Citicards Review

By Kevin Mercadante

 

CitiCards is a veteran company in the online credit reporting and monitoring industry. They offer some excellent credit monitoring along with a $1 first month offer. This gives you access to all three credit bureau reports plus tons of features and benefits. Unlike other services of this nature, customers are also offered the chance to speak live with a credit education specialist who will personally answer all of your credit related questions as well as fully explain all member benefits, assist with fraud and identity theft prevention, and much more.
 

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Features & Highlights

The initial draw to the CitiCards website is their Identity Monitor service. Of course, we have all heard the horror stories which identity theft can lead to, so it definitely pays to protect yourself. This is also a complete package of services and tools. Customers will receive access to all three of their major bureau credit reports, scores, and 24/7 online monitoring. There are customizable alerts which can be sent if there are any key changes that you should know about. The online system and user interface is very simple and easy to understand. The system is very comprehensive, with individual pop-up screens to show just about everything from new accounts and addresses added to your file to inquiries and personalized credit reports and scores.

There are a number of nice extras included in this service as well. For example, being able to speak one-on-one with a credit education specialist can sometimes make the difference between actually knowing what to do to protect yourself and simply guessing. There is also a full line of services in case you become a victim of identity theft as well. This includes identity theft reimbursement insurance of up to $25,000 (Florida residents not eligible).

Sign Up Process

Signing up for the Citi Cards Identity Monitor service is incredibly easy and straightforward. It is a bit more comprehensive than most for your own protection. You will need to provide some personally identifiable information such as contact details, phone number, and of course your social security number. This is simply used to identify you and allow you access to your credit files and scores. There are no real surprises when going through the process, simply follow the directions and after about 2 or 3 minutes your account is established. You may pay the initial $1 charge via almost any type of credit or debit card you like.

Pricing Concerns

Making sure to get your money’s worth when joining such a service is certainly important. The first thing to bear in mind here is that this is done through Citi Financial, a very well-respected and trusted company. They even offer a $1 trial for the first 30 days. This already puts you ahead of the game since most competitors only offer a measly 7-day trial. After this month, your membership will continue at just $12.95 per month, one of the lowest ongoing prices for this type of service. There is never any obligation, so feel free to cancel any time.

Customer Support

Reaching customer support is also quite easy. For more general questions, simply click on the FAQs link at the bottom of every page on the site. This will bring up a very comprehensive list of the most commonly asked questions and answers. You may also choose to send an email; expect an answer within a few hours if you are contacting during normal business hours. The toll-free phone line is also an excellent method for direct access.

Ease Of Use

This is also one of the easiest services to use. The user interface is very clear with all the buttons and links taking you to exactly the location which is expected. The reports also contain personalized advice and information designed to help with understanding and to guide customers towards improving the report. Pop-ups forms also allow you to easily see who has made inquiries or changes to any of your accounts.

Bottom Line

This is simply one of the best online monitoring services available. The tools and features are easy to use and very comprehensive, offering excellent protection.
 

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Physical Address

Citi Inquiries: 

PO Box 6500, 
Sioux Falls, SD 57117
USA

 

  About Kevin Mercadante

 Kevin Mercadante is a freelance professional personal finance blogger,
 and the owner of his own personal finance blog, OutOfYourRut.com. He
 has extensive backgrounds in both accounting and the mortgage industry.
 Follow Kevin on Google+.

 

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