Citi Credit Cards Reviews

My Barclay's American Airlines Mastercard was transferred to CITI Bank in April. For the past 3 months I have been trying to get the CITI credit card. I have called several times regarding this, only to be told it has been mailed on various dates. I have received bills and did pay them. However today (7/11/26) I was told my account was just closed today and have to wait 7-10 days to find out why. This is not acceptable. The customer service was extremely POOR. I will never use this bank and will encourage others not to as well.

My other credit card statements arrive with plenty of advance time to mail my payments before they are due. However my Citi Cards statements continue to often arrive within 7 - 10 days before they are due vs the 2.5 to 3 weeks I have from other companies. I have called repeatedly to ask them to allow a longer window of time before my statements are due as a long time customer who pays my balances in full yet nothing has changed. These practices feel slimy and intended to create late fees. I am highly disappointed that if I do not want to do online payments due to hacking concerns that mailed options are not being done with customer care in mind. You can do better!

I FINALLY searched for and now found somewhere to write a review for Citi AAdvantage Credit Cards. I've had this card for years, decades. First of all, I paid $50/year to be able to earn miles. A few years ago. After refusing to pay this fee after the umpteenth time that I have been hacked and need a new card and waste I don't know how much time over and over and over again, after my card has been hacked AGAIN and AGAIN and AGAIN and AGAIN. I have had over 10 cards replaced over the past few years. I should absolutely forget about the miles I have and DROP this card. I advise any and all to NEVER get a Citi Credit Card.

We were scammed and Citibank has done… We were scammed and Citibank has done nothing but given us the runaround for months! We have sent all proof and documentation numerous times. They gave a conditional credit then took it back. They closed the disputes, I call and they say it’s reopened. I call every week and it’s closed again. Reopened again. They can not give me a reason. Countless hours on the phone. No one there knows anything. Transfer to another dept. Then another and another. Why do I have a Citibank credit card? I have one for PROTECTION! I could have paid the $7,000 in cash but wanted protection. Ridiculous but I will keep fighting!

I have had a Citi credit card for 30 years. Always pay on time, over minimum. Booked a trip. They paid. Got on vacation. Paid for hotel and dinner. Went in to check my balance. Page popped up telling me to call or would not be able to use card. I did. Was on hold for 45 min. They said card had been compromised. It had not. They were my charges. They now, won't process payment to companies after spending 1 hour an a half on phone with them. Confirming it was me. Never had issues before. But now.... very upset.

In 1 day my card got decline 4 times for fraud in same town I live in. I called them 4 times.. 30 minutes long each time...got verified. Said everything and happen again.

I have nothing good to say about Citi Card helping me with a couple of charges. I never could get it resolved. Had no one who I could talk to that was investigating my issue. I ended up have to pay two car rental fees from Hertz for one car. I had everything documented and yet I was still charged by two companies. I have been with them since 1989 so it makes me sad to carry their card in my wallet.

Everything about this company is wrong-headed. I am the power of attorney for my father, who does not have the capacity to make financial decisions due to Altimeter’s, and every time he calls they give him a new credit card, which automatically takes me off the account. So then I have to resend all of the documentation again to re-cancel the card...Until he requests a new one! Horrendous customer service with representatives hanging up on customers when they don't know the answer. If I had ever considered getting a Citi card, I definitely am not anymore. BEWARE.

A credit card was charged $3900 and $160 before it even arrives. Citi is holding me liable for fraud on a card I never even received, nor activated, with no provisional credit while they investigated, is a different category entirely: that's a company failing its baseline obligation to protect a customer from fraud I didn't commit. I was kicked among departments like a ball. Their manager Leon is the worst of all representatives I speaked. Avoid Citi.

NOT A GOOD CARD TO BUILD YOUR CREDIT!! Thanks to Credit Karma's recommendation, I got a Citi Visa card with a $2,400. limit. My score has dropped several times as a result of Citi card even though I have never gone over the 33% of usage. My score dropped 12 points for having a balance of $577 which is not even close to a 3rd of my allowable balance for building credit. I dropped 69 points for using it and paying it off 2 days later, still not over the 3rd of the available credit for building credit.

Opened a card. Then came time to pay. They slow played verifying my bank to transfer funds. With a threat of kicking my zero percent to near 30% for late payment. I contacted them and they slow played for another day or two. I finally paid over the phone. I made a comment to them. They corporate responded some crap. I then was locked out of further purchases because the money I paid was not updating on my account.

WORST COMPANY EVER. Assholes have you sign up for a credit card with "Balance transfer" then say.. Balance transfers are a "marketing ploy" and are NOT available all the time. You pos scumbags.

Avoid them. They bought Barclays and have been nothing but a frustration. They are difficult to understand and unable to answer questions. Because their take over is poor. Their system unprepared and they charge interest even when on full autopay. They keep telling me to call back. Agitating, difficult to understand and wasteful of one's time. Avoid them.

My Barclays card for American Airlines was transferred to Citi. I had the Barclays card under autopay. I received a bill from Citi with a hefty interest charge not knowing they canceled my autopay. I was told it was in the fine print of the whole transfer mess and refused to waive the charge. This should not have happened, it's poor customer service.

First they claim there's some fraud on my credit card and I should call, but I can never get anyone on the phone. I guess buying some stuff from Walmart is fraud! Average wait time to get someone on the phone is usually 30 minutes! Then months later they reduce my credit limit by $3000 despite perfect payments each month. These people are absolutely ridiculous! I can't even get someone on the phone to cancel the worthless account. Hopefully, sending a letter works!

Absalutely horrible experience with online serice via 800#. Issues are still not resolved after 2 days of being on hold and alledged support.

If I knew what I will be dealing with trying to get help and dispute fraudulent transactions I would never apply for Citi card.

They still get no stars from me. Citibank recently told the credit monitoring companies that I am more than 30 days past due paying them. They are intentionally working on ruining my reputation and great credit score. They have also been harassing me with DAILY phone calls telling me to call them and pay. I DO NOT owe them anything and refuse to pay for a fraudulent charge they put on a card that was canceled TWO MONTHS before they put the charge on it. This is a card I NEVER received and DO NOT have! They have it and are using it apparently. Had this been any other person/individual they would not be getting away with harassing people! They would not be able to defame or liable them either.

Terrible Customer Service. I have called them 10 times in the last 2 weeks due to multiple mailed letters from them (and an alert on my account) telling me to call them. Every time I call, I'm sent around to at least 3 reps and either hung up or told to call back later. It’s a joke.

Horrible customer service from overseas! I got a fraud alert and it took over an hour to get them on the line and verify me. I had to redo the balance transfer. Received another fraud alert for the balance transfer. Took over 30 minutes on hold and then she asked for a phone number to send me a text. I give her my phone number and it didn't work "again"! She didn't ask my security questions and then said, since I can't verify you I am sending you a letter, blah blah blah! Problem not resolved and I am very annoyed by the awful customer service! It's ridiculous and I won't be using these cards anymore. Citibank should not have outsourced their employees! Stay in America, we are in America!!

Citi has no concern that their AAdvantage department is the lowest rating out there for their services, lack of empathy, liars with no concern for their customers, which are citi customers. All they do is fill out a template with your name and say they are working on it. To later tell you they were not able to get in touch and deny your request for help with another lie that they call you three times and were not able to get in touch with you. But never leaving a message. Interesting that they call you 3 times but don't have the time to leave a message. Losing my points and money, but will never do business with Citi again... Imaging they have a rating and have no concerns of fixing the problem.

I contacted Citibank to dispute a charge related to a travel booking where the service did not go as expected and a refund was refused by the merchant after cancellation. I provided all relevant details and explained the situation clearly during the dispute process. However, I was repeatedly advised to resolve the issue directly with the merchant, even after confirming that I had already done so and that the merchant had declined to issue a refund. Eventually, I was informed that the decision was based on the merchant’s cancellation policy and that no dispute would be opened. While I understand that banks must follow card network rules, I was disappointed that my concerns about the service and refund were not reviewed further beyond the cancellation policy. I would have appreciated a more detailed explanation of how my evidence was evaluated.

I am thoroughly disappointed with my Citi card. I opened an account for a large home project, began making purchases of the project and then Citi declined my purchase, locked my card stating unusual activity. I did not receive a text or alert asking are you making this purchase... NOTHING!!! Immediately locked my card down so then I spent 45 minutes on the phone with a representative trying to verify my identity through some digital system that does not work. Apparently, my cell carrier hadn't made an update in a while to whatever digital system they have and so I cannot receive the text to verify my identity. THIS IS NOT MY PROBLEM!!!! If your digital system does not work for all carriers for whatever reason, you need an alternative system!

Citi purchased my credit card from Barclay and it was the worst transfer ever. I couldn't get my card activated and had issues when I created my account to activate. The system kept locking me out. I called the number on the back of my card, and 47 minutes later, I was finally able to get my card activated and log in to my account.

I have attempted to reach CITI Aadvantage since they took over American Airlines Advantage card. WHAT A NIGHTMARE! You can RARELY speak to a real person, I STILL have not received my new card, with NO answers. My payment was registered late until I FINALLY was able to do it. SO MANY calls without answers. I am ready to shred the card! I LOVED the Barclays version and loved using my miles for American Airlines. THIS has been a nightmare. Even when I thought there was fraud, I was passed off and it was discarded as "the transition". Sharon T

I had fraudulent charges on my card 9 months ago that have yet to be resolved. Not only that CITI has been charging me late fees and interest on the charges that are not mine, even after they sent me a letter that I am not responsible for the fees. I have called them numerous times and get people that can't or won't help me. Customer service reps have poor English skills and are hard to communicate with. Customer service is terrible. I have been a good customer for 22 years and can't get any help resolving this issue. I recommend you avoid CITI card.

The worst thing that ever happened Was Barclays selling the card to Citi bank. I had citi years ago. Ended up closing the account due to how horrible they work. Now since the card was transferred to citi I have to called them weekly because the card keeps getting locked by them. This is ridiculous. Never encountered this problem with any other bank but Citi.

Flagged me attempting to activate card as potential fraudulent activity and refused to activate it for weeks; had to call back several times and never helped or provided clear pathway. Always said they'd send activation code in the mail, but it never arrived, and when I would call weeks later, they would say "Whoops we never sent it out". After months of hardly any usage they flagged my card for fraud again and blocked it. There was no attempted fraud at all during this time; they're just blocking my usage of the card. Customer support is beyond useless each time; crazy wait times, always staffed in Phillipines or some other non-US country. Connection quality always terrible. Genuinely worst banking experience I've ever had and it's not even close. I will never get a Citi card again.

I never thought that another credit card company would be worse than Barclays but Citibank supervisors are by far the most in incompetent customer service team I have ever experienced in my entire 60 plus years of being alive. Multiple disconnects and inaccurate information after spending more than 6 hours to resolve a simple issue.

My credit limit with Citi is $11,600.00. The Current Balance on the account is $1,951.79. I should have $9,648.21 Available Credit. Because Citi takes multiple days to process payments a $7,500 payment received May 20, 2026, has yet to post on May 22, 2026. As a result I am unable to pay important bills that exceed $2,148.21, the inaccurate Available Credit currently listed on the account. Citi is totally non responsive to my plea for help.

Customer service is non-existent not matter the avenue you attempt. Wish I had further researched their services prior to opening an account. Why Costco partners with them is wild. Not that this will make much of a difference to them, just needed to vent. So here I am, venting.

I just cancelled my Citi Card which generated American Airlines miles. Over years, the ability to reach a person has dwindled to impossible. I have no problems with Filipino customer service, but they often think they're speaking English and it is mumbo jumbo. I used to have a number of (slipped to me surreptitiously by a customer service person,) that connected me to someone here in the US. The prompts now torture you so awfully, forget reaching someone who speaks English natively. Most of the ones you reach are unintelligible. They try and I express to them my understanding that it is a hard job, I am not mean to them. But any question you ask they say have to ask "the Team."

Horrible! Horrible! If I can write horrible 100 more times, I would! Worst! I mean, worst bank ever! Do not bank with them! They will decline every transaction you make, no matter what it is! It's so bad they don't even text you, they make you call for a $20 food order, thinking it's fraud! Horrible bank, it's so bad. I never write reviews & this is how upset they've made me.

I am beyond frustrated with Citi Credit Card Services. My card was flagged for suspicious activity, which is understandable, but the way this was handled was unacceptable. I approved the charges TWICE through their verification system, yet my card continued to decline. I then had to call customer service while sitting with someone waiting to be paid in my driveway, only to be told they had “no way” to verify me because their phone verification system was down. So despite confirming my identity and approving the charges multiple times, I was left without access to my own credit card because of THEIR technical issues.

I need to share my experience with Citibank regarding a fraud dispute that has been very difficult to resolve. I disputed an $897.72 charge from a merchant in Indonesia that I did not authorize. The claim was denied after Citibank stated the merchant provided proof that services were completed. When I requested that documentation, I received invoices that raised serious concerns:

Barclays credit card converted by Citi & switched over to a Citi Card without my permission. I had just paid my $99 annual fee in March to Barclays, then Citi converted my card in April to a card with a first-year annual fee waived. Citi refuses to refund my $99 that I just paid for a card they converted & that I had no control over. So now I’ve paid $99 for a card. I don’t have and can’t use. What a bunch of crooks.

Many problems with this company. I was a customer for over 30 years. Recently: 1) I tried to buy a cellphone online. Citi blocked the purchase. I didn't know why it didn't go through until today, weeks later, when I called about another issue. 2) Their monthly statements have become unintelligible. I'm on autopay - it should be simple. But it is not. 3) I tried to book a flight using my miles. The agent made a mistake, which I again found out weeks later. I had to rebook, at a penalty. Go elsewhere!

I had a American Airlines Mastercard through Barclays which has since been taken over by Citi. The very first on-line transaction I tried was blocked by Citi. I guess I can understand the firm being cautious. But, I still had the same credit card number that was on my Barclays Master Card. The first rep was nice but after waiting 10 minutes on hold he tried to transfer me and disconnected me. Waste of 15 minutes of my life.

My review isn't good because I feel CITI doesn't have humanity in them. Two years ago my wife died and when I called to remove her name from the account they closed it saying that it wasn't a joint account which I don't understand because every bill came in both our names and my payment sent in had both our names on them. But then wonderful CITI said I could apply for a new account and they gave me one with a much lower credit limit. Now understand this. I had perfect payment history with them. So I added my son to the account and when he went to pay for his hotel room near where he was getting cancer treatment they refused payment saying it looked fraudulent when I called and they apologized but the very next day they did it again. I asked for a credit limit increase and they refused that. So CITI I paid you off and guess what's not going to be in my wallet?

To put it mildly… This card sucks! This is the worst credit card I have ever had to deal with! Constant calls into Customer Service who can’t do anything who escalate you to the fraud department who then escalate you to the security department then send you back to Customer Service department for false fraudulent claims for no ability to link to your Apple Pay declines on new purchases so the transfer zero balance promise squat because they can’t even get the card to work!