Citi Credit Cards Reviews

They misspelled my first name and will not send a new card even after I give them my secret code name or word. They want me to mail USPS ONLY a private document. I don't trust this.

This is a horrible card. 100% not worth it. I usually love Citi card and this was not worth it at all. The points suck, membership fee is horrible. Thumbs 👎 👎👎.

Hi everyone. Don’t trust this credit card company. It’s really scam me to sell the credit card no interest and no fee till 12 months but after 2 months it started changing me late fee on my balance and talk to customer service they are also fool me. I got regretted to sign up for the credit card. Never go. Don’t sign up any promo and regular credit cards. I wasted my time and money. They are really a scammer so you can get trapped!!!

Stupid me. I set a payment up for the balance of my credit card. Twice. My fault. Yep. They got an extra two grand. I immediately called and asked them to reverse the payment. Can’t do that! "We will mail you a paper check." Called again. Nothing was done. Mortgage needs paid. I have called four times now and I am still without a dime back. The mortgage needs paid. They are sending me emails that I have this huge negative balance… No checks have come. No pin to use to take a cash advance. The mortgage needs paid.

It takes a full 10 days after you provide Citi Bank your payment for them to credit your account. In the meantime your account declines any new transactions. I’ll be leaving soon.

I have had my Citi card for 23 years, always paid on time and paid it off regularly. When I finally needed to use my whole credit line when my son had a double lung transplant they cut my credit line and also shortly afterwards canceled it and did not let me use it anymore. I continue to pay off the balance as I always would. I have a pretty good credit score 700's. When I really needed them they totally deserted me. They are a horrible company that do not stand by you when you actually need to use your credit.

Horrible customer service, long wait times and when I finally spoke with someone, they did not speak good English. Very stressful and frustrating. Then they did not want to close my credit card. Had to speak with a supervisor, whom also had broken English. I was fearful that I has stepped into a Scam!!!

American Airlines Platinum Select card with Citi automatically charges the annual fee without a reminder, and no refund if you choose later to cancel the card. Flights are no cheaper through their site. First bag is only free if flying domestic. If you go to use your "points" ticket prices are marked up so discount is very small, or require extreme amount of "points". The comment that there are no "international fees" using the card is true, but the conversion rate was higher than using my bank card.

The worst company to work with when it comes to dispute. I have contacted CITI and opened a dispute about a charge that was never refunded, in which the merchant provided proof with a text message stating refund will be issued within 7 business days. Past 60 days and refund never was issued. I opened a claim with CITI, and they did not give me temporary credit nor did they request documentation or proof from me, but just said that the Investigator will review this case and you will receive a letter.

My card was switched from Barkley's to CitiCard (AA Advantage). I went to sign up for the mobile app. They required access to my bank name and banking documents? What? Will they have access to my banking statements? No thanks, I closed out of that window. Without the mobile app, I was not interested in the card. I called, cancelled the card, and asked for the close-out balance. I sent them the entire balance. They still sent me new cards, since the account was closed I cut up the cards. Then the calls started. I looked up the phone # online, half of the reviews said it was a fraud #, so I called the official # which I found online. I called, they assured me my account was closed.

I received my card I used then they blocked my card saying suspicious use. I called. They said they will text me a code then stated they couldn’t text me which is very odd because I keep getting text messages to call them about fraud. Now they are saying that I have to wait for the code in the mail which they have supposedly mailed twice and I haven’t received it so I have a card basically I can’t use until I receive something in the mail.

I am very disappointed. I received the AAdvantage Executive Card to get into American Airlines lounges. I went to place a $4000 charge immediately after activating (after all, I only have 5 months to get the sign up bonus) and my card was blocked. So I called and they allegedly texted me a code I need to give that I never received it. Odd, since I got their text when I applied. Now I have to wait 7-10 business days to get the code in the mail and in 2026 they do not have a more modern mode of resolving. Meanwhile, I’ve missed out on a good chunk of my sign on bonus. I will not use this card for anything other than lounge access as soon as I hit the SUB.

I purchased a bathroom sink from AF Supply. The wrong color was sent. This is after I spoke with their customer service rep. It took two weeks to get the item returned. Citi said the item was delivered and the chargeback is invalid.

I have been with Citi for many years and never miss a payment. This month, due to a processing error with autopay from my main bank to Citi caused a return payment fee of $30. When I called Citi on this fee, they said I would need to have my bank write to them explaining the reason the payment was not processed and then they would see if they can reverse the fee!!! Ya sure, my bank will get right on that letter! What a joke!

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!