How does Citi Custom Cash Card purchase protection work?

Citibank purchase protection covers the damage or theft of eligible purchases for up to 120 days after the purchase date. Purchase protection will reimburse eligible Citibank cardholders up to $1,000 per item and up to $50,000 per year. Be aware that not all types of purchases are covered under Citibank purchase protection.... read full answer

How to File a Purchase Protection Claim with Citibank

1. Call the Benefit Administrator within 60 days of the incident at 1-866-918-4670 or the number in your card’s benefits guide.
2. File a police report within 48 hours of the incident, if the item was stolen.
3. Submit a completed claim form within 180 days of the incident.
4. Wait for a decision. Citibank will notify you of a decision once your claim has been processed, which could take up to 15 days.
5. Get reimbursed for the cost of repairing or replacing the item, if your claim is validated by the Benefit Administrator.

Purchase protection does not come on every Citibank credit card. For specific details on your Citibank credit card’s purchase protection, read through the guide to benefits that came with your card.

The Citi Custom Cash℠ Card credit score requirement is 700 or better. That means people with at least good credit have a shot at getting approved for this card.

You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Citi Custom Cash Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.... read full answer

Since all these criteria are taken into consideration, you might be able to get approved with a slightly lower credit score. But it’s best to wait to apply until you meet the Citi Custom Cash credit score requirement. You can check your credit score for free on WalletHub.

The Citi Custom Cash Card’s starting credit limit is $500. This amount is guaranteed for anyone approved for the card. But yours can be more, depending on your credit score, income, and payment history.

Fortunately, starting credit limits aren’t permanent. After at least six months of opening your account, you can ask for a credit limit increase. And the issuer will also periodically review your account to see if you’re eligible for a higher limit.... read full answer

For better odds of being granted a higher credit limit, always pay your bills on time, stay well below your credit limit, and try improving your credit score and income.