Citi Credit Cards Reviews

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.