| These are the answers to questions that credit card holders ask frequently. Do you know the benefits you get with a Citi credit card? And what to do in various situations? |
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| Credit card issuance: |
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 What is the difference between a credit card and a debit card? |
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| A debit card is a key to your money and you can only spend as much money as you have in your account. A credit card, in contrast, represents (as its name suggests) credit or a loan that the bank extends to you. You may use it as you see fit, and after receiving the monthly statement you can decide whether to pay back the balance gradually in installments or pay the full balance amount at once. In the latter case, you get credit free of charge during the whole period. |
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| Do I have to have an account with Citibank to be able to pay with the Citi credit card? |
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| The Citi credit card is not linked to a current account and works completely independently. The credit card is only associated with a card account whose number you can see in your monthly statement. The card account to your credit card is opened automatically and only serves as a technical account for the settlement of transactions made by the credit card. Of course, you may also open a Citibank current account for regular transaction purposes. |
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| When will I get my credit card? |
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| Once we receive your application and all the necessary documents, you will get your Citi credit card by mail within two weeks (as a regular letter) if your application is approved. You may check the processing status of your credit card application at any time by calling our info line at 233 062 666. |
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| How can I activate my credit card? |
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| You will find an inactive card in the envelope. To start using it immediately, please call the activation green line 800 122 228, via which you will activate your card. |
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| Credit card use: |
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| How can I pay my credit card balance? |
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| There are five possible ways to make the payment: |
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- Setting up a standing direct debit for the minimum installment – in just two easy steps:
- call the CitiPhone line at 233 062 222 and tell us the number of your checking account from which you would like to have your payment deducted
- contact the bank where you have a checking account and give your consent to the direct debit for the beneficiary Citibank Europe plc, organizační složka, account number: 8444444100/2600.
- Via Citibank Online Banking or the CitiPhone line if you have a Citibank account.
- Postal order.
- Payment in cash at any of our branches. This service is subject to fees in accordance with the Pricelist.
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| How can I use or withdraw money from the card? |
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| You may pay at all stores that accept MasterCard and Visa cards, including online stores. Cash can be withdrawn from all ATMs marked with the MasterCard or Visa logo in the Czech Republic and abroad. You will need your four-digit A-PIN code that you set via the CitiPhone line. You may also transfer money by bank transfer with the help of your telephone banker. The cash limit can be found in your monthly statement. |
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| How can I report an insured event? |
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| In the case of an insured event, please contact the appropriate insurance company immediately – either POJIŠŤOVNA CARDIF PRO VITA, a.s. at +420 234 240 270 or CHARTIS EUROPE S.A., the Czech branch, at +420 234 108 311. |
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- NOTICE TO CLIENTS: As of 1 October 2009, the business name of AIG EUROPE, Czech branch, has been changed to CHARTIS EUROPE SA, Czech branch
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| For Family Travel Insurance (contracted by 30 April 2009) and Family Travel Insurance accompanying Citi ČSA credit cards (contracted by 30 April 2009): |
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| If an insured event occurs when you are abroad, please immediately contact the assistance service that will walk you through the insurance claim process |
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| Assistance Service – phone: +420 222 111 159. |
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| For Family Insurance for your Travel and Family Travel Insurance accompanying Citi ČSA credit cards: |
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| In the event of an insured event please immediately contact the assistance service Cardif Assistance - tel.: +420 234 240 244, which will walk you through the insurance claim process. |
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| What is the difference between the credit limit and cash limit? |
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| The credit limit is the maximum limit for cash and non-cash transactions that can be performed with your Citi credit card. |
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| The cash limit is the maximum limit for cash withdrawals (from ATMs and at bank counters). The cash limit is a part of the overall credit limit. |
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| What is the difference between the A-PIN and the T-PIN? |
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| The A-PIN is a four-digit code for payments at stores or for ATM cash withdrawals. You may choose your A-PIN free of charge when activating your card. |
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| The T-PIN is a six-digit identification code necessary for communication with the bank operators of the CitiPhone customer line. |
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| How can I dispute something on my statement? |
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| If you do not agree with the amount, currency, or the entire transaction displayed in your statement, check the transaction against your receipts and contact the CitiPhone line at 233 062 222 within 20 days of the date on your statement. |
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| We will send you a form to fill out and sign, and you will support your dispute with receipts. You will then send the form back to Citibank. The disputed transaction will be excluded from the calculation of the current balance, and you do not have to pay it. However, if the disputed transaction is not recognized as erroneous, the amount will be included in the current balance again, and interest will be calculated from the date of the transaction. |
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| If the dispute made through CitiPhone is not processed within 30 days, we will keep you informed on the status thereof in your monthly statements. |
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| What is the CitiAlert service? |
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| CitiAlert is a service that informs you via SMS and e-mail messages about what is happening with your credit cards or, if applicable, in your checking accounts, time deposits, and investment accounts. Keep track of your money with CitiAlert! You may sign up for this service through Citibank Online Banking or via the CitiPhone line. |
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| I received an e-mail with an offer from the e-mail address obchodni.sdeleni(at)citibank.cz or alerts(at)citibank.com. Was this e-mail sent by Citibank? |
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| Yes. The e-mail was sent by Citibank. The address obchodni.sdeleni(at)citibank.cz is used to send current offers to our clients. The address alerts(at)citibank.com is used to send service messages and CitiAlert info messages. The e-mail may contain links to web sites, but they are always Citibank pages. |
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| In the e-mails or on web sites to which the e-mails may refer, we will never ask you to enter your client data (your card number or PIN). Should you be asked to enter such data, please contact the CitiPhone customer line immediately. |
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| For more information, please contact the CitiPhone customer line at 233 062 222. |
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| Notice |
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| Insurance products are offered by Citibank Europe plc., organizační složka in cooperation with the insurance providers, POJIŠŤOVNA CARDIF PRO VITA, a.s. and CHARTIS EUROPE S.A., pobočka pro Českou republiku. |
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