The Latest Trend In Citi Diamond Preferred

The CITI Diamond Preferred card provides one of the most long no-fee introductory interest rates for balance transfers available on the market. It is an all-inclusive standard, with no-fee balance transfer option for those with excellent credit. With this special offer, you can enjoy the lowest credit card rates at the best values available with no annual fee. The benefits of transferring your balances to this card are:

No annual fee. With the no interest-free option of the CITI diamond Preferred card, you enjoy interest-free period of two and a half years on purchases of air travel, hotels, cars, recreation, dining and so on. During this period, you also enjoy zero percent APR on balance transfers for an entire 18 months. You can pay off the balance in full every month and avoid added finance charges, application and processing fees.

Zero percent APR. When you pay the entire balance in full every month, there is no balance transfer APR charged. In addition, the CITI Diamond Preferred card is offered with a long 0 percent APR for the first eighteen months after you apply. This is the equivalent of twelve months of zero percent APR. This gives you the greatest value for your money.

Long 0% APR. The CITI Diamond Preferred credit card offers low interest on balance transfers for the first eighteen months. This means that even after the introductory period, you enjoy long 0% APR on your purchases. It s a great value for money. Other zero-interest introductory offers are offered by other credit card companies, but they come with an inevitable long balance transfer fee and a high annual fee.

No annual fee. CITI Diamond Preferred credit card offers interest-free grace periods on your purchases for up to three years. This is an excellent value that allows you to take advantage of the 0% APR offer and pay nothing extra for your purchases during this period. This offers the greatest value and long term benefit to you.

No foreign transaction fee. The foreign transaction fee charged by most plastic cards can be as much as three or four percent of your total purchase. CITI Diamond Preferred credit cardholders do not have to pay this fee. As a reward for being a valued customer, they are able to enjoy low foreign transaction fees on their purchases for a minimum of eighteen months. This could make all the difference when planning your purchases for the festive season.

No balance transfer fee. CITI Diamond Preferred cardholders enjoy zero interest charges on purchases during the introductory period but must maintain their monthly balance at a constant rate in order to keep the benefits. A high percentage of cardholders who make regular purchases will find themselves with a substantial balance after the introductory period has ended and they are unable to pay off their balance due to high ongoing interest rates. By choosing to carry a Diamond Preferred card, cardholders avoid this problem. You could make purchases anywhere that makes sense and pay no interest as long as your balance remains at a consistent level.

No balance transfers. The variable APR period offered by CITI Diamond Preferred offers cardholders flexibility. Cardholders can choose to make unlimited purchases for a year from the start of their introductory APR period up to 18 months after the end of the period. As long as you don't exceed your credit limits, you will continue to enjoy the zero rate finance charges and zero APRs offered by CITI Diamond Preferred.

No interest-free period ends. The interest-free period ends once your balance transfers to CITI Diamond Preferred or once you send an invoice to the company. At that point, the interest-free period begins, providing additional savings on future purchases. You'll also continue to enjoy the same low APRs as before as long as your credit card company is processing your request.

No special access. Credit card companies are prohibited from requiring cardholders to participate in any particular credit card program. If a participating credit card offers cardholders special access (such as being able to shop at select retailers) without charge, the Diamond Preferred card offers cardholders no such benefits. CITI Diamond Preferred cardholders can enjoy the same low interest rates as other cardholders without the added benefits of special access.

A long introductory offer lasts. CITI Diamond Preferred cards typically last for a full year, whereas most credit card companies have interest charges of just twelve to twenty-four months. If you transfer your CITI Diamond Preferred balance to another CITI card and then use the new card to make purchases, you will continue to enjoy the low interest charges. CITI Diamond Preferred cardholders also don't have to pay any application fees or monthly maintenance fees during this introductory period. After the introductory period, however, cardholders must pay all applicable interest charges. After that, it's back to the same monthly mortgage payment, late payment charges, and other typical credit card business.

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