After you've decided on the type of credit you need and how much you can afford, follow these steps for maintaining a good credit history.

  • Shop around for the best credit terms.
  • Understand the terms of the agreement before you accept a loan or credit card.
  • Save money each payday for emergencies.
  • Set a monthly limit for charges and stick to it.
  • Shop as carefully with credit as you do with cash.
  • Don't take on monthly credit payments unless you're certain you can meet them.
  • Pay bills promptly and in full to keep interest charges low.
  • If you charge day-to-day expenses, pay them in full each month.
  • Keep credit card information (including the phone number of the issuer) in a safe place in case your cards are lost or stolen
  • Keep copies of your sales slips and compare the charges when bills arrive. If there's a mistake, call your issuer right away.

To know more about Citibank’s credit offerings, visit