Chip Lupo, Credit Card Writer
@CLoop
Yes, you can upgrade your Citi® Secured Mastercard® to an unsecured card as long as you’ve had the card for at least several months, and you have a history of on-time payments and low utilization.
Citi Secured Card Upgrade Info
- Citibank does not state a specific amount of time the card account must be open before it's eligible for an upgrade, but it's a good idea to wait at least 6 months before requesting an upgrade.
- A history of on-time payments and low credit utilization increases your chances of getting an upgrade to an unsecured card.
- If you upgrade to a Citibank card with an annual fee, the charge will appear on the new card’s first monthly statement.
- When you upgrade to an unsecured credit card, your security deposit will be refunded.
- You will not be eligible for any initial bonuses or introductory 0% APR offers associated with the new card, unless they’re included as part of the upgrade offer.
Keep in mind that a secured card upgrade – or “graduation” – to an unsecured card is never guaranteed. To see if your Citi Secured card qualifies for an upgrade, call customer service at 1-800-950-5114. If approved, a Citi Secured card upgrade typically takes just a few minutes.
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What is the Citi Secured credit limit?
The Citi Secured card credit limit is $200 to $2,500. Everyone who gets approved for Citi Secured is guaranteed a credit limit of at least $200, though each person’s exact starting credit limit will depend on how much of a security deposit they put down. When you first open the secured card, the amount of your security deposit will be your credit limit.
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read full answer by Cameron DiGiovanni, WriterHow can I qualify for a Citi Secured credit card graduation?
To qualify for a Citi Secured credit card graduation, you must have had your account open for at least 18 months. While there are no specific guidelines for how to ensure your Citi Secured card graduates to an unsecured card, your credit performance will factor into it.
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- Keep your account in good standing by paying your bills on time and in full.
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How do I get a Citibank credit card upgrade?
Yes, you can upgrade an eligible Citibank credit card to a better offer as long as you’ve had the card for at least several months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your Citibank card qualifies for an upgrade, call customer service at 1-800-950-5114. Citibank also periodically sends targeted upgrade offers to existing cardholders by email.
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read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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