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!
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 24.74%* Variable
- Annual Fee $0
- Purchase Intro APR Not Applicable
- Purchase Regular APR 24.74%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I applied for this card on 4/22/2018 and it took until 6/17/2018 to be approved. In that time period I applied for a card with Discover and was approved in ten minutes over the phone. There was no change to my credit in that time period to affect either decision. Once I started to use my Discover card I realized that it was literally better than the Citi card in every way. I called to cancel my Citi card and was told they would mail their credit approval department (they couldn't even call their own employees). After my experiences with Citi and their customer service I recommend that you only apply for this card if you have no other option. The card has no benefits, they take forever, and there are much better options out there with either Discover or Capital One.
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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.
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