AT&T Universal Savings Platinum Card

Up to 10% savings for the first 12 months on AT&T purchases 0% APR on balance transfers for up to 12 months No Annual Fee Plus AT&T calling benefits: Up to 30 free phone minutes each month; 2 free directory assistance inquiries per month and other wireless benefits CLICK HERE TO APPLY ONLINE *See Card Terms and Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed 0% on Balance Transfers* Up to 12 Months * As low as Prime + 3.99%* None* Yes* Good Credit*

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Review: AT&T Universal Savings Platinum Card

Type of credit needed: Good Credit

Type of card: Credit/Regular

Issued by: Citibank

Overview: The AT&T Universal Savings Platinum Card is a credit card and a calling card, but cardholders should be aware that the calling card rates are somewhat high. This card entitles the cardholder to receive a limited number of directory assistance calls and a limited number of free phone minutes each month. Insurance for phone loss and theft are also included. This card features no annual fee, a low introductory APR on balance transfers, and a competitive purchase APR for those with good credit. There is a minimum APR for cash advances, and the APR will not fall below this minimum, regardless of the prime rate. There is no rewards or rebate program included, which is a drawback of the card, but cardholders can enjoy standard benefits like emergency card replacement and auto rental insurance.

Pro and cons of the card:

Pros:

• Can be used as a credit card and a calling card
• Free directory assistance calls
• Free phone minutes
• Insurance for phone loss and theft
• No annual fee
• Low introductory APR for balance transfers
• Reasonable purchase APR with good credit
• Benefits like emergency card replacement are included

Cons:

• High calling card rates
• Minimum APR for cash advances
• No rewards or rebate program
• Balance transfer and cash advance fees
• Over the limit and late payment fees

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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