How do I check my Citi Double Cash balance?

The Citi Double Cash Card APR is 18.74% - 28.74% (V), based on creditworthiness. Citi Double Cash Card also has an introductory rate of 0% for 18 months on balance transfers. It takes effect as soon as the account opens. Once the intro rate expires, the regular APR will apply to any remaining transferred balances.

Here is what you need to know about the Citi Double Cash Card APR:... read full answer

• Regular APR: 18.74% - 28.74% (V), based on each approved applicant’s income, debt, and credit score, among other factors. The card’s interest rate is variable, meaning it can change based oncertain economic conditions.
• Introductory APR: This card offers a balance transfer intro APR of 0% for 18 months. Each balance transfer is subject to a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer. Once the introductory balance transfer period is over, your remaining balance will accrue interest at the regular APR.
  
  There is no introductory rate for purchases. This means interest is paid at the regular APR, unless statement balances are paid in full by each due date.
• Cash advance APR: The cash advance interest rate is 29.99% (V). Cash advances are also subject to a 5% (min $10) cash advance fee. There is no grace period for cash advances, so interest starts to accumulate as soon as you complete the transaction.
• Penalty APR: The penalty APR is up to 29.99%. This APR may be applied to your account when making a late payment or for returned payments.

You can avoid Citi Double Cash Card APRs altogether by staying away from cash advances and by always paying the entire balance in full and on time.

A credit balance refund on the Citi® Double Cash Card – 18 month BT offer is a reimbursement for paying more than the total balance owed on the credit card. For example, a cardholder who has a balance of $700, but pays $800, can get a credit balance refund of the $100 that they overpaid.

Cardholders can request a Citi Double Cash Card credit balance refund: by phone (... read full answer1-800-950-5114) or by sending a written request to

Citibank Customer Service
P.O. Box 6500
Sioux Falls, SD 57117

They can get their refund in the form of a check or an ACH refund credit to the bank account from which the payment was originally taken. Legally, a credit card issuer is obligated to issue a credit balance refund within seven business days of your request for one.

Please note that you are not required to request a credit balance refund if you overpay your Citi Double Cash Card credit card. If you have a negative balance on your account, meaning you've paid more than you owe, future purchases will be credited until the balance is back to zero. If you maintain a negative credit balance for six months, Citibank is required to offer you a refund.

The Citi Double Cash balance transfer limit is determined by your credit limit.

You can transfer any amount as long as the total amount plus the balance transfer fee don’t exceed your credit limit.

Keep in mind that the Citi Double Cash card has a transfer intro APR of 0% for 18 months, with a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer. ... read full answer

After that, the APR for balance transfers will be 18.74% - 28.74% (V).