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Overall Rating1.6 out of 5
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CitiCard Reviews

ConsumerAffairs has collected 1,667 reviews and 2,930 ratings.

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Page 1 Reviews 0 - 10
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Customer Service

Reviewed Sept. 20, 2023

I held off for a long time before writing a review. My card received 11 fraudulent, and obviously fraudulent, charges three payment periods ago. I have made 13 phone calls to try and get information, give information, and move things along. Citi has made none. Everything they say will happen on the phone does not and for a while, they totally dropped the case. Then had to re-open and start from scratch. I have zero confidence things will get handled anytime soon and this case should be so easy. The charges are ridiculously and obviously fraudulent. Just a bizarre experience thus far. I've had one other fraud experience in my 40 years as a cardholder. It was with another company and it was handled so easily. The Citi experience borders on bizarre.

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Customer Service

Reviewed Sept. 8, 2023

ALERT: This company create transaction with phone numbers online after you report to bank, they start investigation up to 90 days and you call and call and they never make a solutions. In my case I receive fraud alert for transaction 5.000 from DAVIDART GENEVA IL and this store don't exist... I report, file dispute but now my credit card is over limit and the 3 credit B show and my score is down.. I call and call and they only say... IF THE INVESTIGATION IS ON YOU FAVOR WE APPLY THE CREDIT... OMG CITI is sooo danger, please use AMEX, OR CAPITAL ONE but don't use Citi cards.

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    Customer ServiceStaff

    Reviewed Aug. 29, 2023

    I changed my cell phone #s recently so when I need two-factor authentication I called and told them my cellphone #’s had changed but they locked me out of my card (that I use to get 4% cash back on gas at Costco). I asked them to text me an authenticator code to my second cellphone# but they said the system couldn’t, so they locked me out of card…. I won't get another one for at least a month because they didn't have the decency to tell me that I needed to call TransUnion and get them to update my cell phone #s so they could text me an authenticator code to my new numbers.

    After I got off the phone with Citi, I called another credit card company, and they gave me the advice to call TransUnion so I wouldn't be locked out of their card.....what an incredible difference in customer service!!!! Citi Visa credit card Representatives are heartless!!!! I'm Incredibly Disgusted With The Unempathetic; Uncompassionate Customer Service that I received from the representative who had The Teenager Attitude Of "Whatever”, Not My Problem Lady"... Her attitude was "You Are Now Locked Out and too bad but you Have To Wait Weeks To Get Another Card….Not My Problem”!!!! “They don’t pay me enough to care lady.”

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    Punctuality & SpeedOnline & AppReliability

    Reviewed Aug. 19, 2023

    21 years with Citi. Thank You Preferred Card, 2 years ago they took away some benefits without letting me know. Then 4 months ago the app update was chaotic did not let me login, interrupted my mobile antivirus, and now the website loaded 3rd party domains request on my phone. Now I have ads popping everywhere and my cell is not working properly. I have never paid late and I have been super loyal with Citi, I recommended the card to family and friends and now I regret it.

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    Customer Service

    Reviewed Aug. 17, 2023

    Tonight, I made the decision to close my Citi card after being a customers for close to 3 decades. In the past year, I dealt with tons of fraudulent charges. That part was bad, but calling Citi card and having to repeat myself over and over was even worse. Every time I called call center my personal information was updated. Somehow, scammers were outsmarting the CC company and changing my information around and purchasing stuff in other states thousand of miles from me. I Canceled 3 cards and purposely did not activate the last one and somehow, a scammer activated it to make purchases. I asked them to cancel that one again and of course, my information was updated. Days later, I called to get the status of the new CC and guess what? It was mailed to a different address. I had no choice but to cancel the last CC which I never received and close the account to not deal with this anymore.

    It is frustrating that a big company like Citi has such a poor security measure to protect their customers. As frustrating as it was dealing constantly with this issue, it was just as frustrating understanding some of the CSRs and the amount of time it took to get the issues resolved due to the language barrier. I did not want to leave Citi after being a customer for so long but it was the only option to end this misery. No more calls to the call to explain myself about something that they should already know if read the notes in the system. I am so relieved for making this decision tonight!!

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    Customer ServicePrice

    Reviewed Aug. 13, 2023

    I was a Citi customer for 10+ years, have multiple cards with low balances, and have a 750+ credit score. Citi is a company that will reduce your credit limit from $9000 to $1000 with no explanation, be un-contactable multiple days out of the week, and after tanking your credit score (for making only small purchases on their 29.99% APR card) give you only repeated 'I'm sorry sir's. Their interest rate is higher than their competitors, their customer service is worse than any of their competitors, and their points structure is worse than any of their competitors. Use ANY other company for credit cards.

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    Reviewed Aug. 10, 2023

    I have been self employed since the late 90's and have had many business cards and dealt with many banks. They all have their flaws, but Citi rises far above as the worst one. Costco is abandoning them as their preferred card. That speaks volumes as to how many of their customers complained about dealing with them. It is pulling teeth to get rewards redeemed. Customer service is not customer focused. Their job is to provide you with as little information as possible. When speaking with customer support the vibe I get is "we don't care". Terrible business card, get something else.

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    Customer ServicePunctuality & Speed

    Reviewed Aug. 3, 2023

    The most incompetent customer service department I have ever encountered. I got a Citi bank Premier card with a $10K limit. I tried to make a purchase for $1100, card declined. I called customer service, they transfer me to Fraud department. They asked multiple security questions. They said card is good to go. Tried to use card again. Another decline. Again I call . Have to go thru automated questions, then customer service asks same security questions, and again back to fraud alert. These calls can take 20-25mins. Now Fraud dept tells me I have a spend limit of $1000 set on my card and fraud department can't remove customer service has to do it.

    When they transfer me back, it seems that there is no communication between the department. Customer service doesn't know what a spend limit is and I need to speak to line management. Line management has no clue and transfers me back to customer service. Nothing was resolved. I ended up using my Amex Personal Platinum instead. Horrible painful time consuming experience. Avoid Citi Premier Card at all costs & thank me later.

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    Reviewed Aug. 1, 2023

    This is one of the worst credit cards one can have. By opening this card, credit history will get affected drastically and they provide a limit of $500 which cannot be used anywhere. Don't ever purchase Citibank cards.

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    Customer Service

    Reviewed July 18, 2023

    Do not use their credit cards. I just spent an hr on the phone only to get declined on a purchase with more than enough credit. I went through hoops only to get nowhere. They expect you to make X amount of purchase so you qualify for point before the 90 day mark, but decline large purchases. Horrible customer service!

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