Citi Credit Knowledge Center

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

Debt Management

Shared Credit Cards: Joint Credit Cards vs. Authorized Users

Explore the world of shared credit cards to discover the right choice for you and your partner's financial goals. Learn how joint cards compare to authorized users.

How to Get Out of Credit Card Debt

Are you ready to get rid of your credit card debt? Learn more about credit card debt and follow these strategies to pay your credit card debt.

What is the Debt Avalanche Method?

The Debt Avalanche Method may help you pay off debt quickly. By tackling high-interest debt first, you can reduce the amount of interest you pay.

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.

Can You Pay a Loan With a Credit Card?

Learn how to pay off personal loans using your credit card. Find out if you can pay personal or car loans with credit cards and the tools that may help.

Credit Card Debt Relief

Learn about credit card debt relief options, including consolidating debt with a personal loan and transferring balances to a balance transfer credit card.

What Happens to Credit Card Debt When You Die?

If you pass away, your estate may be used to pay credit card debt. Learn more about what happens to credit card debt after you die.

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.

How to Consolidate Your Credit Card Debt

Credit card debt consolidation involves combining your outstanding credit card balances into a single, manageable credit card payment.

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.

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.

Other categories

Additional Resources

  • Insights and Tools

    Utilize these resources to help you assess your current finances & plan for the future.

  • FICO® Score

    Learn how FICO® Scores are determined, why they matter and more.

  • Glossary  

    Review financial terms & definitions to help you better understand credit & finances.