Having access to a line of credit is very popular in this increasingly technological society we live in. Credit cards are easier to handle than cash and generally more secure than cash as well. But since the Citicards credit card is one of the most secure and largest credit card providers, and offers some of the best credit card offers , not everyone will qualify.

Their size and stability allows them to be more selective about their cardholders, but it’s important to know how to qualify for their card before you apply. Applying and getting rejected can impact your credit, so it’s best to increase your chances for success.

First of all, as with any credit card, you cannot apply for a Citicards credit card until you are 18 years of age. This is the age that according to the law you are old enough to enter into a contract, and that is exactly what a credit card is. It is also vital that you have a steady source of income.

Normally, in order to qualify, you need to have held a job for at least 4 or 5 months for this to be seen as steady employment. This goes a long way in proving your ability to provide a reliable repayment source and your reliability as an employee.

Another important factor is your current credit history. With a Citicards credit card, their restrictions on this can be somewhat strict. Normally, if you have no credit history they will not issue you a credit card. If they do offer you one then the interest rate is likely going to be much higher than it might be for a majority of cardholders.

Since your credit history provides the company’s main source for your reliability on repaying your debts, not having any history at all can sometimes be harder to overcome than having some bad history.

However, unless your credit score is well over 600 and into the 700s then Citicards will probably deny your application. Or you may be granted credit, but at a higher interest rate. Of course this can always be discussed and possibly lowered once you provide some good payment history. If necessary, having a co-signer on the card can help tremendously. Establish a Citicards login and you are on your way to Citicards rewards