The AT&T Universal Platinum Card is a mastercard that is issued by Citibank. This credit card caters for those with god or excellent credit. This platinum credit card also doubles up as a calling card, as well as offering a range of additional cardholder benefits. There is no annual fee associated with this credit card, and cards are available to additional cardholders at no extra cost. The credit card also offers a twenty day grace period to cardholders.
In addition to offering no annual fee, the AT&T Universal Platinum Card also offers an introductory interest rate of 0 percent on balance transfers, and this applies for a period of twelve months. For new purchases made on this credit card, the interest rate charged is 11.82% variable. There is also a minimum credit limit of one thousand dollars on this credit card.
Late repayment fees on this Citibank credit card range from $15 to $39 depending on the balance of the credit card. Unauthorized borrowing that takes the account over the limit is charged at $35, and there is a three percent or five dollar fee on cash advances. Balance transfers are charged at three percent or five dollars minimum, with a $75 maximum charge per balance transfer transaction.
This card also offers additional benefits to cardholders, some of which include: protection against unauthorized transactions, Internet account management, lost wallet service, fraud and security protection, merchant dispute resolution, travel accident insurance, lost and damaged luggage insurance, purchase protection, extended warranty for purchases, car rental insurance, emergency airline ticket replacement, emergency cash replacement, medical referral services, and legal referral services.
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