Last Updated: 04/18/2025
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Citibank Custom Credit Line Review
Citibank Custom Credit Line FAQ
What APRs does Citibank Custom Credit Line offer?
Does the Citibank Custom Credit Line charge an origination fee?
Does the Citibank Custom Credit Line charge a cash advance fee?
Does Citibank Custom Credit Line charge a late fee?
Yes, Citibank Custom Credit Line may charge borrowers a late payment fee of up to $10 .How much can you borrow via Citibank Custom Credit Line?
| Cash Advance Fee | N/A |
| Origination Fee | No |
| Prepayment Fee? | No |
| Late Payment Fee | Starting at $10 |
| Statement Balance Fee | No |
| Billing Cycle Charge | No |
What do you need to qualify for Citibank Custom Credit Line?
Applicants with a credit score of at least 600 and up to 850 may be eligible for Citibank Custom Credit Line. The minimum age to be eligible is 18 or the state minimum, whichever is higher.Does Citibank Custom Credit Line report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Citi® perform a hard credit pull?
How to apply for Citibank Custom Credit Line
- Visit the Citibank Custom Credit Line website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
Citibank Custom Credit Line Disclosure: To qualify for a Custom Credit Line, you must have both (1) a Citibank deposit account balance of $500 or more and (2) at least 3 months of tenure on a Citibank deposit account, a linked Citibank Mortgage or a Citi credit card (Sears, Macy's, Home Depot and other retail partner cards excluded) at the time of application. Rates as of 03/14/2019. Your APR may be as low as 10.49% variable APR or as high as 22.49% variable APR (may vary by state). To qualify for the lowest rate, customers must use Citibank Auto Deduct (an automated monthly debit from a Citibank deposit account) for repayment, meet eligible Citi relationship balance requirements, and have an excellent credit history. Lower rates are available for Citigold and Citi Priority customers and customers with $200,000 or more in eligible relationship balances. If you are in default, your Annual Percentage Rate may increase by 2.00%. Annual Fee of $50 waived for Citigold and Citi Priority customers and anyone who takes a loan or makes a payment on their account once during the year. Personal lines and personal loans are made available by Citibank, N.A.
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