Citi Credit Cards Reviews

I feel I was treated very unfairly by this company. I don’t even understand what happened—- they said when I made the payment and they tried to collect it went to the wrong account (the account number was on file). They said the last number didn’t go thru when I confirmed they closed my account. They didn’t even give me a chance to fix this (and the payment wasn’t due for another week). I paid early. I have been with them for 13 years… They said my payment history only goes back a year but documented I hadn’t been late with the payment. I have talked with several people and Citibank will not open the account back up for me.

Unbeknownst to me, Best Buy charged me a yearly fee of $29.99. Citibank holds the credit card. I was unaware of the charge and when I became aware of it, called Citibank. They could not tell me what the charge was for. Citibank was able to add a charge of $29.99 for a late fee and $2.00 in interest. They referred me back to Best Buy and per Best Buy they would be able to credit all but $5.26. I was told to wait at least a week to settle the account with Citibank.

Had a card with them for 25 years. I pay off my balance every month (at least I have done that for the last 5 years). My card got declined at Hertz. I called them and had to wait 35 minutes before I could discuss with a representative. All cleared up (oh it is our fraud department and we are just so worried about your financial safety...). One day later I tried the card at a dollar store, declined again. I have now waited for 40 minutes and every now and then somebody is informing me that the wait time is greater than 30 minutes. How good of a credit card is this?

Absolutely the worst customer experience I have ever experienced. I have three Citi Card cards and have paid thousands of dollars of interest in the last 20 years that I’ve been a cardholder. I’ve had balances and have paid them off in full. I applied for a Citi card with a 24 month balance transfer at 0% and was denied because I have too much available credit. When I called Citi to dispute the fact that my available credit is with them, I was transferred at least five times. I was put on hold by one person who assured me she was transferring to someone that could help me and after 20 minutes she simply disconnected.

CITIBANK — I NEED THIS ACCOUNT REOPENED AND THIS MATTER RESOLVED. Citibank approved me for a Citi Double Cash card, performed a hard inquiry on my credit, and issued the card. I never used the card, never missed a payment, never carried a balance, and never had any fraudulent or negative activity. Citi later closed the account because they said they requested verification documents by email. I never received that email or any phone call warning me that documents were needed or that the account could be closed. As soon as I found out what Citi needed, I provided the requested documentation. This closure has caused serious financial harm. My credit score dropped approximately 67 points, and my family’s active home purchase is now on hold while this issue is being resolved.

The most useless credit card I have ever had. If I could give Citi 0 stars, I would. I genuinely do not understand the point of having a credit card that I CAN’T EVEN RELIABLY USE. Citi’s “security verification” system is absolutely ridiculous. It feels like every other day my account needs to be verified again, and somehow they can’t simply verify me through my phone or email like a normal financial institution. Instead, I’ve had to WAIT FOR A LETTER IN THE MAIL just to regain normal access to MY OWN CREDIT CARD. In 2026. Absolutely insane. Then there are the random declined purchases. No warning, no explanation, nothing suspicious about the transaction—just DECLINED. Imagine being somewhere trying to pay and having no idea whether the card in your wallet is actually going to work that day.

I had disputed 3 Apple charges which I was unsure of the charges. Looked like one may be legit for iCloud after all. They wanted me to contact them and in the meantime I needed to change my password due to a new mobile service. Well 2 hours later and 9 different people I’m finally able to change my password. They asked me security question I never used! Finally someone in the tech department had me sign up from scratch? It worked! Crazy!!! Now getting back to the disputes, I talked to 3 different people one day and more the next. Finally a lady told me how to get to my subscriptions to cancel out the issues with Apple.

In my marriage I take care of the finances and I recognized an offer from Citi 0% transfer. Had my husband make the call to Citi credit card for the offer. He requested a balance transfer for the purpose of paying off his Discover balance of $4,680.15. His Discover, now has a credit balance of $7,003.49. He did not authorize Citi credit card an $11,744.48 payment to Discover. He only authorized enough to pay his $4,680.15 balance. He had to call discover to inform them to return the excess credit to his checking account in the amount of $7,003.49 credit refunded, preferably by check or deposited into our checking account.

They have a hardship department and I was transferred but lied and said they don’t do that. They cancel your credit card and close your account right then and there. And have to apply to try and get a new account.

Would rate lower if possible. Similar to some other posters, I paid off my account in excess of 20K twice in the last year and just received notice that they were dropping my account credit from 27K to 1730.00. I have a TJ Maxx card with more credit that that. And, I have been a Citi member since 1987 with an Excellent (no late payment) record. Beyond that, every attempt, bar one, to communicate with Citi regarding this matter has been met with condescension at worst and disinterest at best. I am aware that this review will be ignored by Citi, but may it serve as a warning to those considering Citi moving forward.

Terrible customer service. When I asked if they could expedite my points that I had earned so I could use them, I was told they cannot and nobody has the authority to override the system, additionally they don't have a decent grasp on when I get my points.

The wait times are ridiculous. They freeze your card for suspected fraud, but you have to wait over 30 minutes to talk to a customer service person and then you can't even understand them. The card it not worth dealing with this company.

I’m very disappointed with the experience of getting a new Citi credit card. After approval, Citi provided my card information and instructions for adding the card to Apple Wallet, which gave me every reason to believe I could start using the card while waiting for the physical card to arrive. I successfully added it to my Wallet, but every attempt to use it was declined. I called Citi and was told to try using the card information online from my computer. That didn’t work either. I was ultimately told that I have to wait for the physical card, which can take up to 10 business days.

Six years with Citi, I find a fraudulent charge and they refuse to take the charge off.

I have been with Citi for a short amount of time. After banking with Chase I wanted to give citi a try and quickly regretted my decision. I was issued a fraudulent charge and after disputing the charge citi stated there was nothing they could do on their end even after appealing. The reason I was given is that the merchant that scammed my account was refusing to give the money back and that in that case there was nothing that they can do for me and that I needed to pay the amount.

Received an offer for a 21 month 0% balance transfer with a 3% fee. The math worked out for me, my credit score is solid. I applied and received the card, and activated it through the app. Almost immediately I was "flagged for fraud" and was asked to validate the same balance transfer that I submitted _as_part_of_the_application_. I cleared that (after having to wait a week for the letter since they won't do a phone validation) only to see the balance transfer never completes and they flag me again for fraud. The card literally had no use to me outside of the balance transfer. This was a complete bait and switch, in my opinion. Cancel this card/do not trust this company's offers. In this case, there's now a hard inquiry on my account which won't result in a balance transfer while a month has already elapsed on the account's existence. It's wildly unprofessional.

I have had a flawless 20-year history with Citibank, but their customer operations over the past six months have utterly collapsed. During a recent two-week vacation at sea in the Mediterranean, where I was unable to make international phone calls, Citi’s automated systems unilaterally canceled two of my credit accounts. One was a legacy credit line I successfully held for two decades; the other was my brand-new premium Citi / AAdvantage Executive card, for which I pay an incredibly steep annual fee. Citi completely failed its baseline obligation of customer care, leaving me financially stranded in a foreign country. To make matters worse, I only received a written notice for one cancellation; the premium card was shut down with zero communication.

I would give it a zero rating, I don’t even have a Citibank anything but on behalf of my decreased mother…. Sending her debt to a collection agency after the detailed instructions provided by your staff is utterly ridiculous & insensitive.

DO NOT apply for a Citi bank 0 Interest balance transfer account. I did so today and they approved my account yet would not honor the commitment. Very deceptive trade practices to bait the offer with a great rate to start and then not provide it.

So I have a credit card with them and I had a merchant to whom I returned $55.91 of clothing to and told them to credit the original payment which was my Citibank credit card the merchant did not do so so I disputed the charge and I was told by Citibank too bad so sad because the merchant issued me a store credit which I don't want to use because their clothes are cracked. I was told too bad so sad your loss. So once I pay my balance off on my credit card they can go suck it because FYI their diamond dozen when it comes to credit cards these days so don't need them.

Citi card was a nice card to have until me & my wife had a bad experience over a 9 day late payment. We had our citi card for over 8 years had a $8500 credit limit and never had a late payment nor went over the limit throughout the whole time with them. We went out the country on an emergency and literally forgot to make the payment till it was a week late and due to that they dropped our credit limit from $8500 down to $500. I mean they took $8000 from us over a week late payment but waived the late fee without us even asking for it.

WE paid off what the phone told us the pay off was, The company then closed our account without telling us. There was an automatic payment sent out the next day. We called to see if we could get that money back and they then told us they closed the account and we would get a letter in a few weeks. They also said they are keeping the $125 because we owed them that. Liars and thieves, we have been with them for quite awhile =very shameful company. I am reporting them to the Better Business Bureau first thing in the morning.

Deceptive advertising for Citi Strata card advertising 20,000 points for $1,000 in purchased over a 90 day period. Points should have been worth $217.74, but were only worth $108.87. If you do not own another Citi card you only get a half a cent per point. Logged into to other Citi cards only to find the accounts have been closed. Card for account user and authorized user are going in the trash.

Terrible customer service. Since they took over from Barclays it is impossible to speak to anyone when the card has a problem, which seems to happen more now.

After wanting to close my Citi credit card, I had to write a letter to close the account.. The card had nothing to offer someone in my financial position. Also. the last correspondence from my spam folder from Citi was a reminder of how my credit profile was diminished. In the last 3 years I had written two checks of $80,000 plus to purchase cars. Never was I asked what Citi Bank thought of my credit.

I applied on the card with 0% APR for 18 month for purchases, and have got the card with 24% on purchases and 0% on transfers that I really do not need. It is a ** scam! This is not 1st time then they substitute cards which you apply telling that this promotion is already expired! Bad and shame business!

Citibank's own records show that I did not receive a full refund after the event was canceled or postponed. Despite this, Citibank closed my dispute because the merchant claimed that a full refund had been issued, even though Citibank's records reflected only a partial credit. Under the Fair Credit Billing Act, charges for "services not rendered" are eligible for dispute. Citibank should comply with the requirements of the Fair Credit Billing Act by investigating the actual transaction records rather than relying solely on the merchant's unsupported claim. In this case, Citibank failed to follow the law by closing the dispute despite evidence that I received only a partial refund.

What a nightmare! They declined a 1000$ transaction because it’s a new card and they couldn’t verify my identity - not because I didn’t answer questions right. They wanted to text a family member and not my personal number. They asked if I have a landline.. They wanted to send me a letter for verification.

I have had a Citi Card for over 15 years and 1 day I had to dispute a charge for a severely damaged item I received. Well after jumping through hoops an hurdles Citi denied the request. Mind you in over 15 years I have never disputed any charge. So I paid the balance and close the account. Approximately 30 days later I receive a bill for $1.34 so they say it's interest. How is that so when there was no balance. The charge should have been waived but that was their choice. It's just the principle of it all. I've always had a great experience with Capital One so I will stick with them. My advise is go where your business is appreciated!

Used to be primo customer service but is now the worst. Employees are badly trained. Citi is the bottom feeder among the major card issuers.

I have had an American Airlines credit card for nearly 10 years. It was through Barclays until this past April, when I was mandated to transition to Citi. The new payment due date through Citi is the 14th of the month. I tried to change that online to the 16th to align with my paycheck deposit but received an error message. I called, and after slogging through a bunch of AI-driven selections, I finally got a person on the phone. That rep told me that due to Citi's "transition process", I cannot change my payment due date until after January 30, 2027. First of all, nobody told me that was going to be an issue. Secondly, so many people are paid the 1st and 15th of each month. Why would you make a mandatory, unchangeable payment due date the 14th?!

The Citi Bank Customer service representative was rude & impatient. The fact that a customer CALLS vs chatting with the Chat bot is the reason the representative is still employed & has not been replaced by a chat bot so the representative should keep that in mind when providing customer service, the day is near when a human being customer service representative on the other end of the line is be eliminated.

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.