What is your credit history?
In the Philippines, there are data service providers which process and organize credit information on the clients of financial institutions. Having ready access to credit information allows financial institutions to make fast, informed, reliable and objective decisions about your credit history.
Things to note about your credit history
Do not spend beyond your limit. Do not spend or borrow more than what you can repay.
Pay at least the Minimum Amount Due on time to avoid late fees. Whenever possible, pay your Citi credit card bill in full every month to avoid late fees and interest charges.
See how your interest charges are calculated here.
Review your online statement of account once you have received it. Get notified when your statement is ready by enabling Push Notifications on the Citi Mobile® App. Plus, you can easily check your outstanding balance, available limit, latest transactions and more on the app.
Be aware of the due dates of your loans or credit card bills and penalties for late payments. Here are some ways you can easily avoid late charges or fees: