Worth it!
Let me start out by saying that this card is definitely worth it! I was young and dumb and really damaged my credit, about a year ago is when I really began to start wanting to clean it up. I applied for the Capitol One secured card, got approved, but forgot to fund the deposit so when I applied for it a second time, I was denied. Credit Karma suggested the Citi Secured card and I figured it wouldn't hurt to try. I got approved and have been using my card for about a month. I use it for gas and small food purchases. In that month my score shot up 58 points! It was a great feeling. If you're like me and read reviews, take my advice, get the card, its worth it!
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Not what I expected
I have had this secured card for 4 months and I have paid the bill each month never late and it hasn't increased my credit bureaus scores at all. When I applied it said within 2 months if you pay on time and pay off the balance you will see your scores go up. I haven't seen it yet and I can't get my money back for 18 months. It was my money that I am using anyway. Be careful
But what's on your credit report? Just because you get some sort of credit card doesn't mean your score will go up. Takes more than a credit card to make things positive
If you use more then 29% of credit limit you won’t see a increase & might start seeing a decrease in credit score i only use about 25% of credit limit on mine goes up a lot
The credit card company doesn’t improve your score. They just report. You may have a lot of negative information on your report going on. You need to take care of that. Open another card or a few more keep the utilization down and watch it soar!
Citibank Secured is Awesome !!
I opened this secured card on may 2018 with a $400 deposit using my checking wanted to repair my bad credit ..my fico score was 520 ...now it my fico score is 579 ..This card is the best for repair my mother recommend it.....dont go with others try Citibank...you wont regret it.....
No real benefits
If you are trying to rebuild your credit I really recommend capital one is the best. I've never been late on one payment and within only five months capital one bumped my credit limit up $300 more dollars. I've never been late on my citi but there are no perks. I've had this one almost a year and I am still at only my $200 credit limit.
I shall build a great big wall around your credit score to keep you away from us. It’s a year and a half before it’s eligible to become unsecured and maybe they’ll increase your limit. Till then apply more money to your secured card if you like an increase in your limit. Dummy.
Perfect card!
I had really bad credit when I first opened this credit card last September 2018. I believe my credit score was around 570..Well, since then this citi secure card helped me bring up my EX score to 680 although my Citi card is still secure I have been using it moderately and paying the full balance off every billing cycle. I also wanted to add about a week ago I did a prequlification for a Discover IT card and ws approve for 1800 unsecure credit card. I will update if and when my citi card graduates!
Within the first month
I have had this card only 3 weeks & my credit already went up 52 on TransUnion 42 on Equifax & 40 on Experian pretty awesome & the Citibank app is awesome very clean looks nice will check back after 90 days & then 6 months & then a year to see how my score progressed
Within the first month
So
A great place to start rebuilding
I have had this card about 6 months and I have zero complaints. Customer service is very friendly, and my score keeps going up with on time payments.
A waste of time and effort.
Easy app process because you're paying them. It did nothing for my score. Why waste your time and money? I've had it a year, paid on time and still no change.
What's in your credit report though
Score booster
This card is great for boosting your credit score you won’t see any changes over night but you will see it get their over time when I got this card my scores was in the 500’s now my score’s are in the 6’s when I called customer service they said with good use of this card they will change it over to a regular card and I would get my deposit back after 18 months and I will have an option of getting a citi diamond preferred Or a citi double cash as an option so to anyone looking to boost their score in 18 months and get their foot in cities door this is the way to go the card offers price rewind which lets you get some of you money back it you paid for an item with your citi card and seen it somewhere else that was cheaper and this card also offers free fico score when you log in you won’t see it right away after logging in on the app until after a month good luck guys
Just the card I needed
Immediately improved my credit. Get this card. I trust Citibank.