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Citi Credit Cards Reviews

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About Citi Credit Cards

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Citi Credit Cards offer a range of credit card products designed for diverse consumer needs. Its offerings include rewards, cash back and travel benefits, along with security features and digital account management, catering to a global customer base.

Pros
  • Excellent customer service
  • User-friendly online platform
  • Cash-back rewards
  • Quick transaction processing
Cons
  • High interest rates
  • Frequent unsolicited offers
  • Confusing fee structures

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Citi Credit Cards Reviews

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    How do I know I can trust these reviews about Citi Credit Cards?
    • 4,642,665 reviews on ConsumerAffairs are verified.
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    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Customer ServiceProcess

    Reviewed April 16, 2025

    Citi advantage cards have got to be the worst. They take forever for anything to process. And if you call and ask about a time on anything. They say it's the other institution's fault why it is not posting. You talk to someone and most of the time you can not understand what they are saying, and are usually no help. They basically tell you you have to wait for it to go through. Which can be 7 to 10 business days. I would recommend going with a different company.

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    Customer ServicePrice

    Reviewed April 15, 2025

    I am regretting why I ever applied for Citi credit card without researching well. I was charged double interest after I paid all my balance. They charged me for $0. After I called they they said they will take it off but they didn't, they instead charged me interest for the 2nd time. If there was a zero star 🌟 I will go for that. Watch your account kindly because they are good at charging you some hidden fees without your knowledge. Horrible company

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      Punctuality & Speed

      Reviewed April 15, 2025

      I was charged a late fee when I was on autopay. Impossible to get someone to talk to. I paid the late fee, so it didn't hurt my credit. I think $31.00 was a bit high for a $29.00 payment. I closed my shell Citi Bank account, and today, I will shred my Citi Bank MC I've had for 25 years. I will never do business with them again and will warn everybody I know to stay away.

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      Customer ServicePunctuality & SpeedReliability

      Reviewed April 8, 2025

      If I could give zero stars, I would definitely do that. Even one star is too generous for Citi. Unfortunately, I have 5 accounts with Citi and I regret it. I used their credit card and loan offers, which was a big mistake. I also took one of their credit cards to use while traveling to Europe, which basically ruined my vacation. I have never had a late payment or missed payment in my history and I always pay my monthly payments well above the minimum. However, they keep decreasing my limit as I pay, causing me to always be at 90% credit usage, which is damaging.

      During my Vacation, Every time I use my card, they block it for fraud even though I had submitted a travel notice on my card before traveling. I had to call them and go through the security check process. Citi is awful, they try to appear like a good bank but they are not reliable at all. I can't wait to pay off my card and never use Citi again. I do not recommend them to anyone. There are better banks like Chase, don't waste your time with this worthless bank's credit cards.

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      Reviewed April 7, 2025

      I have a dispute in for $426 of false charges from a hotel but Citi is not helping at all in the disputed charges. I have to use up my miles on the card but this card will not be used again. I can't trust it.

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      Reviewed April 4, 2025

      Not impressed at all. Most of the time awful customer service even when you get lucky and understand their English. I have had more unauthorized charges on this card then any others. Be careful where you use this card.

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      Reviewed April 1, 2025

      If you want to build your credit or you’re looking for a reliable credit card, don’t apply for a CitiCard. They’ll close your card or drop your credit limit no matter how good your credit is or how often you pay your balance in full. You’re penalized for using the card and not using the card. It’s a lose lose.

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      Customer Service

      Reviewed March 31, 2025

      Had a Citi american airlines credit card, thought it was it closed when Costco changed from AMEX to citi visa but citi kept it open and charged $80 per year for membership. I received notice that my account was going to collection after my First Republic account was closed where citi was automatically charging from. I called Citi customer service and my account was closed and assured the charges would be revered after 2 hours and 6 transfers. I have not charged on this account for at least 8 years and now a month later I'm getting threatening notifications about payment. tried calling to no resolution and even went into a branch just to be told to call the 800 number.

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      Verified purchase
      Customer Service

      Reviewed March 29, 2025

      I wanted to pay off my card so I sent a check via my bank and accidentally paid online as well for $12k. They could not reverse the transaction when I called the next day and said it would be 7-10 days to review the refund. When I called 14 days later, they said it was in process and could take another 3-5 business days to be credited back. I spoke to a supervisor and they said they would escalate. The next day I called again to get a response and they said it would take another 3-5 business days. Imagine not having access to $12k for such a long time. They take my payment immediately but it takes weeks to get my money back while my credit card is showing the credited balance. I’m so unhappy with this service and they are just telling me to wait. I have been a cardholder for a long time and want to end the relationship because of this experience.

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      Customer ServicePriceStaff

      Reviewed March 28, 2025

      I am stuck paying fraud claims of 9000$. Plus their interest and late fees. We noticed them and they took off some but not all. Now 1 and 1/2 years later still paying and haven’t used card since. So much for fraud protection. Ps can’t even understand people that answer their phones

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      Citi Credit Cards Company Information

      Company Name:
      Citi Credit Cards
      Website:
      www.citi.com