Carduri de credit

Credit cards

Citi Credit Card is the most convenient way of making purchases. It helps you make cash payments without having to worry about the money, and it offers you discounts in many shops, restaurants and hotels within the CitiPartner network across the world.

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FAQ

General questions on a credit card:


Statement and eStatement:


Supplementary credit cards:


Grace period:


Chip cards:


Contactless payments technology:


Citi Value card:


Citi Vodafone Plus credit card:



Why do I need a credit card?

A Citibank credit card allows you to pay for goods and services using bank funds. By using your credit card you no longer need to save money to buy things that you need right now, or put off your purchase just because you don't have enough money right at the moment. Thanks to your Citibank credit card you can pay for your purchases immediately and repay the debt later at your convenience, partially or in full at your discretion. It's a more convenient method of payment since you don't have to carry large amounts of cash in case of unforeseen expenses. A credit card gives you the ability to plan your budget rationally.


Are Citibank credit cards accepted abroad?

Citibank credit cards are accepted as payment for goods and services both in Romania and abroad - anywhere you see a Visa logo. Using a credit card you can pay for goods and services in over 30 million retailers all over the world. A credit card eliminates the issue of exchanging money, and is more secure and convenient when traveling. You can withdraw cash any time using your credit card in 1.8 million  ATMs in 200 countries and territories displaying the Visa logo around the world, including 9,000 Citigroup ATMs.


What makes a credit card different from other payment methods?

You don't have to deposit your own funds in the bank. You simply use Citibank's funds and then pay off the debt at your convenience.

A Citibank credit card is a loan in your pocket. To revolve your credit  limit you don't have to collect documents and go through the procedure over and over again. By regularly making the minimum monthly payment you can continuously use your credit limit for the entire life of your credit card.


What is a credit limit?

It is the funds that you can spend by using a Citibank credit card to pay for goods and services. The size of the credit limit is set individually after reviewing the documents submitted. You can check the size of your credit limit while activating your credit card by calling 24-hour CitiPhone Banking at:
0800 80 10 40 (free of charge)
+40 372 12 48 42 (internationally)

Or through Citibank Online or Citi Mobile on:
www.citibank.ro


What amount can I withdraw in cash and what will it cost me?

The cash withdrawal limit is fixed individually for each customer as a percentage of your credit limit. The cash withdrawal fee is provided in Tariffs.


What income makes me eligible to apply for a credit card?

Minimum confirmed net income required to apply for a credit card is RON 1500  per month.


How can I cancel receipt of advertising information via telecommunication channels?

If you wish to cancel receipt of advertising information via telecommunication channels, including telephone, fax, mobile and e-mail, please call our 24-hour CitiPhone Banking.


What is a credit card statement?

The credit card statement is a document issued by Citibank on monthly basis. It contains information on Minimum Amount Due, Due Date, transactions made during the last month.

Statement is available in paper and electronic format. Paper statement is sent on monthly basis by Posta Romana on your delivery address.

Electronic statement is sent on your email address. It is also available through Citibank Online on - www.citibank.ro

You may find more details on e-statement section.

You may find information on how to read the statement on www.citibank.ro Credit Cards section.


What makes a supplementary credit card different from a primary one?

The main differences between a supplementary credit card and a primary credit card:

• A supplementary credit card gives access to the primary credit card account.
• A supplementary credit card doesn't have its own credit limit.
• The spending limit on a supplementary credit card is determined by the primary cardholder within his/her credit limit.
• A supplementary credit card is available free.
• Easier to get; minimum requirements apply.
• All supplementary credit card transactions are included for the purpose of rewards and bonus points to the primary cardholder (only for reward credit cards).

Whatever the differences, a supplementary credit card holder can enjoy all the benefits of the primary credit card.


What spend limit may be assigned to a supplementary card?

A supplementary card may be assigned a spend limit within the credit limit on the primary card.


How does a supplementary card work?

• If the credit limit on the supplementary card = the credit limit on the primary card.
Both you and the supplementary cardholder have access to the same amount of funds for retail transactions or cash advances, at any time. Whenever the account is credited or debited, the available limit changes accordingly both for you and for the supplementary cardholder by the transaction amount, regardless which of the card it was charged to.
• If the credit limit on the supplementary card < the credit limit on the primary card.
The supplementary cardholder can make credit card payments or get cash advances within the credit limit assigned by the primary cardholder. The credit limit on the supplementary card is restored automatically once a month on the primary credit card statement date (provided there are sufficient funds on the primary credit card account).


What is the Grace period?

The Grace Period allows you to use the credit limit free of charge for a certain period of time from the moment of purchase. This period may last up to 54 days. If you repay your credit card balance in full before the last repayment date indicated in your balance statement, no interest is charged for using the credit limit.


Why do I need the Grace period?

It's convenient when you need additional funds to cover both planned and unforeseen expenses. Essentially, you obtain the ability to spend the bank's funds as if they were your own, at no additional cost.


Who is eligible for the Grace period?

The Grace Period is available to all card holders.


Do I need to inform Citibank about my intention to use the Grace period (as with the Equal Payment Plan)?

No, you don't. The Grace Period is granted to all clients by default, free of charge.


What operations are covered by the Grace period?

The Grace period applies to payments for goods and services using a credit card, including purchases via the Internet and utility bills payments.


What operations are not covered by the Grace period?

Grace Period does not apply to:

• cash withdrawal transactions
• "Equal Payments Plan (EPP)"
• transfers from your credit card to your Citi account or  your account in other banks of Romania.


How do I pay off my credit card debt to apply for the Grace period?

Each month you will receive a credit card statement indicating your outstanding balance, minimum monthly payment, and the amount of time you have to deposit money to pay off the debt. To apply for the Grace period you should duly pay off the total debt indicated in the statement. This way interest won't be charged on payment transactions indicated in the statement.


Please note that amounts refunded to your credit card by any retailer reduces your current debt, but cannot be considered repayment as per the bank statement. To take advantage of the Grace period you need to repay the full amount as per the bank statement.


If I've paid off my debt only in part - am I eligible for the Grace period the following month?

Yes, if you repay the full amount indicated in the statement in the following month. In this case, the Grace period will apply only to those operations which were made during the applicable month.

For example, you made a purchase in January and have received a statement showing your balance. For whatever reason you have not repaid this amount in full, so you cannot be granted the Grace period for January transactions. In February you make another purchase and receive the statement with the overall outstanding balance. If you pay off the February amount in full, you will be granted the Grace period for your February transactions.


Am I eligible for the Grace period if I pay regularly every month under the Equal Payment Plan?

Yes, you are. The monthly payment under the Equal Payment Plan is included in the total amount you owe. If this amount is repaid in full and on time, you are granted the Grace period for your usual transactions. A transaction under the Equal Payment Plan is paid as usual in equal installments, including the accrued interest.


When does interest start accruing?

Whenever you fail to pay off the balance in full before the date indicated in the statement, interest will be charged in accordance with the interest rates as of the date of purchase until repayment in full.


How can I learn my repayment deadline?

The deadline is indicated every month in the credit card statement (in hard or electronic copy). You can also check the deadline by calling 24-hour CitiPhone Banking at

0800 80 10 40 (f) ree of charge
+40 372 12 48 42 (internationally)


Or through Citibank Online or Citi Mobile on:
www.citibank.ro


Where else can I get the Grace period details?

You can call 24-Hour CitiPhone Banking with any questions. The 24-Hour CitiPhone Banking phone numbers are:

0800 80 10 40 (free of charge)
+40 372 12 48 42 (internationally)


Are purchases made abroad or via internet covered by the Grace period terms?

Yes, they are.


Are purchases made with supplementary covered by the Grace period terms?

Yes, they are. The amount owed on a supplementary credit card is added to the total outstanding balance on the primary card indicated in the statement. If you pay the full amount owed before the required date, you will be granted the Grace period.


What is the difference between a chip card and a swipe magnetic stripe card?

When making payments with chip cards you will be requested by the POS terminal installed in Merchant to enter your PIN code.

By requesting the PIN code you will be identified as the owner of the card which is a more secure way of making the payments.

When making payments with swipe magnetic stripe cards PIN code entry is not required.

Acquiring places accept both chip and magnetic stripe cards. You can use your chip card the same way as  magnetic stripe card, for retail purchases (point-of sales locations) and cash withdrawals (ATM) that have the proper association logo (VISA). The acquiring places network will switch gradually to chip card acceptance.


Do I have to use PIN code or signature during purchases with Chip card?

If the acquiring place has point-of-sale terminal (POS) compatible with chip card acceptance every time you use your chip card you will be required to key in your PIN code and also you might be required to sign the receipt.


What happens if I forget my PIN code? How can I change my PIN code?

If you forgot your PIN code or if you wish to change it you should call CitiPhone Banking, where you can create new PIN code with the help of the IVR or Citibank bankers.


Is there any difference in using the card after I changed the PIN code?

After you changed the PIN code when doing the first POS transaction POS will show the message "PIN if incorrect". You will have to enter your new PIN code 3 times and after that the transaction will be accepted.


All other transactions will require only one PIN entry.


What PIN code should I choose?

PIN is a code of four digit number that you can setup. Based on security reasons, PIN code should not be tracked from personal data (eg: birth date) or should not be numbers following a sequence (1234).

You must not write the PIN code on the card or keep it in your wallet next to your card as if you lose your card or wallet will lead to fraudulent use.
In these cases the cardholder will be responsible for the fraudulent charges. Do not share the PIN code with others.


What happens if I enter wrong PIN code during purchase or cash withdrawal?

During purchase or cash withdrawal you have three possibilities for entering the right PIN. If you do not enter the correct PIN code three times in a raw your card will be blocked for your security, thus any unauthorized person cannot use it. In these cases please contact CitiPhone Banking and after successful identification, you can change your PIN code, and use your card again.


Can I use the Chip card for internet purchases?

The Citibank chip cards can be used for internet purchases. Merchant will ask for CVV2 (in case on Visa)/CVC2 (for MasterCard) code, which is written on the back of the card next to the signature panel.


What is Contactless technology?

A contactless payment option is ideal wherever fast transactions are required - e.g., in fast food restaurants, at newsstands, car parks, or in municipal public transport.

You simply place the contactless payment card near the reader, which will read your data without any contact required, and you have paid.

Contactless payments - fast, convenient, and secure. A new payment technology, already proven worldwide. Compared to a cash payment, a contactless transaction is a much faster, more convenient, and more secure way to pay.


Which Citibank cards have Contactless technology in it?

Currently it is Citi Vodafone Plus card.


Where can I make contactless payments?

You can make contactless payments at terminals which have PayWave sign by Visa.


In Romania contactless payments are available at: SensiBlue, Real, Rompetrol.
Vendors accepting contactless payments are already widespread abroad - e.g., in the UK, Spain, France, the USA, Switzerland, Slovakia, and other countries.


Is there a limit set for the maximum transaction of a contactless payment?

The maximum limit for the contactless transaction is set for 50 RON.


In case you will try to make a transaction higher than this limit you will be asked to enter your PIN code - the same way as in normal POS transaction.


What is a Citi Value card?

Citi Value card is a cashback card which allows to receive percentage of monthly spend back.


How can I get cashback on my Citi Value card?

You just make your daily purchases in selected merchants and get up to 5% cashback. First 3 months from the approval date you will get 5% of cashback and going forward - 2%.

Following merchants are eligible for getting points for spend:
Hypermarkets and supermarkets
Gas stations
Clothes and shoes stores
Restaurants, bars
Cinemas


How can I use cashbak?

Cashback will be placed back on your card at the date of statement generation.
You may use it for other purchases, ATM cash withdrawals.


Where can I find out how much cashback I have?

You may find information on the cashback earned with your Citi Value Card through:
• Citibank online - e-Statement section
• statement
• by calling to 24-Hour CitiPhone Banking


When can I find out how much cashback I earned in this month and when I can start using it?

You may find out information about your cashback after your monthly statement is generated.
You may start using your cashback the next day after the statement is generated.


What is a Citi Vodafone Plus credit card?

Citi Vodafone Plus card is a co-branded credit card which combines all benefits of a Citibank credit card and "Vodafone for you" loyalty program.
With Citi Vodafone Plus co-branded card it is very easy to collect Vodafone loyalty points.


What is welcome loyalty points and how can I get them?

Welcome loyalty points are the points you get after you make the first purchase in any merchant or withdraw cash on you Citi Vodafone credit card. You may use these points to buy phones accessories and services as per "Vodafone for you" loyalty program.


How can I collect Vodafone loyalty points with Citi Vodafone Plus credit card?

You just make your daily purchases in selected merchants and get 8 points for each 10 RON spend. Following merchants are eligible for getting points for spend:

Vodafone stores
Hypermarkets and supermarkets
Gas stations
Clothes and shoes stores
Restaurants, bars
Cinemas


How can I use Vodafone loyalty points?

You can spend them to buy phones accessories and services as per "Vodafone for you" loyalty program.


Where can I find out how many loyalty points I have?

You may find information on the points earned with your Citi Vodafone Plus card through:
• Citibank online - e-Statement section
• statement
• by calling to 24-Hour CitiPhone Banking

You may find information on the points earned with your Citi Vodafone Plus card and in Vodafone through:
• Vodafone web site


When can I find out how many points I earned in this month and when I can start using them ?

You may find out how many points you have earned in this month from your monthly statement once it is delivered to  you.
You may start using your points after first Vodafone billing cycle following the Citibank statement date.


What is automatic Vodafone bill repayment from my Citi Vodafone Plus credit card?

It is easy to repay your Vodafone bill with Citi Vodafone Plus credit card. Your monthly Vodafone bill will be automatically debited from your Citi Vodafone Plus credit card.

 

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