Citi Credit Knowledge Center

The more you know about credit the better you can manage it. Explore our credit topics below.

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0% Intro & Low APR Credit Cards

What Does Intro 0% APR Mean?

Learn how 0% intro APR credit cards work, including different kinds of intro APR and how to make sure you avoid paying interest.

0% Intro & Low APR Credit Cards

How to Choose the Best Low Intro APR Credit Card

A low intro APR credit card can be a valuable financial tool to save on interest. Use these tips to find the best low intro APR credit card for you.

0% Intro & Low APR Credit Cards

7 Things to Know About APR

Annual percentage rate or APR is typically used to express the costs of borrowing money. Find out more about APR and the difference between APR and APY.

0% Intro & Low APR Credit Cards

What Is the Average Credit Card Interest Rate?

The average credit card interest rate in the U.S. depends on the type of interest rate. Read on to learn effective strategies to lower your credit card APR.

Rebuilding Credit

11 Interesting Credit Card Facts

Discover helpful credit card facts. Learn 11 key facts about credit cards to help you manage your account and handle credit effectively.

Rebuilding Credit

3 Smart Ways to Improve Your Credit Health

There are three quick, smart steps you can take to help keep your credit healthy - even before your monthly statement rolls in.

Rebuilding Credit

How to Rebuild Credit

Rebuilding credit takes patience and consistency. From making on-time payments to keeping your credit utilization low, here are 9 ways to rebuild your credit.

Rebuilding Credit

What Is a Thin Credit File?

You might have a thin credit file if you don’t have many credit accounts or if your credit report doesn’t have enough information to calculate a credit score.

Debt Management

What Is the Debt Snowball Method?

Learn how the debt snowball method works. Pay off small debts first, build momentum and see how the debt snowball compares to the debt avalanche.

Debt Management

What Is Debt-to-Income Ratio?

Learn about debt-to-income ratio (DTI), which is calculated by dividing your monthly debt payments by monthly gross income, and why DTI is important to lenders.

Debt Management

Shared Credit Cards: Joint Credit Cards vs. Authorized Users

Considering a shared credit card? Learn the differences between joint credit cards and authorized users to choose the right fit for you.

Debt Management

Understanding Credit Card Debt Forgiveness

Learn about credit card debt forgiveness and find ways to make your debt manageable. Explore debt consolidation, credit counseling and other strategies.