PRSTGRICA1112 
CARD AGREEMENT 

This Card Agreement is your contract with us.  It governs the use 
of your card and account. The enclosed Facts About Interest and 
Fees (“Fact Sheet”) is part of this Agreement.  Please read this 
Agreement, including the Fact Sheet, carefully.  Keep them for 

your records.  

Definitions 

account means the relationship established between you and us 

by this Agreement. 

APR means an annual percentage rate. 
authorized user means any person you allow to use your ac-
count. 
card means one or more cards or other access devices that we 
give you to get credit under this Agreement.  This includes ac-
count numbers. 
we, us, and our mean Citibank, N.A., the issuer of your account. 
you, your, and yours mean the person who applied to open the ac-
count.  It also means any other person responsible for complying with 
this Agreement.   

Your Account 

You agree to use your account in accordance with this Agree-
ment.  You must pay us for all amounts due on your account.  
This Agreement is binding on you unless you close your account 
within 30 days after receiving the card and you have not used or 
authorized use of the card.  Your account must only be used for 
lawful transactions.   

Authorized Users.  You may request additional cards for autho-
rized users.  You must pay us for all charges made by authorized 
users.  You must pay us even if you did not intend to be responsi-
ble for those charges.  You must notify us to withdraw any per-
mission you give to an authorized user to use your account.   

Revolving Credit Limit.  Your initial revolving credit limit is on the 
card carrier.   The full amount of your revolving credit limit is 
available to use where the card is honored.  Part of your revolving 
credit limit is called the cash advance limit.  It is available for cash 
advances.  We may reduce or increase your revolving credit limit 
or cash advance limit at any time for any reason as permitted by 
law.  We will notify you of any change, but the change may take 
effect before you receive the notice.  Your account does not have 
a pre-set spending limit.  As a result, we may permit you to incur 
charges that cause your New Balance to go over your revolving 
credit limit. We evaluate these charges based on your account 
performance, other credit accounts with us, and experience with 
other creditors.  Your minimum payment due will include the 

amount by which your New Balance goes over your revolving 
credit limit.  You must pay this amount whether it is due to pur-
chases, cash advances, interest charges, fees, or other charges.   

Checks.  We may provide you with balance transfer checks.  You 
may use them to transfer a balance to your account or make other 
transactions.  We may also provide you with cash convenience 
checks.  You may use them to get a cash advance.  Use of a 
cash convenience check will be a cash advance even if you use 
the check to make a payment to another creditor.  You may not 
use balance transfer checks or cash convenience checks to pay 
an amount owed to us under this Agreement or to pay another 
account with us or an affiliate.  We do not certify these checks or 
return any checks that have been paid.  

Billing Statement.  Your billing statement shows the New Bal-
ance.  This is the total amount you owe us on the Statement 
Closing Date.  To determine the New Balance, we begin with the 
total balance at the start of the billing period.  We add any pur-
chases, balance transfers or cash advances.  We subtract any 
credits or payments.  We then add any interest charges or fees 
and make other adjustments.  

We deliver a billing statement to only one address.  You must 
notify Customer Service of a change in address.  We may stop 
sending you statements if we deem your account uncollectible or 
start collection proceedings; but we may continue to add interest 
and fees as permitted by law. 

APRs 

Account APRs.  For the APRs on your account, see the Fact 
Sheet. 

Variable APRs Based on Prime.  If any APR is based on the 
U.S. Prime Rate (“Prime Rate”), the APR will equal the Prime 
Rate plus an additional amount.  The additional amount appears 
on the Fact Sheet in the Details About Your Interest Rate table.  If 
the Prime Rate increases, it will cause the APR to increase.  If the 
Prime Rate decreases, it will cause the APR to decrease.  For 
each billing period we use the Prime Rate published in The Wall 
Street Journal two business days before the Statement Closing 
Date.  If the Prime Rate causes an APR to change, we put the 
new APR into effect as of the first day of the billing period for 
which we calculate the APR.  We apply the new APR to any exist-
ing balances, subject to any promotional rate that may apply.  If 
The Wall Street Journal does not publish the Prime Rate, we will 
use a similar published rate.   

Penalty APR.  The Penalty APR may be applied to your account 
if you: 

  make a late payment or 
  make a payment that is returned. 

1 

We set your Penalty APR based on your creditworthiness.   

If the Penalty APR is applied to your account because you make 
a late payment that is not more than 60 days late or make a pay-
ment that is returned, it will apply only to new transactions and 
may continue to apply indefinitely.  However, if the Penalty APR is 
applied to your account because your payment is more than 60 
days late, the Penalty APR will apply to both existing and new 
transactions.  It will no longer apply to existing transactions if you 
make the next six consecutive minimum payments when due.  If 
you do not make these six consecutive minimum payments, the 
Penalty APR may continue to apply to both new and existing 
balances indefinitely. 

Effect of APR Increases.   If an APR increases, interest charges 
increase.  Your minimum payment may increase as well.  

Interest Charges Based on APRs 

Interest Charges.  We impose interest charges when we apply 
APRs to your account balances.  We do this every day by using a 
daily periodic rate.  To get a daily periodic rate, we divide the APR 
by 365.   

When Interest Charges Begin.  We begin to impose interest 
charges the first day we add a charge to a daily balance.  The 
charges we add to a daily balance include purchases, balance 
transfers, and cash advances.  They also include interest charges 
and fees.  We continue to impose interest charges until we credit 
your account with full payment of the total amount you owe us.   

Grace Period on Purchases.  You can avoid interest charges on 
purchases, but not on balance transfers and cash advances.  This 
is called a grace period on purchases.  The grace period is at 
least 23 days.  To get a grace period on purchases, you must pay 
the New Balance in full by the due date every billing period.  If you 
do not, you will not get a grace period until you pay the New Bal-
ance in full for two billing periods in a row.  Certain balance trans-
fer offers may take away the grace period on purchases.  If that is 
the case, the balance transfer offer will describe what happens.  

Calculation of Interest Charges—Daily Balance Method (In-
cluding Current Transactions).  We calculate interest charges 
each billing period.  To do this: 

  We start with each of your different balances.  These bal-

ances include, for example, standard purchases, standard 
cash advances, and different promotional balances.  (When 
we calculate interest charges, we treat balance transfers as 
standard purchases unless a promotional rate applies.)  

  We calculate the daily balance for each of your different 

balances.  To get a daily balance, we start with the balance 
as of the end of the previous day.  We add any interest 

 
 
 
 
charge on the previous day’s balance.  (This results in daily 
compounding of interest charges.)  We add any new 
charges.   We then subtract any new credits or payments.   

  We multiply each daily balance by the daily periodic rate 
that applies to it.  We do this for each day in the billing pe-
riod.  This gives us the daily interest charges for each of 
your different balances.   

  We add up all the daily interest charges.  The sum is the to-

tal interest charge for the billing period. 

When we calculate daily balances, we add a purchase as of the 
Sale Date on the billing statement.  We add a balance transfer or 
cash advance as of the Post Date on the billing statement.  (The 
Post Date is the date we get a request to complete a balance 
transfer or cash advance transaction. When you send a balance 
transfer or cash convenience check directly to someone, the Post 
Date is the date we receive the check for payment.)  We add a 
transaction fee to the same balance as the transaction.  We gen-
erally add other fees to the standard purchase balance.  We sub-
tract a payment or credit as of the day it is credited to the account 
and then make other adjustments.  We treat a credit balance as a 
balance of zero.   

Balance Subject to Interest Rate.  Your statement shows a 
Balance Subject to Interest Rate.  It shows this for each different 
balance.  The Balance Subject to Interest Rate is the average of 
the daily balances during the billing period.  A billing period begins 
on the day after the Statement Closing Date of the previous billing 
period.  It includes the Statement Closing Date of the current 
billing period. 

  MasterCard uses a conversion rate in effect one day before 
its transaction processing date.  It uses a government-
mandated rate if required to do so.  If not, it uses a whole-
sale market rate.    

  Visa uses a conversion rate in effect on its applicable central 
processing date.  It uses a government-mandated rate if re-
quired to do so.  If not, it selects from the range of rates 
available in wholesale currency markets.  The selected rate 
may vary from the rate Visa receives.   

  American Express uses any conversion rate required by ap-
plicable law.  If there is none, it uses the highest interbank 
rate it selects on the business day before the day it 
processes the transaction.   

A third party may convert a transaction into U.S. dollars or anoth-
er currency before sending it to our network provider.  In these 
cases, the third party selects the conversion rate.   

If you take a cash advance in a foreign currency at a branch or 
ATM of one of our affiliates, an affiliate of ours will convert it into 
U.S. dollars.  This applies regardless of which network provider’s 
card you use to take the cash advance.  Our affiliate currently 
uses a conversion rate in effect on its processing date.  It uses a 
government-mandated rate if required to do so.  If not, it uses a 
mid-point market rate.  Our affiliate’s procedure may change from 
time to time without notice.    

The conversion rate you get is the one used on the transaction’s 
processing date.  This may be different from the one in effect on 
the transaction’s Sale Date or Post Date.   

Fees 

Payments  

Annual Membership Fee.  If an annual membership fee applies, 
the Fact Sheet shows it.  We will refund this fee if you notify us 
that you are closing your account within 30 days of the mailing or 
delivery date of the statement on which the fee appears.  The fee 
is otherwise non-refundable.  

Transaction Fee for Balance Transfers.  The Fact Sheet shows 
the amount of this fee.  We add this fee for each balance transfer.  
This fee is in addition to any periodic fee that may be imposed 
with a promotional offer.  You make a balance transfer when you 
use a balance transfer check or contact us to transfer a balance.   

Information on Foreign Currency Conversion  

Our network providers are MasterCard, Visa, and American Ex-
press.  They convert transactions in foreign currencies into U.S. 
dollars.  The type of card you have determines who does the 
conversion.  Each network provider follows its own procedures.  
Each network provider’s current procedures are described below.  
The procedures may change from time to time without notice.    

Minimum Payment Due.   You must pay at least the Minimum 
Payment Due by the payment due date each billing period.  The 
sooner you pay the New Balance, the less you will pay in interest 
charges. 

To calculate the Minimum Payment Due, we begin with any past 
due amount. We then add any amount in excess of your revolving 
credit limit. We also add the largest of the following: 

  The New Balance on the billing statement if it is less 

than $20; 

  $20 if the New Balance is at least $20; 

  1% of the New Balance (the result is rounded down 
to the nearest dollar) plus the amount of your billed 
interest charges, any applicable late fee, and any 
applicable minimum interest charge; or 

  1.5%  of  the  New  Balance  (the  result  is  rounded 

down to the nearest dollar). 

2 

When we calculate the Minimum Payment Due, we may subtract 
from the New Balance certain fees added to your account during 
the billing period.  We may also include in the Minimum Payment 
Due any additional amount specified in a promotional offer.  The 
balance of any such promotional offer is not included in the four 
bullets above.  The Minimum Payment Due is never more than the 
New Balance.   

Application of Payments.  Payments in excess of the Minimum 
Payment Due are applied in accordance with law.  This means 
that we will generally apply payments in excess of the Minimum 
Payment Due to balances with higher APRs before balances with 
lower APRs.  We generally apply payments equal to or less than 
the Minimum Payment Due and credits to lower APR balances 
first. 

Payment Instructions.  We credit your payments in accordance 
with our payment instructions on the billing statement.  You must 
pay us in U.S. dollars.  To do so, you must use a check, similar 
instrument, or electronic debit that is drawn on and honored by a 
bank in the U.S.  Do not send cash.  We can accept late or partial 
payments, or payments that reflect “paid in full” or other restrictive 
endorsements, without losing our rights.  We also reserve the 
right to accept payments made in foreign currency and instru-
ments drawn on funds on deposit outside the U.S.  If we do, we 
select the currency conversion rate.  We will then credit your 
account in U.S. dollars after deducting any costs incurred in 
processing your payment.  Or we may bill you separately for 
these costs.   

Optional Pay by Phone Service.  You may use our optional Pay 
by Phone Service to make your payment by phone.  To do so, call 
us to request the service.  You agree to pay us the Pay by Phone 
fee shown in the Pay by Phone section on the back of the billing 
statement when a representative of ours helps expedite your pay-
ment.  Our representatives are trained to tell you this amount 
when you use this service.   

Credit Reporting  

We may report information about your account to credit bureaus.  
Late payments, missed payments, or other defaults on your ac-
count may be reflected in your credit report.  We may report ac-
count information in your name and the names of authorized 
users.  We may also obtain follow-up credit reports on you.     

If you think we reported incorrect information to a credit bureau, 
write us at the Customer Service address on the billing statement.  
We will investigate the matter.  We will then tell you if we agree or 
disagree with you.  If we agree with you, we will contact each 
credit bureau to which we reported and request a correction.  If 
we disagree with you, we will tell you that.  

 
 
Information Sharing  

You authorize us to share information about you as permitted by 
law.  This includes information we get from you and others.  It 
also includes information about your transactions with us.  Please 
see our Privacy Notice for details about our information sharing 
practices.  

Changes to this Agreement  

We may change the rates, fees, and terms of this Agreement 
from time to time as permitted by law.  The changes may add, 
replace, or remove provisions of this Agreement.  We will 
give you advance written notice of the changes and a right to 
opt out to the extent required by law. 

Default  

You default under this Agreement if you fail to pay the Minimum 
Payment Due by its due date; pay by a check or similar instru-
ment that is not honored or that we must return because it cannot 
be processed; pay by electronic debit that is returned unpaid; file 
for bankruptcy; or default under any other Card Agreement that 
you have with us.  If you default, we may close your account and, 
to the extent permitted by law, demand immediate payment of the 
total balance.  If you gave us a security interest in a Certificate of 
Deposit, we may use the deposit amount to pay any amount you 
owe. 

Refusal of the Card, Closed Accounts,  
and Related Provisions  

Refusal of the Card.  We do not guarantee approval of transac-
tions.  We are not liable for transactions that are not approved.  
That is true even if you have enough credit.  We may limit the 
number of transactions approved in one day.  If we detect unusual 
or suspicious activity, we may suspend your credit privileges.  

Preauthorized Charges.   We may suspend any automatic or 
other preauthorized card charges you arrange with a third party.  
We may do this if you default; if the card is lost or stolen; or we 
change your account for any reason.  If we do this, you are re-
sponsible for paying the third party directly if you wish to do so.  
You are also responsible for reinstating the preauthorized charges 
if you wish to do so and we permit it.  

Lost or Stolen Cards, Account Numbers, or Cash Conveni-
ence and Balance Transfer Checks.  You must call us if any 
card, account number, or check is lost or stolen.  You must also 
call us if you think someone used or may use them without per-
mission.  When you call, we may require you to provide informa-
tion to help our investigation.  We may require you to provide this 
information in writing.  For example, we may ask you to identify 
any charges that were not made by you or someone authorized 

by you.  We may also ask you to confirm that you received no 
benefit from those charges.  

may award relief only on an individual (non-class, non-
representative) basis. 

Closing Your Account.   You may close your account by notify-
ing us in writing or over the phone. If you close your account, you 
must still repay the total balance in accordance with this Agree-
ment.  We may also close your account or suspend account privi-
leges at any time for any reason.  We may do this without prior 
notice to you.  We may also reissue a different card at any time.  
You must return any card to us upon request.  

Closing Secured Accounts.  If your account is a secured ac-
count, you gave us a security interest in a Certificate of Deposit.  
This secures repayment of your account.  If you withdraw your 
funds from the Certificate of Deposit, we will close your account.  

ARBITRATION  

PLEASE READ THIS PROVISION OF THE AGREEMENT 
CAREFULLY.  IT PROVIDES THAT ANY DISPUTE MAY BE 
RESOLVED BY BINDING ARBITRATION.  ARBITRATION 
REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE 
RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A 
CLASS ACTION OR SIMILAR PROCEEDING.  IN 
ARBITRATION, A DISPUTE IS RESOLVED BY AN 
ARBITRATOR INSTEAD OF A JUDGE OR JURY.  
ARBITRATION PROCEDURES ARE SIMPLER AND MORE 
LIMITED THAN COURT PROCEDURES. 

Agreement to Arbitrate:  Either you or we may, without the 
other’s consent, elect mandatory, binding arbitration for any claim, 
dispute, or controversy between you and us (called “Claims”). 

Claims Covered 

What Claims are subject to arbitration?  All Claims relating to 
your account, a prior related account, or our relationship are sub-
ject to arbitration, including Claims regarding the application, 
enforceability, or interpretation of this Agreement and this arbitra-
tion provision.  All Claims are subject to arbitration, no matter 
what legal theory they are based on or what remedy (damages, or 
injunctive or declaratory relief) they seek.  This includes Claims 
based on contract, tort (including intentional tort), fraud, agency, 
your or our negligence, statutory or regulatory provisions, or any 
other sources of law; Claims made as counterclaims, cross-
claims, third-party claims, interpleaders or otherwise; and Claims 
made independently or with other claims.  A party who initiates a 
proceeding in court may elect arbitration with respect to any Claim 
advanced in that proceeding by any other party.  Claims and 
remedies sought as part of a class action, private attorney general 
or other representative action are subject to arbitration on an 
individual (non-class, non-representative) basis, and the arbitrator 

3 

Whose Claims are subject to arbitration?  Not only ours and 
yours, but also Claims made by or against anyone connected with 
us or you or claiming through us or you, such as a co-applicant or 
authorized user of your account, an employee, agent, representa-
tive, affiliated company, predecessor or successor, heir, assignee, 
or trustee in bankruptcy. 

What time frame applies to Claims subject to arbitration?  
Claims arising in the past, present, or future, including Claims 
arising before the opening of your account, are subject to arbitra-
tion. 

Broadest interpretation.  Any questions about whether Claims 
are subject to arbitration shall be resolved by interpreting this 
arbitration provision in the broadest way the law will allow it to be 
enforced.  This arbitration provision is governed by the Federal 
Arbitration Act (the “FAA”). 

What about Claims filed in Small Claims Court?  Claims filed 
in a small claims court are not subject to arbitration, so long as 
the matter remains in such court and advances only an individual 
(non-class, non-representative) Claim. 

What about debt collections?  We and anyone to whom we 
assign your debt will not initiate an arbitration proceeding to col-
lect a debt from you unless you assert a Claim against us or our 
assignee. We and any assignee may seek arbitration on an indi-
vidual basis of any Claim asserted by you, whether in arbitration 
or any proceeding, including in a proceeding to collect a debt.  
You may seek arbitration on an individual basis of any Claim 
asserted against you, including in a proceeding to collect a debt. 

How Arbitration Works 

How does a party initiate arbitration?  The party filing an arbi-
tration must choose one of the following two arbitration firms and 
follow its rules and procedures for initiating and pursuing an arbi-
tration: American Arbitration Association or JAMS.  Any arbitration 
hearing that you attend will be held at a place chosen by the 
arbitration firm in the same city as the U.S. District Court closest 
to your then current billing address, or at some other place to 
which you and we agree in writing.  You may obtain copies of the 
current rules of each of the arbitration firms and forms and in-
structions for initiating an arbitration by contacting them as fol-
lows: 

American Arbitration Association  
800-778-7879 (toll-free) 
Website: www.adr.org 

 
 
 
 
lawyer who is not our salaried employee.  These costs may in-
clude reasonable attorneys’ fees.  They may also include costs 
and expenses of any legal action.  

Assignment.   We may assign any or all of our rights and obliga-
tions under this Agreement to a third party.  

For Further Information  

Call us toll-free for further information.  Call the toll-free Customer 
Service telephone number shown on the billing statement or on 
the back of your card.  You can also call local or toll-free Directory 
Assistance to get our telephone number. 

Ken Stork 
Vice President 

Citibank, N.A. 
P.O. Box 6000 
Sioux Falls, SD  57117 

JAMS 
800-352-5267 (toll-free) 
Website: www.jamsadr.com 

At any time you or we may ask an appropriate court to compel 
arbitration of Claims, or to stay the litigation of Claims pending 
arbitration, even if such Claims are part of a lawsuit, unless a trial 
has begun or a final judgment has been entered.  Even if a party 
fails to exercise these rights at any particular time, or in connec-
tion with any particular Claims, that party can still require arbitra-
tion at a later time or in connection with any other Claims. 

What procedures and law are applicable in arbitration?  A 
single, neutral arbitrator will resolve Claims.  The arbitrator will be 
either a lawyer with at least ten years experience or a retired or 
former judge, selected in accordance with the rules of the arbitra-
tion firm.  The arbitration will follow procedures and rules of the 
arbitration firm in effect on the date the arbitration is filed unless 
those procedures and rules are inconsistent with this Agreement, 
in which case this Agreement will prevail.  Those procedures and 
rules may limit the discovery available to you or us.  The arbitrator 
will take reasonable steps to protect customer account informa-
tion and other confidential information if requested to do so by you 
or us.  The arbitrator will apply applicable substantive law consis-
tent with the FAA and applicable statutes of limitations, will honor 
claims of privilege recognized at law, and will have the power to 
award to a party any damages or other relief provided for under 
applicable law.  You or we may choose to have a hearing and be 
represented by counsel.  The arbitrator will make any award in 
writing and, if requested by you or us, will provide a brief state-
ment of the reasons for the award.  An award in arbitration shall 
determine the rights and obligations between the named parties 
only, and only in respect of the Claims in arbitration, and shall not 
have any bearing on the rights and obligations of any other per-
son, or on the resolution of any other dispute. 

Who pays?  Whoever files the arbitration pays the initial filing fee.  
If we file, we pay; if you file, you pay, unless you get a fee waiver 
under the applicable rules of the arbitration firm.  If you have paid 
the initial filing fee and you prevail, we will reimburse you for that 
fee.  If there is a hearing, we will pay any fees of the arbitrator and 
arbitration firm for the first day of that hearing.  All other fees will 
be allocated as provided by the rules of the arbitration firm and 
applicable law.  However, we will advance or reimburse your fees 
if the arbitration firm or arbitrator determines there is good reason 
for requiring us to do so, or if you ask us and we determine there 
is good reason for doing so.  Each party will bear the expense of 
that party’s attorneys, experts, and witnesses, and other ex-
penses, regardless of which party prevails, but a party may re-
cover any or all expenses from another party if the arbitrator, 
applying applicable law, so determines. 

Who can be a party?  Claims must be brought in the name of an 
individual person or entity and must proceed on an individual 
(non-class, non-representative) basis.  The arbitrator will not 
award relief for or against anyone who is not a party.  If you or we 
require arbitration of a Claim, neither you, we, nor any other per-
son may pursue the Claim in arbitration as a class action, private 
attorney general action or other representative action, nor may 
such Claim be pursued on your or our behalf in any litigation in 
any court.  Claims, including assigned Claims, of two or more 
persons may not be joined or consolidated in the same arbitration.  
However, applicants, co-applicants, authorized users on a single 
account and/or related accounts, or corporate affiliates are here 
considered as one person. 

When is an arbitration award final?  The arbitrator’s award is 
final and binding on the parties unless a party appeals it in writing 
to the arbitration firm within fifteen days of notice of the award.  
The appeal must request a new arbitration before a panel of three 
neutral arbitrators designated by the same arbitration firm.  The 
panel will consider all factual and legal issues anew, follow the 
same rules that apply to a proceeding using a single arbitrator, 
and make decisions based on the vote of the majority.  Costs will 
be allocated in the same way they are allocated for arbitration 
before a single arbitrator.  An award by a panel is final and bind-
ing on the parties after fifteen days has passed.  A final and bind-
ing award is subject to judicial review and enforcement as pro-
vided by the FAA or other applicable law. 

Survival and Severability of Terms 

This arbitration provision shall survive:  (i) termination or changes 
in the Agreement, the account, or the relationship between you 
and us concerning the account; (ii) the bankruptcy of any party; 
and (iii) any transfer, sale or assignment of your account, or any 
amounts owed on your account, to any other person or entity.  If 
any portion of this arbitration provision is deemed invalid or unen-
forceable, the entire arbitration provision shall not remain in force.  
No portion of this arbitration provision may be amended, severed 
or waived absent a written agreement between you and us.  

Governing Law and Enforcing our Rights  

Governing Law.   Federal law and the law of South Dakota, 
where we are located, govern the terms and enforcement of this 
Agreement.  

Enforcing this Agreement.  We will not lose our rights under this 
Agreement because we delay in enforcing them or fail to enforce 
them.  

Collection Costs.  To the extent permitted by law, you are liable 
to us for our legal costs if we refer collection of your account to a 

4 

 
 
 
 
 
 
 
 
 
 
 
 
Your Billing Rights:  Keep this Document for Future Use  

This notice tells you about your rights and our responsibili-
ties under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If you think there is an error on your statement, write to us at the 
address for billing inquiries and correspondence shown on the 
front of your statement.     

In your letter, give us the following information: 

  Account information:  Your name and account number. 
  Dollar amount:  The dollar amount of the suspected error. 
  Description of problem:  If you think there is an error on your 
bill, describe what you believe is wrong and why you believe 
it is a mistake.   

You must contact us: 

  Within 60 days after the error appeared on your statement. 
  At least 3 business days before an automated payment is 
scheduled, if you want to stop payment on the amount you 
think is wrong. 

You must notify us of any potential errors in writing.  You may 
call us, but if you do we are not required to investigate any po-
tential errors and you may have to pay the amount in question. 

What Will Happen After We Receive Your Letter 

   When we receive your letter, we must do two things: 

1.  Within 30 days of receiving your letter, we must tell you that 
we received your letter. We will also tell you if we have al-
ready corrected the error. 

2. Within 90 days of receiving your letter, we must either cor-

rect the error or explain to you why we believe the bill is cor-
rect. 

   While we investigate whether or not there has been an 
error: 

  We cannot try to collect the amount in question, or report 

you as delinquent on that amount.   

  The charge in question may remain on your statement, 
and we may continue to charge you interest on that 
amount.  

  While you do not have to pay the amount in question, you 

are responsible for the remainder of your balance. 

  We can apply any unpaid amount against your revolving 

credit limit.   

After we finish our investigation, one of two things will hap-
pen: 

  If we made a mistake: You will not have to pay the 

amount in question or any interest or other fees related to 
that amount. 

  If we do not believe there was a mistake:  You will have 
to pay the amount in question, along with applicable in-
terest and fees.  We will send you a statement of the 
amount you owe and the date payment is due.  We may 
then report you as delinquent if you do not pay the 
amount we think you owe. 

 If you receive our explanation but still believe your bill is wrong, 
you must write to us within 10 days telling us that you still refuse 
to pay.  If you do so, we cannot report you as delinquent without 
also reporting that you are questioning your bill.  We must tell you 
the name of anyone to whom we reported you as delinquent, and 
we must let those organizations know when the matter has been 
settled between us. 

If we do not follow all of the rules above, you do not have to pay 
the first $50 of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit  
Card Purchases 

If you are dissatisfied with the goods or services that you have 
purchased with your credit card, and you have tried in good faith 
to correct the problem with the merchant, you may have the right 
not to pay the remaining amount due on the purchase.  

To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or 
within 100 miles of your current mailing address, and the 
purchase price must have been more than $50.  (Note:  Nei-
ther of these are necessary if your purchase was based on 
an advertisement we mailed to you, or if we own the com-
pany that sold you the goods or services.) 

2. You must have used your credit card for the purchase.  Pur-
chases made with cash advances from an ATM or with a 
check that accesses your credit card   account do not quali-
fy. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with 
the purchase, contact us in writing at the address for billing inqui-
ries and correspondence shown on the front of your statement.   

5 

While we investigate, the same rules apply to the disputed 
amount as discussed above.  After we finish our investigation, we 
will tell you our decision.  At that point, if we think you owe an 
amount and you do not pay, we may report you as delinquent. 

© 2012 Citibank, N.A. 

PRSTGRICA1112 

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Pricing Information Table 

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

6.99% up to 25.24% 

Some APRs may vary with the market based on the Prime Rate. 

APR for Cash Advances 

25.24% 

Some APRs may vary with the market based on the Prime Rate. 

Penalty APR and When it 
Applies 

Up to 29.99%, based on your creditworthiness.  This APR will vary with the market 
based on the Prime Rate. 

This APR may be applied to your account if you: 

(1)  Make a late payment or 

(2)  Make a payment that is returned. 

How Long Will the Penalty APR Apply?  If your APRs are increased for either of 
these reasons, we will lower the Penalty APR if you make 6 consecutive minimum 
payments on time and do not do either (1) or (2) above on any account you have 
with us during that time period. 

Paying Interest 

Your due date is at least 23 days after the close of each billing cycle.  We will not 
charge you any interest on purchases if you pay your entire balance by the due date 
each month.  We will begin charging interest on cash advances and balance transfers 
on the transaction date. 

Minimum Interest Charge 

If you are charged interest, the charge will be no less than 50 cents. 

How We Calculate Your 
Balance  

Daily Balance 

Fees 

Annual Fee 

Up to $500 

Transaction Fees 

  Balance Transfer 

Either $5 up to $99 or 3% up to 9.99% of the amount of each transfer, whichever is 
greater.   

  Cash Advance 

  Foreign Purchase 

Transaction 

None 

None  

Penalty Fees 

  Late Payment 

  Returned Payment 

Up to $35 

Up to $35 

 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
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Details About Your Interest Rates and 
Interest Calculations 

Daily Periodic Rate 

For variable rates: 
U.S. Prime Rate Plus 

Purchases   

Cash Advances 

Penalty APR 

0.01915 % up to 0.06915% 

3.74% up to 21.99% 

0.06915% 

21.99% 

Up to 0.08216% 

Up to 26.74% 

Variable APRs Based on Prime.  If any APR is based on the U.S. Prime Rate (“Prime Rate”), the APR will equal the 
Prime Rate plus the additional amount shown above.  If the Prime Rate increases, it will cause the APR to increase.  
If the Prime Rate decreases, it will cause the APR to decrease.  For each billing period we use the Prime Rate 
published in The Wall Street Journal two business days before the Statement Closing Date.  If the Prime Rate causes 
an APR to change, we put the new APR into effect as of the first day of the billing period for which we calculate the 
APR.  We apply the new APR to any existing balances, subject to any promotional rate that may apply.  If The Wall 
Street Journal does not publish the Prime Rate, we will use a similar published rate.   

Effect of APR Increases.   If an APR increases, interest charges increase.  Your minimum payment may increase as 
well.  

Daily Balance.  We calculate the daily balance for each of your different balances.  To get a daily balance, we take 
the balance at the end of the previous day, add the interest on the previous day’s balance and new charges, and 
subtract new credits or payments.  We figure the interest charge by multiplying the daily balance by its daily periodic 
rate each day in the billing period.  We then add up all the daily interest charges and the total is the interest charge 
for the billing period.