Citizens Bank Credit Card Payment


1)   Information on Citizen Bank credit Cards

Citizen bank offers some attention grabbing credit cards that are powered by the Master Card Mark. There are quite a few variations offered by the Citizens bank in their credit card products which differ due to the kind of rewards and benefits that they carry. Some of the classifications are – Green sense Platinum, Accelerator Rewards Platinum, Cash Back platinum card and many other similar ones.

 

2) Calculation of amount due on the Citizen Bank Credit Card

The calculation of bill of Citizens bank credit card is done using the average daily balance method. The Annual Percentage Rate for purchases which are not applicable for the first few months could be terminated in case the penalty rate becomes applicable. The APR for the purchases and balance transfers might differ every month and is subject to be reset on the very first day of the billing cycle. APR for advances of cash is derived on a monthly basis by adding the index to the margin. The index is calculated monthly and it is taken to be the London Interbank Offer Rate of three months.

 

3)  Payment Methods

Payment could be made in full or at least the minimum payment that is indicated in the statement. The first option available to make the payment in U.S. dollars is to send it to the mailing address along with the meant portion on the statement to reach on a business day.

The other option available to make the payment is Electronic Fund Transfer (EFT) where the account is automatically debited with the intended payment.

Online bill payment option is also available on the website of Citizen Bank.

 

4) Features & Benefits with Every Card

The benefits available to a Citizens bank card holder are-

  • There is no annual fee-There is not any starting APR on the balance transfers for the first twelve months
  • No liability on lost or stolen card
  • Account management service is available throughout the week on a 24 hours basis
  • The rates are quite competitive- summary is provided at the end of the year
  • The redemption of awards is quite convenient.

5) Contact Details

Right to access the credit card account is available to the holder on a 24×7 basis using the internet facility.

Any enquiries or assistance could be availed by contacting the Customer Service Department at the following helpline number: 1-800-684-2222.

The service work hours are as per the following schedule:

Monday- Friday-7 A.M to 1 A.M. EST

Saturday and Sunday- 7 A.M to 12 A.M. EST

Correspondence could be addressed at:

Citizens Customer service Department

PO Box 7092 Bridgeport, CT 06601

The address where payment could be made is:

PO Box 42010

Providence, RI 02949-2010

 

Telephonic application of card could be done at the customer application center at 1-888-333-5145. The hours of service for this are Monday to Sunday from 8.a.m. to 12 a.m. EST.