Equal to your deposit
Reports to all three bureaus
The best thing about the Citi Secured Mastercard is the bank itself. Citi is a very large bank with assets valued at almost $2 trillion. They offer products in a wide range of categories, and building trust with their secured credit card will open doors for you in the future.
This card has no annual fee and reports to all three of the major credit bureaus. Most people can get approved for this card, so long as they haven't declared bankruptcy within the past two years.
The initial credit line is up to you. Citi gives you a credit line that is equal to your deposit, with the minimum deposit being $200.
Things to know
As a Citi customer, you will have access to their mobile app and online banking platform. Citi wants you to succeed and help you build your credit, which is why you'll have access to AutoPay, Online Bill Pay and account alerts.
Citi will keep your deposit in a Collateral Holding Account for up to 18 months. Upon review of your account, your deposit may be returned to you sooner than that. So keep your balances low and make your payments on time.
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