Instant approval to Citibank’s online credit card application

You have completed your online research and decided to switch your credit card company.  You now want things to happen quickly and without any hassles.  Your prospective new card issuer shares the same goal, too.  This is their first encounter with you so they will be out to impress.

They make the credit card application process as painless as possible.  Our online application forms are easy to follow and are designed to provide them with basic information about your income and financial stability, employment and residential history, assets and liabilities including details of all borrowings and credit cards.  If you have been doing your credit card research with us, you can directly access the application forms for most credit cards issuers via our website.

Banks and other financial credit card users promise “instant approvals’.  Well they are almost ‘instant’ – their computers work out a credit score based on the information you supply and almost immediately advise whether your application has been approved or declined, and the credit card limit.  It is important to note that the approval needs to be confirmed once the information you have submitted has been verified.  They can take a few business days to carry out the verification process and to post your new credit card to you.  If you are applying to transfer credit balance, this can take a little longer.

An attractive package available at the moment is from Citibank credit cards.

The Citibank Clear Visa card has many of the ‘hot’ marketing features currently being offered in Australia.  It has an attractive 14.49% normal interest rate and just 2.9% for six months on your existing credit cards balances transferred to the new card.  Up to 55 days interest-free on purchases applies if there is no carryover balance from the previous monthly statement.  Their annual fee of $65 for the first Clear Visa card issued and $19 for each additional cardholder – is about average.  Cash advances are charged at the rate of 20.74%.

A difference with the Citibank Clear Visa card is the linked Citibank World Privileges which provides exclusive upgrades and discounts at hotels, restaurants, shops and entertainment across Australia and the world.  Through their Visa association, cardholders can also access the very best entertainment including tickets for movies, live shows, sporting events and entertainment.

Finally, if your credit score supports it, you can get a credit limit of up to $20,000 on this card.

With the Citibank Clear Visa credit card, their ‘instant approval’ could prove to be just the beginning of a mutually rewarding association.