APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening.

After that, your APR will be 12.99%.  This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

12.99%

This APR will vary with the market based on the Prime Rate.

Paying Interest

Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

If you are charged interest, the charge will be no less than 50 cents.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.



Fees
Annual Fee

None

Transaction Fees
Balance Transfer

Either $5 or 3% of the amount of each transfer, whichever is greater.

Cash Advance

Either $10 or 5% of the amount of each cash advance, whichever is greater.

Foreign Purchase Transaction

3% of each purchase transaction in US dollars.

Penalty Fees
Returned Payment

Up to $35



How We Will Calculate Your Balance: We use a method called "daily balance (including current transactions)." For further details, please see Additional Disclosures or Card Agreement that will be provided to you before you can begin using your new card.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Additional Disclosures or Card Agreement that will be provided to you before you can begin using your new card.

New York residents may contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods by calling 1-877-226-5697.

Payment Allocation: We may apply the portion of your payments up to your Minimum Payment Due to lower APR balances first, including transferred balances. Generally, payments above your Minimum Payment Due will be applied to your highest rate balance first.

TERMS AND CONDITIONS OF OFFER
•   This offer is only valid for new accounts. You must be at least 18 years of age. If you are married, you may apply for a separate account. Citibank, N.A. ("we" or "us") is the issuer of your account. Citibank, N.A. is located in Sioux Falls, SD.
•  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 Simplicity® credit card, you must meet our applicable criteria bearing on creditworthiness. Your credit limit will be determined by your annual salary and wages, your other annual income and a review of your debt, including the debt listed on your credit report. You will be informed of the amount of your credit limit when you receive your card. Some credit limits may be as low as $500. Please note that cash advances may be limited to a portion of your credit limit.
•  Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
•  Notice to Wisconsin Residents: No marital property agreement, unilateral statement, or court decree adversely affects our rights, unless you give us a copy of such agreement, statement or court order before we grant you credit, or we have actual knowledge of its terms before your account is opened.
 
  IMPORTANT INFORMATION ABOUT BALANCE TRANSFERS
Balance Transfer Instructions:
1. After receiving your card, you may call the customer service number on the back of your card to transfer balances. However, if you are presented with the option to transfer a balance with your application, it will take at least 14 days after your account is opened to process balance transfer payments. During this time you may cancel or modify your balance transfer request by calling the number on the back of your card.
2. You may transfer any amount, but the total amount of your balance transfers and balance transfer fees must be less than your available credit limit. Be sure you do not transfer any disputed purchase or other charge amount, as you may lose your dispute rights. You may not transfer balances from other accounts issued by Citibank, N.A. or its affiliates.
3. Continue to make payments on your other accounts until you have confirmed this balance transfer has been received. Once approved, we pay the amount of the balance transfer directly to that issuer. The available credit limit for your new card will be reduced by the total amount of the transfers, including fees, we approve.
Things You Should Know About Your Balance Transfer Offer:
• If you transfer a balance with this offer you may not be able to avoid interest on purchases, even if your promotional balance transfer has a 0% APR. You can avoid interest on purchases if you pay your account balance, including any balances you transfer with this offer, in full by your due date each month.
• Balance transfers are made available at our discretion. All balance transfers are subject to the standard purchase APR unless an introductory or other promotional rate applies.

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