![]() After we make the initial Loan to you, we may refuse to allow you to take out additional loans under the Multi-Year Approval feature, terms and conditions will be outlined in your promissory note.ġ If you are a Citizens Personal Checking, Savings or Money Market account customer that has set up a direct deposit with a payor, you may be able to get that direct deposit up to two days early with Citizens Paid Early™. ‡ Multi-Year Approval: Funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. E) Other terms may apply and will be included in the Agreement. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. B) Cash Back Rewards will not expire as long as your credit card account is in good standing and you make an eligible purchase once every twelve (12) months. Please refer to your Reward Guide for complete program terms and conditions. ![]() For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Certain transactions do not qualify for cash back rewards. A net purchase is the amount of a purchase less any credits, returns and adjustments. The Reward Guide will explain the program, including the following: A) Earn cash back rewards of 1.8% on all eligible net purchases. You will receive the Reward Guide with your Cardholder Agreement. The Cash Back Plus Rewards Program is governed by the terms and conditions set forth in the Reward Guide. Your account must be open and in good standing at the time the cash back rewards are credited. Your cash back reward will appear on your statement as “Spend Reward”. Balance Transfers, money orders, gift cards, wire transfers, lottery tickets, gambling charges or unauthorized charges to your account are not considered eligible purchases The cash back reward will post to your account once all of the terms of the offer have been met. All purchases must be posted to your account within the promotional period. To qualify, you must open a new Citizens Cash Back Plus™ World Mastercard®. We may evaluate accounts periodically to determine qualifications and have the right to remove benefits based on failure to meet qualifications. In order to qualify or maintain CitizensPlus, you must maintain an open and active Citizens Quest™ or Citizens Private Client ™ Checking account. Before you drive away, make sure the paperwork matches the deal you think you are getting and that everyone has signed all the documents.* CitizensPlus™ benefits cannot be applied in addition to other promotional benefits or discounts that we may offer from time to time. There’s still a lot of paperwork to go over and sign. Know what is negotiableĭid you know that you can negotiate the terms of your auto loan? Negotiating can save you hundreds or even thousands of dollars over the life of your loan.įind out more about negotiating loan basics 4. Read more about the ways to finance your loan 3. Learn the most common ways to get an auto loan and how to compare interest rates and terms to find the best one for your budget. When financing a new vehicle, you have options. Start by asking yourself these questions 2. Know before you shop for a car or auto loanīy asking questions before you shop, you’re more likely to get the best interest rates and loan terms for your budget, save yourself valuable time and money, and reduce stress. Whether you’re a first-time borrower or a pro, seeing what questions to ask and steps to take can help you avoid common pitfalls, so you can drive off the lot with confidence. ![]() Getting a new car or auto loan affects your overall money picture. ![]()
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