Not at all! The Citi® Secured Mastercard® Credit Card is a credit building product designed to help you improve and establish your credit score. For that reason, you can request it if you’re 18 or older and have a Social Security Number. You must also meet Citi’s credit score requirements to qualify.

Unlike most secured cards, you cannot get a spending limit increase with your Citi® Secured Mastercard® Credit Card after you open your account. When you apply, the credit line you choose will remain the same for the life of your account. If you use your card responsibly and make on-time payments in full for at least 18 months, Citi might consider upgrading you to an unsecured card.

To fund your Citi® Secured Mastercard® Credit Card security deposit, you must transfer the desired amount from another bank account to your name. If you don’t have a bank account, you should only be able to apply for the card by visiting a local branch and speaking directly to a representative.