© Copyright 2016 Citizens Financial Group, Inc. All rights reserved.
Citizens Bank is a brand name of Citizens Bank, N.A. (NMLS ID# 433960) and Citizens Bank of Pennsylvania (NMLS ID# 522615).
Citizens Bank corporate headquarters: One Citizens Plaza, Providence, RI 02903
All accounts are subject to individual credit approval.
is a registered trademark of MasterCard International Incorporated.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
Credit cards are issued by Citizens Bank, N.A.
Certain conditions, restrictions and exclusions apply. Full terms and conditions will be sent when you become a cardmember.
When you pay your account balance in full by the due date.
0% introductory APR is for your first 15 billing cycles. At the time of application, each balance transfer check will have an introductory fee of 3% with a $10 minimum, thereafter up to
4% with a $10 minimum. APR based on creditworthiness. Rates can vary based on our review of your application and credit history.
Once you take advantage of this balance transfer, you will pay interest on all purchases made with your credit card unless you pay your entire balance (including any transferred balances) in full by the statement due date.
As of 10/23/2016. We will determine your margin and APR based upon our review of your application and your credit history. If approved, your margin and APR will be shown on the Pricing Addendum, which will be provided with your credit card and your Agreement. Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index to a margin of 12.99, 15.99, or 18.99 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74 percentage points. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest one-quarter of a percentage point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR published on the next business day.
Certain conditions, restrictions and exclusions apply. See your Guide to Benefits for complete program details.
Zero liability applies to "unauthorized" purchases made in the store, by telephone or online. "Unauthorized" use means that you did not provide, directly, by implication or otherwise, the right to use your card and you received no benefit from the "unauthorized" purchase. The conditions that need to be met are the following: You have exercised reasonable care in safeguarding your card from any unauthorized use. You have not reported two or more unauthorized events in the past 12 months. Also, your account must be in good standing. This does not apply if a PIN is used for the unauthorized purchases. Conditions and exceptions apply. Go to http://www.mastercard.us/zero-liability.html
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