Citi Custom Cash Review

You can request a Citi Custom Cash℠ Card credit limit increase online, through the Citibank mobile app, or by calling customer service at 1-888-872-2214. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Citibank has on file. Citibank will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.

How To Get a Citi Custom Cash Credit Limit Increase Online

1. Log in to your online account or the Citibank mobile app.
2. Choose the Citi Custom Cash card from the list of account options (if you have more than one Citibank card).
3. Click “Credit Card Services,” and then “Request a Credit Limit Increase.”
4. Enter your total annual income and your monthly mortgage or rent payment amount . Click “Next.”
5. Confirm the information entered and click “Submit” to complete the request.

You should receive a decision in just a few seconds. If you're approved for a Citi Custom Cash credit limit increase, the new limit is effective immediately.

Impact of a Citi Custom Cash Credit Limit Increase on Your Credit Score

When you request a Citi Custom Cash credit limit increase, Citibank will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. Citibank cannot do a hard pull without your permission, though.

Alternatively, you could be eligible for a Citi Custom Cash credit limit increase without even requesting one. The Citi Custom Cash card may offer an automatic credit limit increase if Citibank's regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.

The Citi Custom Cash℠ Card offers rental car insurance as a free benefit. Citi Custom Cash rental car insurance covers damage or theft of the vehicle, damage or theft of personal items, loss of use and towing charges. Cardholders are covered up to the actual repair cost, current market value of the vehicle or $50,000 per incident. To get the coverage, a cardholder must decline the rental agency's insurance and pay for the rental entirely with a Citi Custom Cash credit card or cash back rewards.

Key Things to Know About Citi Custom Cash Rental Car Insurance

• Coverage Amount. Up to the actual repair cost, current market value of the vehicle or $50,000 per incident.
• File Claims for Domestic Rentals Through Primary Insurance First. The Citi Custom Cash card rental car insurance benefit provides secondary coverage for domestic rentals up to 15 days, so you will need to file a claim through your primary insurance carrier first, if you have one.
• Coverage Is Primary When Abroad. If you're renting a vehicle outside of your home country, coverage under the Citi Custom Cash card rental car insurance benefit is primary and lasts for up to 15 days.
• Not All Vehicles Or Incidents Are Covered. The Citi Custom Cash rental car insurance benefit does not cover trucks, pickups, recreational vehicles, vehicles with fewer than four wheels, vehicles rented for more than 15 consecutive days, or cars with a suggested retail price higher than $50,000. Coverage also does not apply to certain incidents such as any loss occurred under the influence of drugs or alcohol or while in violation of the rental agreement, damage sustained off-road, and mechanical failure due to wear and tear.

Citibank Rental Car Insurance Claims

To file a Citi Custom Cash rental car insurance claim, call the Benefit Administrator at the number in your benefits guide or visit the card's benefits website to obtain a claim form. You will need to submit the claim form, along with any requested supporting documents – such as a receipt showing the vehicle rental charge, a copy of a valid driver's license, the rental agreement, or a police report – no later than 180 days after the incident.

No, Citi Custom Cash does not have travel insurance. While Citi Custom Cash does have benefits such as lost and stolen card reporting, emergency and Mastercard airport concierge, travel insurance is not among the card's perks. This is because the Citi Custom Cash is made for people who want good rewards on everyday spending.

If you're looking for a travel credit card, check out WalletHub's recommendations for the best credit cards for travel insurance and travel rewards. Before picking a card, also be sure to check your credit score for free on WalletHub so that you know which cards you'll be able to qualify for.

Yes, the Citi Custom Cash Card has a grace period of at least 23 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their Citi Custom Cash statement balance in full every month, Citibank will not charge any interest.

Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less than the full amount due, you will lose the grace period. The remaining Citi Custom Cash balance and any new purchases will then start to accrue interest that compounds daily. To get a credit card grace period back, you will need to pay the statement balance in full for two consecutive months.

It's also important to note that grace periods do not apply to cash advances or balance transfers.

The Citi Custom Cash Card balance transfer fee is 5% (min $5). The balance transfer fee on the Citi Custom Cash Card is assessed when an eligible debt is moved to the card, and the fee amount will be automatically added to the balance.

This credit card is great for balance transfers, as it offers an introductory APR of 0% for 15 months, which can help cardholders save money on interest. For reference, the average balance transfer card offers low interest for 13 months and charges a transfer fee of 3.05%. But keep in mind that a regular APR of 13.99% - 23.99% (V) will apply to the balance after the intro period ends.

There are very few credit cards without a balance transfer fee, so you shouldn't rule out a balance transfer card simply because of the fee. Instead, you should take all factors into consideration using WalletHub's Balance Transfer Calculator.

To check your Citi Custom Cash Card balance, log in to your Citibank account online or call customer service at 1-888-872-2214. It's also possible to check your Citi Custom Cash Card balance through the Citibank app or by texting "bal" to 692484.

How to Check Your Citi Custom Cash Card Balance

• Online: Log in to your Citibank account and click on the Citi Custom Cash Card to see its balance.
• By Phone: Call 1-888-872-2214 and follow the prompts to have the automated system read your current balance.
• By App: Log in to the Citibank app. Your credit card balance will be shown on the home screen.
• By Text Message: Text "bal" to 692484. If you haven't already, you'll need to log in to the Citibank website and enroll in text banking for this to work.

It's a good idea to keep an eye on your Citi Custom Cash Card balance. If your balance seems higher than it should be, take a moment to look over your recent transactions for anything out of the ordinary.

Cardholders can set up Citi Custom Cash℠ Card automatic payments through their online account or the Citibank mobile app. Calling customer service at the number on the back of your card also is an option. Once you're enrolled, Citibank will withdraw the payment amount from your linked bank account on the scheduled date.

How to Set Up Citi Custom Cash Automatic Payments:

1. Log in to your online account via the Citibank website or mobile app.
2. Find the "Payments & Transfers," then "Pay Citi Credit Cards," on the account home page and then select "AutoPay."
3. Enter your bank account routing number and account number. This is the account from which Citibank will deduct your payment each month.
4. Select your payment amount. Choose from the minimum amount due, the current balance, the statement balance, or a customized amount that is more than the minimum payment.

You should always make sure your bank account has enough funds for the payment a few days before the due date, to be safe. And once you're in enrolled in automatic payments, don't forget to review your recent transactions regularly.

Yes, the Citi Custom Cash℠ Card does have a late fee of up to $40, which applies when cardholders don't make the minimum payment by the due date. The late fee for the Citi Custom Cash card can never exceed the minimum payment amount, though, thanks to the CARD Act of 2009.

If you accidentally make less than the required minimum payment or you miss your Citi Custom Cash due date entirely, you can always ask customer service to waive the late fee by calling 888-872-2214. This is much more likely to work if you have a great payment history with Citibank, but even if not, there's no harm in asking.

To avoid getting hit with late fees in the future, make sure to pay at least your minimum required payment each month. The best way to ensure that you never miss a payment is by setting up autopay.

You can report a lost Citi Custom Cash card by calling Citibank customer service at 1 (800) 950-5114. You can also report a lost Citi Custom Cash credit card through the Citibank website or mobile app. Citibank will request some security information in order to verify your identity before sending a replacement.

How to Report a Lost Citi Custom Cash Credit Card

1. Call Citibank customer service at 1 (800) 950-5114.
2. Inform the customer service representative that you've lost your credit card.
3. Provide any requested information, such as your date of birth or the last four digits of your SSN.
4. Ask the Citibank rep to cancel your old credit card and send a replacement.

You should receive a replacement Citi Custom Cash card within 5-7 business days. When you receive your replacement Citi Custom Cash card, you'll need to activate it before you can make purchases. And if there are any recurring charges linked to the old Citi Custom Cash card, make sure to update those accounts with your new card information.

Finally, it's important to note that your Citi Custom Cash card is covered by $0 fraud liability, which means that you will not be held responsible for unauthorized purchases made with your card while it's lost. You should still give your card issuer immediate notice of any unfamiliar charges on your account, though.

The Citi Custom Cash card minimum payment is any past-due amount plus $35, 1% of the statement balance plus any interest and fees, or 1.50% of the statement balance – whichever is higher. If the statement balance is less than $35, the Citi Custom Cash card minimum payment will be equal to the balance. In addition, if you recently missed a payment, Citibank may add a late fee to your minimum payment.

The minimum payment is the smallest amount you're obligated to pay by the due date for your Citi Custom Cash card account to be in good standing. Failure to pay by the due date may result in a late fee. Your credit score will also take a hit if you miss multiple minimum payments.