Citi Credit Cards Reviews

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Updated Aug. 26, 2026

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.

Visit www.citi.com/credit-cards/view-all-credit-cards

Pros

Excellent customer service
User-friendly online platform
Cash-back rewards
Quick transaction processing

Cons

High interest rates
Frequent unsolicited offers
Confusing fee structures

Citi Credit Cards Reviews

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Page 16 Reviews 2030 - 2180

SumersinghDelhi, IN

Reviewed March 21, 2009

I am using a citi gold card, it due date was on 14th of every month butin my last statment due date was on 8th, please reply how due date has been changed. please rply soon

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SoochoiLos Angeles, CA

Reviewed March 21, 2009

a few month ago, i received 0.00% balance transfer officer from citi card, so i transfered some balance and to pay the balance, i set up the online auto payment. i did not receive any statement since and i thought i paid monthly payment with this online payment plan, but later, like 2month later i received a letter that my interest rate went up to 28.99% due to the non payment. i called customer service center and they said it takes 30 to 60 days to start online auto payment after initially set up online auto payment. i paid out all the balance including 30% interest for 2 months. i was so upset. why they make the auto payment set up takes more than 30 days?

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ElizabethDelavan, WI

Reviewed March 18, 2009

On 2/17/209 Citi Mortgage wrongly withdrew $1,011.71 cuasing us a massive banking problem for us. Among the problem was a $118.00 payment for Home Depot credit payment that was return. We called Home Depot on 2/28-3-2/09 to make an check payment over the phone that day in place of the returned check. The call rep agreed to do two things 1- to suspend the late fee for the account and 2- to run the check over the phone that day. Now we are receiving collection calls from citi group global saying we owe the late charges and that we incurred a higher interest rate. They said it was our fault they didn't run the check. There would not have been a problem had the mortgage company; also citi not wrongly withdraw the funds from our account. They now want us to pay $293 to be caught within the next 20 days.

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KentSan Carlos, CA

Reviewed March 17, 2009

I built up a total of 34,688 points with my Quicken credit card. CitiBank sold their Quicken business to Chase Bank. I cannot redeem my points. Have called CitiBank and Chase Bank and was told my points have expired. I earned those points as a loyal customer and now am being stiffed!

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AliceMesa, AZ

Reviewed March 16, 2009

I have had a rate with them for 5+ years of 8.24%, never been late on a payments. They have increased my rate without notice to 15.99%. I am sending a complaint to them ont heir website, but apparently despite finishing well the 1st two months of this year, thye are still going to rip off their customers.

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HarveyNagoya, OTHER

Reviewed March 6, 2009

As a former employee of AT&T, I was guaranteed the use of my AT&T Universal Card for life with no fees. They have recently cancelled my card, with the excuse that it is because I live overseas. I have lived overseas for over 16 years and they have never said this was a problem before.

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DianeLenox, MA

Reviewed Feb. 27, 2009

Several months ago, I received what looked like a good deal on a credit card from Citibank, and I sent the attached card to inquire about it back to Citibank. I never heard anything back, but months later, I saw that I had a delinquent account with Citibank on my credit report. Huh? The charges were an annual fee and a late fee, for a total of 56 dollars. I have called them several times, to no avail. Once when I called the computer was down, once I couldn't understand the man's accent. On the last call, I convinced the man I never received the card, and if I had, I would not have taken it, as it had a high annual fee.

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SharronCanton, GA

Reviewed Feb. 27, 2009

The credit card is CitiFinancial for Ashley Furniture Homestore. I have had the card since 2006 and have not had any problems. I always use the card once a year for a store promotion of no interest no payment for 1 year. I have always paid my balance in full prior to the anniversary date. This year my payment was due on April 14, 2009, but I paid early. I made the payment on February 11, 2009 in the amount of $819. After the payment cleared my bank, I went to Ashley Furniture on Feb. 22 to make another purchase. Well, the card was declined. The store associate called CitiFinancial and they 1st said there was a block, then they said the card was closed. Of course I was livid, because I had just paid the balance in full and did not understand why.

I called CitiFinancial for more information on Feb 23,2009 and they said the card was closed. When I asked why, I spoke with 3 different people and neither could tell me why. The 1st lady I spoke with refused to transfer me to a manager and ended the call without telling me she was going to disconnect the call. So, I kept calling back and I finally spoke with Mr. Humer Faroogy and he informed me that the card was closed and could not tell me why. He then transferred me to his manager. His manager said the card was closed because of my credit history and payment on my account. I informed her that I had never been late on any payment and had just paid the balance in full. She said that they obtained a copy of my credit report also. I did not authorize this and was not aware that they could do this without my consent. She also informed me that the card was closed on February 22, 2009. That was very strange because that was the day I tried to use the card at Ashley Furniture. I told her it suspicious that I paid the card in full on Feb 11 and the card was closed shortly after I paid - on the day that I tried to use it. She informed me that they have the right to close anyone's card when they felt like it. Those were her exact words. I did not and have not received a letter informing me that my card was closed. I did however, receive a monthly statement letting me know that my balance was paid in full and my credit line is $5,500.

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KateOmaha, NE

Reviewed Feb. 23, 2009

I pay my bill always on time and have never had any late payments! I called to check my balance on my card when I got so thrown off because there was 300.00 additional dollars on my account. I had only made a purchase of 50.00 dollars on that entire statement and yet an additional 300.00 gets added to my bill. So looked at at my APR and they had raised it more than 10%! I never got a letter saying that my apr changed or anything. I called and they lowered the apr. I am just so pissed they got bailout money and yet they still do this to people!

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DanaHobart, IN

Reviewed Feb. 23, 2009

To begin with, my husband and I have a credit score of lower 800's...each! We've been customers of Citicards for years and years. Obviously, we NEVER missed a payment. About two months ago...I was checking my balance and found out I owed over $200 for interest. I was shocked! I looked at the APR and it was jacked up to 13.99% when for over 4 years, we've had interest with them for only 2.99%. When I called, I fought with several different individuals and threatened to close the account and transfer my entire balance to a card that wanted me. Finally, they offered my back my interest and then insulted me by saying they could only support it for a few months. Hmmmmm, I took it and will have it payed off and canceled when the time is up. Oh, but there is more.....last week, I log into their website and it takes me to another website (securely) and asks me for my card status. When I put it in...the website homepage had changed. Not a problem...everything was still running smoothly until today. I go to log on and the website (Citicards.com) states that my account number has been hacked, they are sending new cards and all I have to do is call them with the new cards and update all my direct billing with the new card number. NEVER GOT A PHONE CALL OR ANYTHING! So, I call them. I get hung up on 3 times because they are having phone problems, they tell me that a retailers info was hacked into and my account number along with hundreds of other customers was affected and the website should be working fine. One thing leads to another and now I have to speak to someone in tech support about the computer website issue because once again...nobody knows what is going on. Guess what?? On top of that.....they are allowing me to continue using my SAME account number until the new card comes. **I cannot pull up any info to insure my payments have gone through, I cannot pull up any info to ensure nobody else has used my number, I can't verify anything right now. Then, the service guy got crappy with me!! This is why I have a credit protection company on my side...of course that I have to pay for! I have had it and if you are even considering applying with Citicards......DON'T! The service is terrible!

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CelNorth Port, FL

Reviewed Feb. 21, 2009

I have a credit card account with Citi Cards. I check my balance online every day. Yesterday I noticed a $3.93 charge to Foreign Transaction Fee Finance Charge. I called and was told it was because I had paid a foreign company for some meds I had purchased, and that the fee has been in place for four years. I bought $131 worth of meds from this same Canadian company in June, 2008---no fee. I bought $698 worth of meds from a New Zealand company in November, 2008---no fee. But now I buy $131 from the Canadian company and am charged a fee. It most definitely has NOT been in place for four years and I don't understand why I am being charged now.

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MohammedDubai, CO

Reviewed Feb. 21, 2009

Iam holding Citibank Card.Iam reciving credit card statment to my personal mail id every month.But i am didnot recive Dec statment 2008.I have called to customer service to the citibank compleint about my credit card statment for the month of December.But the customer care told me there was a technincal problem with there system and that is the resason they couldnot abt to send me to my mail id the credit card statement for the december and they told me to make my payment immedeatly then i make 1000AED.They promise that they will revese the charges still they didnt do reverse my charges as they promised me.

The money which they have to reverse is not a small amount for me.THis is not good with the bank to give such type of service to normal human being. I called to the citibank for many time but i recived no answer from them.I already complaint to central bank about this issue. I have all the perfect documents with me to show that iam correct from my side. I am making this issue big since there are problem facing by many coustmer with this bank. I would appricate if my complient is take into consdiration.

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DavidSchenectady, NY

Reviewed Feb. 20, 2009

Received my CitiCard statement a few days ago and noticed that the APR went from 11.99% to 24.99%. That is more than double! As many others I paid on time and noticeably more than the minimum payment to not only pay off interest, but also lower the principal. I was perfectly able to make those payments and would have paid the balance off in a couple of years. After that excessive interest hike I would no longer be able to pay off at the same rate as before or even make the minimum payment that doubled.

I called and the only option offered was to have the account get closed at the card expiration date and pay off the balance at 6.42%. Since I have no choice whatsoever I took that offer. Asking for a reason I was told that all accounts that were close to the credit limit were handled like that. Well, Citibank, you cut my credit line by more than half. Of course it is now close to the credit limit. I talked to one of the head account managers as well and he agreed that the hike was unethical and outrageous, especially since Citigroup cashed in on 320 Billion Dollars of bailout money. I also don't get the business sense here. People are not more likely to pay off their debt with interest rates doubling. The customers either go into bankruptcy, in which case Citi is not likely to get anything, or they close the account and for sure no longer do business with Citi. That is taking the idea of customer retention and flushing it down the toilet. The account manager told me that he was happy to still have a job each day he enters the office. I feel for these people, because they are the next to get laid off while Mr. Pandit and Mr. Rhodes live it up in their multi-million dollar homes.

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JohnJamestown, NY

Reviewed Feb. 19, 2009

45Billion bailout (citigroup) and I receive letter raising my interest rates for no reason. After they lied to Congress saying they were not going to indiscriminately do that. I pay more than minimum, on time every month. Capital One raises my rates in March, some to 29+%%...ridiculous. Bullcrap!!

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ChristinaSeymour, TN

Reviewed Feb. 18, 2009

I have had a card with citi since 2006 with a 5.99 fixed apr. I just checked my account, and they hiked my rate to 14.99 with no justification. I called to complain about it and was told that a notice was sent in the mail regarding the modifications to the terms of my account with the option to opt out of it at the expiration of my card. I advised that I had received such a notice, but did not realize that it had any real bearing on hiking my interest rate that I signed up with. The supervisor I spoke with stated at best they could offer a 8.24 variable APR given my history with them. He stated the justification for the rate hike was that their lenders have increase their rates which is being passed abroad. I found this insulting. They are just passing off a penalty to me without just cause. All I keep reading about is how the banks are increasing rate to consumers with bad debt, but that is not the case.

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CoreyMontclair, NJ

Reviewed Feb. 18, 2009

I have been a citibank credit card holder since 1994. Approximately 3 years ago, when my card balance was at $0, I received a balance transfer offer. The interest rate is/was 2.99%. I took advantage of this offer immediately and am still paying back the balance. I have not been late once and have consistently paid more than the minimum amount due. Since doing this balance transfer, I have not made a single purchase with the card. Last week, I viewed my account online and found that citibank raised the apr on purchases to 24.99% when it was 11.99%. I contacted citibank via email for an explanation and they blamed the increase on the current economic climate. I sent another email to understand why this was done to my account when it had been in good standing for 15 years and citibank received billions of dollars in bailout money. The reply I received instructed me to contact customer service by phone. I have no intention of contacting them further and will be canceling the account within the week. Citibank is a disgusting organization with arbitrary policies designed to worsen, not improve, the economic apocalypse from which we are all suffering. Apparently citibank has no intention of taking responsibility for their role in this problem, will continue to pass out millions in bonuses to their failed leadership team, and keep their collective heads in the sand.

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RobHardin, KY

Reviewed Feb. 18, 2009

I'm in the same boat as all of you with Citi Cards. I was watching C-Spam and the CEO for Citi Cards told a lie to the Mr. Jones on Capital Hill. Mr. Jones is with the Treasury Department, under the Market Assistant Plan. R-North Carolina. Vikram Pandh is the Ceo for Citi Cards. In congress Vikram Pandh and other Ceo's creditors was in the hot seat, many questions was asked about their banking practices. Most of them kept their mouth shut only when called upon. They where asked about their income. Most of them said one million dollars a year plus their bonus to inclued Mr. Vikram Pandh Ceo of Citi Bank. They where asked, if they had their own plane as I recalled they all owned a plane. The Ceo for Citi Bank Mr. Vikram Pandh said, he would work for one dollar a year till his company turned around with a profit. Mr. Vikram Pandh was asked if he would give his customers a break by charging only 9 percent for two years to help his customers out while this economy is in bad shape. To my recolection, he agreed to this. As you all know our rates have increased and we all smell a double dipper here. What all of you need to understand is that these CEO's need our business in order to have a job, and congress member for us no matter what state or district they work in. We pay them and they can be voted out,if our voices are heard. So I have listed some of the members of congress that was in this meeting. It is your choice to contact them or just lay down and except defeat. United we stand divide we fall. Your voices need to be heard. I was impressed by some of these members of congress they was drilling them really hard about the way they have handle not only their business but the bail out money. Please stand with me and contact the people I have listed that was in this hearing.

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RyanOneonta, NY

Reviewed Feb. 17, 2009

Citi Cards just more than doubled my interest rate from 6.9 to 14.9 despite my FICA score increasing and I've never been late on a payment since I've had the card which is more than five years. It is disgusting because my tax dollars are being used to bail this company out. This is double dipping and government should be aware and intervene on behalf of the card holders and punish Citi Cards by taking away their bailout!

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A.E.GuytonLouisville, KY

Reviewed Feb. 17, 2009

Citicard has raised my apr to 29.9%. I have never missed a payment. I always pay over the minimum amount due.

I was furious and called. The customer service rep did nothing and said I needed to call another number. I called the other number. This rep didn't help either. I emailed Citi and mentioned the almost jet purchase, the $45 billion bailout money, and reminded the company that I was a taxpayer! I also stated I would email them along with my congressman and senator every day until they lowered my apr. I received an email less than 4 hours later stating that they would be happy to lower my apr to the initial sign-on apr. The caveat is that I have 4 months due to a blemish on my credit report. They told me I had this time to work out said blemish however, did not tell me what this blemish was...I have not missed any payments on anything. Now, I have to pay to have get my credit report and see what they are talking about? They are threatening me and this is criminal. They received $45 billion in bailout money...isn't that the worst blemish of all? I will do everything to pay this off in 4 months and close the account immediately.

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JoniClayton, NC

Reviewed Feb. 16, 2009

Although I pay in full my credit card every month regardless of the balance this morning CitiCard decided to place possible negative feedback on my Experian credit report. It says that I went over my balance. I called CitiCard and in fact, I was over by 5.21. That's it. They refuse to remove it.

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VirginiaSan Juan Capistrano, CA

Reviewed Feb. 15, 2009

Out Citibank credit card indicates that we have been a customer for over 20 years. During that time we have not had a late payment and normally pay our balance in full each month. Citibank has increased our credit limit over the years at their own discretion - it is not something we have asked for. Our credit score is slightly under 800. (my husband Lemuel W. Kerr, Jr. is the primary card holder but I am also on the account) Recently we received a letter from Citibank indicating that they are increasing the variable APR for purchases. ...purchase APR will equal the US Prime Rate plus 13.99% with a minimum APR of 19.99%. We have the opportunity to opt out of this by March 31st, 2009 by calling 1-800-766-2484. If we choose to opt out, we can use our account under the current terms until the end of our membership year of the expiration on the card, whichever is later at which time Citibank will close our account. I called and spoke to customer service to ask what this was all about and was told that is has nothing to do with our payment history or our credit rating but that this was a business decision made by Citibank. I was also told it really wouldn't affect us since we paid our balance each month. It seems to me that we are the kind of consumers that should be rewarded for using credit responsibly!

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GiuseppeNew Castle, DE

Reviewed Feb. 14, 2009

Citi card doubled my interest rate from 12% to 25%. They said I can have my old rate back if I let the account close when my card expires. I've never been late and I've always paid more than the minimum due. Then they had the nerve to ask me if I wanted to apply for another card. I just laughed. I won't be putting anymore money in their pocket if I don't have to. Giuseppe

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JudyScandia, MN

Reviewed Feb. 13, 2009

CitiCards sent a notice in Nov. to their individual credit card holders, stating that the interest rate would go from (in my case), 11.9% to 21.07%. They stated that you could decline by Jan. 30th, and when your card expired, the account would be closed and you could continue to pay off at the current (11.9%) rate. I called in my decline, and sent a registered letter, both by Jan 30th. My January statement had included the new 21.07% rate - about doubling my finance charge for the month.

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KellyPetersburg, MI

Reviewed Feb. 12, 2009

In January my interest rate on my Citicard credit card was raised from 7.99% to 14.99%. I also called to find out why and was given the option to remain at the 7.99% and have my account closed in May when my card expired. I expressed my displeasure at the situation and was told I could talk to an account specialist. This person agreed to lower my interest rate to 10.24% which I took, but I am still not happy about. He had the nerve to begin by thanking me for being a loyal customer for over 5 years. I told him it was quite a rewards program they give to their good customers. I have never missed a payment, been late with a payment, or gone over my limit, which they are continually raising. My account has a $30K limit, which is ridiculous in my opinion, but it hurts your credit score to ask them to lower it. Thankfully I had transfered over $17K to my Capital One card right before receiving my January statement. I was offered a rate even lower than the 7.99% I had with Citicard. I will pay the small Citicard balance off when I receive my income tax refund next week and don't plan to use Citicard again. I can't believe their actions. Instead of trying to help the economy they are trying to make more money off of it, while sitting on the bailout money and trying to purchase new corporate jets.

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BarbaraFlushing, NY

Reviewed Feb. 11, 2009

After just 2 months with the card, I decided to be a good customer and pay off 50% of the card. I needed to then use my card a week later AND IT WAS DECLINED. The payment was out of my bank but Citicards NEVER CLEARED IT despite it being on their books! I called 3 days in a row and they kept saying tomorrow you will have your money - I AM STILL WAITING!

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AnitaWest Lafayette, IN

Reviewed Feb. 10, 2009

In August I moved from India to the US. I have had a Citibank account for the last about 10 years and moved to an online statement when I moved to India. When I moved back to the US, I requested for statements to be sent to my local address which was never accommodated. I have been paying my statements online as a result. In Nov., due to some reason I could not access my online account. I tried changing my password, I could not. As a result I missed one payment. I then received a call from the customer service reminding me of my payment. He was willing to accept a phone payment but could not furnish me with any information on charges posted to my account. When I asked him to list all the charges, he said he did not have access to my statements. When I asked him how much I owe, he said $2900 and I knew this was incorrect. I spent 2 hours talking to him over the phone asking him to read every item posted to my account. he could not account for more than $700 of charges. So I refused to pay over phone. I told him that I have problem accessing my online account and to send my statements to my home address. He said he will make a note of it but again it did not happen. I kept trying to access my online account and by fluke, i was able to again and paid my statement online. The payment due was $2400 approx. I closed the account after making the payment. After closing the account, for the next statement, I was charges a finance charge and then a late payment fee. I called the cust serv and requested that they remove the charges as i did my best to make my payments but it was due to lack of customer service that I have not received statements on time. They took my concern and promised that they will remove all fees. Today I have received a letter stating that As discussed, we are unable to accommodate your request for a credit to your account because credit for the payment, transaction, fee, or finance charge was previously applied to you account.

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TheresaPlymouth, MA

Reviewed Feb. 9, 2009

I have had a Citi credit card for over 10 years. My interest rate was always around 12%. In January they increased my credit card to 20%!!!!! I have never been late on my payments and use the card all the time. I called them about it and my options are to reject the interest rate increase and NOT be able to use the card anymore and pay the remaining balance off at the 12% rate or accept the new rate and be able to use my card, but at 20% (for new purchases and the balance owed already on the account).

I find this VERY DISTURBING that they are allowed to do this. Not only do they get a HUGE bailout from the government, they increase everyone's credit card rate....even accounts in good standing. I realize there is little or nothing us consumers can do about this, but I thought I would at least log this complaint in.

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TommyDes Plaines, IL

Reviewed Feb. 9, 2009

Citi Cards upped my rate from 8.99 to 16.99 without notice like everyone else around here. Looks like they're putting the squeeze on Americans in a way that will be detrimental to the entire economy. The irony of credit is that it's plentiful when you don't need it, and awfully scarce when you need it most. Same deal as everyone else, they offer the opt out when you call them (for me by the end of March) provided they close your account and you pay it down. They better hurry and screw everyone before those consumer protections begin in 16 motnhs or so. It was absolutely obvious that this fallout was coming and that's why the bankruptcy laws were changed in '05 to protect the corporate bloodsuckers. The whole system is now falling apart because Congress makes protections to coprorations retroactive and 'protection' for consumers takes 18 months from the beginning of the fallout to get enacted.

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MaaynFullerton, CA

Reviewed Feb. 9, 2009

I recently noticed on my online Citicard MC account that my APR was 15.99%. Two weeks ago, this rate was 8.99%. I have been a Citicard customer for 4 years and for the past year, have always paid off the balance at the end of the month.

I called a representative who told me that I had three choices. 1) I could agree to close the card at the end of the term to keep the 8.99% APR. 2) Keep the 15.99% rate. 3) Lower it to 13.74% (after checking my account information). I didn't want to lower my credit score since I plan on buying a house in a few years, so I chose option 3. The availability of option 3 makes me wonder how they could arbitrarily raise and lower my rates, especially since I never carry a monthly balance on any of my credit cards and don't even have a car loan. I only use credit cards for the points and benefits. The representative assured me it had to do with the current financial situation.

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DianeEncino, CA

Reviewed Feb. 8, 2009

I made an online purchase at a US website for a company out of England. The transaction was in dollars, the merchandise shipped from New York, but they still charged me a foreign transaction fee. They told me they had to pay the merchant in pounds, which I confirmed was not true. The latest is that as of December 1st, if the company is located outside of the US, even if you pay in dollars, you are charged a foreign transaction fee. They substantiate this rule because they put it in writing and sent it to their customers. What a scam!

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RandallUnionville, IN

Reviewed Feb. 7, 2009

Approximately two years ago I received a business card through Citibank for a Citi Mid Prime Business Card. The company sent me a 0% offer via the mail and I inquired and accepted the card that had a balance of $5000. I used the card quicker because of transfering some balances to the card. Approximately a year later we refinanced our home to pay off a number of credit cards. Sadly we were considering bankruptcy at that time, however the Lawyers we spoke with said we had to much equity and assets for that to be feasible. We relunctantly agreed to a refinance that increased our rate by 2% and our payment by $850 a month. The new situation required us to use our existing credit lines more often to assure that we could still make our house payment on a now $360K home loan. We were sort of hoodwinked into the higher rate at closing than we expected, but we still felt that was the only decision that was feasible.

Unfortunately, my spouse and I have credit cards with Citi, Chase and Bank of America as well as some retail cards. We have entered repayment arrangements with most of them and are still hoping to get a rate reduction on our home to avoid foreclosure. Citimortgage also holds our homeloan which is now also behind. We used all of our available 401k to pay off or settle with as many cards as possible. Some of them agreed to settle for less than the whole balance. Citibank card has not only refused to settle for $5297 but has not offered any payment arrangements outside of once asking for payments starting at $1500 each. This created a situation we could in no way remedy or justify remeding. They have a lawyer who has threatened for them to garnish my wages and now they are threatening to sue us and hold us responsible for court costs. Unfortunately we have no means to justify payment to them in full since we do not have the money and have other cards with balances.

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LyndaByron, MN

Reviewed Feb. 7, 2009

I was informed by this company that I have an outstanding bill of $13,000. I asked Sears for a statement of charges and have referred me to Citigroup. They statethey do not have it. I cannot get it from anyone. I have never charged anything to THAT excess. No one can help me. BEFORE I asked for statement of charges, this was turned over to Christian Brothers Debt Consolidation. Than I get nasty phone calls from Resurgent/Sherman about paying them on this account. They have settled for $8000.00 for me. Still no way I would have charged this much. I do understand that this may interest and late fees. Sears Mastercard stopped sending billing statements years ago. I told them I was not paying anyone anything until I had an itemmized statement. Christian Bros has an escrow accoutn for me but I do not have to pay into that until I am satisfied with the Sears account billing statement I have requested.

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KristinWashington, DC

Reviewed Feb. 6, 2009

I was notified by Citicard that my APR would be increasing from its current 6.14% to 14.99%, regardless of my excellent credit history with them. I have been a cardholder for many years and have never been late or missed a payment and have maintained an excellent credit score throughout all of my adult life. I understand the difficult economic climate we're all in, but how do they justify getting a taxpayer bailout and then systematically forcing additional costs on to good-standing customers? These are the same immoral practices as the predatory lending that got their industry in this situation to begin with. Luckily I have a low balance on this card and will have it paid off in a few months (and would have regardless of this new policy), but in order to avoid the higher APR in the meantime I have to agree to cancel this card and take a hit to my credit score at a time when having good credit is essential. I hope to be a first-time home buyer in the next couple of years, and doing so will require the excellent credit score I have worked so hard to maintain over the years. As a customer, I am incredibly offended by a company that finds itself in hard times and instead of compromising on an acceptable rate and procuring my continued business (which I would have been happy to keep giving them) they would rather make me an offer that severs our business relationship forever and forces me to take a hit to my credit score by canceling the card. The choice for the consumer is to pay an undeservedly high rate or payoff and cancel the card. Two choices, no compromises for even the best customers, take it or leave it. It probably isn't extortion, but it feels like it. Well, I'm happy to be taking my business to Capital One, who actually just lowered my rate on their card to 4.99% without my asking. Even in these difficult economic times, they seem to get it - if you treat your customers well, you will keep their business. Citicard has lost mine forever.

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IgdaliaKendall Park, NJ

Reviewed Feb. 6, 2009

On 1/5/09 my account had a credit balance. On 1/19/09 I called to get a refund check and spoke to Margie. On 2/6/09 I spoke to Kate ID KW48963 and she said I had to wait 14 days before the matter went to the review board. They are playing games because she said there is no record of my refund request on 1/19/09 with Margie. I need my money. I did a balance transfer for a better interest rate and paid the min. and now I'm having trouble getting the money back. If I'm late one day I get charged a late fee and my interest goes up a lot but if they ignore my request it's OK with them. Kate laughed at me when I said I needed my money right away.

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WaltLeominster, MA

Reviewed Feb. 5, 2009

Every single credit account handled by Citi (Home Depot, Sears, Citi, etc.) has had it's interest rate rise from 7 to 12 percent, this after taking $45 billion in bail-out money. Of course there is the option to opt out of the changes, which results in an automatic closing of the account. These are accountw with variying balances, but uniformly excellant payment records. Of course closing the account(s) has a negative impact on one's credit rating. When I spoke to a supervisor at Citi, I was told that this was simply a move to increase profitablity.

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RobertKendall Park, NJ

Reviewed Feb. 4, 2009

Similar to what others have described here, I received a 12-15 page legal document outlining a Change in the Terms and Conditions relating to our Sear's Store card (Citibank). Buried in this small print were changes which raised the current APR 3.40% & the default APR to 29.99%. In addition to late payments, the default APR would be triggered if the credit line was exceeded. We had two promotional purchases on the Sears card. At the time of the 2nd purchase we exceeded the CL. We inquired about this and were told there was no impact provided payments were made in accordance with the then current Terms. Although we have met our obligations under the Terms, based on these new Terms, unless we opted out, we would automatically be considered in default. Both promotions would then be subject to the default APR & immediate finance charges. Needless to say, we opted out and 'froze' the current Terms, ie promotional deferred interest. According to the customer service rep, we can expect a similar change in Terms to our Sears Master Card (also Citibank backed).

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AmandaHoney Brook, PA

Reviewed Feb. 4, 2009

Alright...my husband and I have always paid all of our bills on time-which is why the credit card companies offer us HUGE limits. I take personal responsibility for spending too much, but last week, I went online and found my citi bill was OVER DOUBLE last month's payment! We have NEVER paid late, we have never gone over the limit, we trusted and assumed we would keep our 8.24% interest rate. But just like all the rest of you, they skyrocketed our account to 24.99%!! This reminds me of the mortgage crises-people who bought homes with variable interest rates and then ended up unable to pay and foreclosing. I have had my citi card for 10 years and will no longer be able to make the payment-would citi bank rather have hardworking consumers who pay their bills, or are they creating an environment where people cannot pay their bills. It is pure GREED. The government will start regulating credit card interest rates mid 2010-so is citibank trying to gouge people in the interim? ALL OF YOU-DO NOT SIT BACK!! DO NOT BE COMPLACENT!! It is time to report citi to the better business bureau-if they get an influx of complaints, they will respond. Write the president-1600 Pennsylvania Avenue. Write your congressman. Write your senator. Contact your local news company and get this story on the news. It is happening to millions of Americans. When people take action against a company that is involved in unfair business practices, there is a way to speak out.

SO PLEASE, if everyone can speak out against this company, we may have a chance of not being further in debt and unable to pay when citi ends our terms and increases our interest rates. I am a hardworking, honest person who wants to see a resolution to this unacceptable interest rate increase.

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GianShelby Twp, MI

Reviewed Feb. 4, 2009

Along with other Citicard credit card holders, my interest rate went from 10.99% to 24.99%...due to current economic conditions. I have never been late not ever missed a payment. I get this after the taxpayers give them money to stay alive? I guess hindsight is 20/20 but Citi should be forced to go bankrupt.

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AnnWhite Bear Lake, MN

Reviewed Feb. 4, 2009

I've been a Citbank customer for several years. I had a call from Citcard last fall offering to lower my interest rate from 14.9% to the 9.9% rate so that I would use my card more often. Great! Luckily I didn't use the card too much because my interest rate just went from 9.9% up to 24.9%. I just called to question this as I've not been late on payments and I'm a good customer. I got the same answer as others...blah blah blah economic hard times. I was given the option to Opt out and told that I would have to pay the balance in full once the renew date comes around. I was told that if I didn't pay the total amount due by the renew date I would be reported as past due to the credit bureaus and it would affect my credit score. It seems like they are encouraging people to declare bancrupcy. I'm a single parent and I've worked hard to keep my credit score in the 700s. I'm lucky that my balance isn't too big and I think I'll be able to get it paid off by the renew date, but I suppose my credit score will suffer regardless. I will be contacting the Better Business Bureau, my congressmen and anyone else who will listen!

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DanielOlivebridge, NY

Reviewed Feb. 3, 2009

After many years, and paying all debt on time, Citi raised my interest rate from %5.99 to %18.94...I called and the representative explained they sent all card holders Notice Nov/08 that rates were going up, My choice was to opt-out of the card when it expires and they would leave the interest rate at %5.99, but the card is effectively closed at this time, so additional charges will be allowed..This is an outrage, in my case I have excellent credit and always pay much more than the minimum payment on time every month... Guess CapitalOne will be seeing alot more credit applications in the next Month...

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HarryHillsborough, NC

Reviewed Feb. 3, 2009

I have been a customer for a number of years in which time my account has always been in good standing. I used the card frequently and kept the balance paid up. Through most if not all of this time my interest rate has been 7.99%. Late last year I needed to make a purchase of a substantial amount and after weighing my financing options I chose to go with the Citi Visa card because of the reasonable rate. I since then have made regular payments amounting to quite a bit more than the minimum in an effort to get the balance paid off in a reasonable amount of time. Yesterday I opened my current bill to find that my interest rate had almost doubled (7.99 to 14.99). When I called I was told that this was necessary because of the economic conditions and that Citi needed to pass increasing cost on to its customers. I was however given the option to reject the higher rate and pay the card off at the lower 7.99%, but (and a big BUT) my account would be closed. Knowing what closing a credit card account does to your credit rating I chose not to.

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DTampa, FL

Reviewed Feb. 3, 2009

15 year Loyal customer. Never late in 15 years. Pays online.

Went to make Feb 20th payment (early) and saw that my interest rate went from 5.83 to 14.99. The customer svc rep advised that ALL (millions)card-holders were notified in Nov 2008 of a change in terms and an opt out clause because the Bank were experiencing financial difficulty due to economic times. She was reading a script, as she stumbled a bit when I delved into questioning the rationle... I asked for the CEO's name and address to discern what the Bank did with the excess of 40 Billion the tax-payors of this great nation forked over to him recently. I was informed the new CEO was a Mr. Vikram Pandit. I have already penned a letter to him, and the Board of Directors of the Citi group regarding the abusive practices the Bank seem to be engaging in, in the name of staying in the black. Perhaps suggestions of cost cutting measures such as million dollar yearly bonuses, company lear jets, company cars, expense accounts, Golden Parachutes and the like should be eliminated across the board to alleviate the debt/stress placed upon the bank and their loyal customers such as this consumer. Company loyalty is paramount for ANY industry to survive. To hike up the rates, to adjust for the losses, on top of being bailed out by the Fed's, this and every other Bank will loose more than their customers... they will loose something much greater: credibility and name recognition. My card expires 12/11. Let's see if they close my account prior to that date. We all are hard, tax paying workers. Some more and less than other... we all are suffering in one aspect or another. A flagrant decision without a sound resolution can not and will not be tolerated by the millions of us who endeavor to make it through this financial crisis we are ALL facing.

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RichardVan Nuys, CA

Reviewed Feb. 3, 2009

Citicard gave me two options, either accept a purchase APR that was more than double my current rate (from 6.74 to 14.99%) or lose the card at its expiration date. I opted for the latter but I've worked hard to build good credit and was looking forward to keeping a good relationship with a card which has - up to now - gradually decreased my APR and increased my credit limit.

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StephenCollegeville, PA

Reviewed Feb. 3, 2009

As stated by other members, my interest rate was jacked up to 19.99% from a rate of 13% only a month prior. I have an excellent credit score and have not ever been late with a payment in the five years I have had an account with CitiCards. I was so frustrated that my complaints through customer service email were returned with a pre-scripted response that told me that if I didn't like their new conditions, I had to opt out of their terms and conditions. They offered me no solace for their unnecessary rate increase, especially since the news has been reporting Citigroup attempting to buy $50 million corporate jets on taxpayer money and giving out lavish bonuses to their employees. This is irresponsibility and greed at the highest level. Regardless of the consequences to my credit score, I felt as I was forced to transfer out my balance from college expenses to another credit company. Regardless of my five year history as a credit customer with Citigroup, I absolutely refuse to be taken advantage of with such disregard to me as a paying customer.

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WandaSanta Monica, CA

Reviewed Feb. 2, 2009

I am one of thousands of Citibank customers who have received a Notice of Change in Terms and Right to Opt Out letter (not dated) from Citibank informing me that they were increasing my APR to 19.99%. This 6% increase, per the customer service rep is a reflection of the current conditions in the financial market. After a lengthy conversation with the customer service representative on February 1, 2009, she allowed me the only option which was to Opt Out; continue my current % rate until the card expired or/if Citibank closed it out. The Opt Out option would have a negative affect on my credit rating because it was not consumer requested. This is an outrage, along the lines of extortion. I know that greed is not illegal, but it is, if not an out-and-out refusal by Citibank to adhere to conscionable law without causing hardship to it's customers.

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ChariMerrifield, VA

Reviewed Feb. 1, 2009

When I received my statement, my interest rate went from 7.99 to 14.99. I have never been late with any payments for any account. I value my credit rating and it is currently at 783. When I called the company I was so upset I could hardly think straight. The Supervisor, Marlene said it was not personal, it was due to economic circumstances. She stated she could see I had been a customer since 2004 and my payment history. She was willing to give me the following offer. The could put it back down to the 7.99% interest, but when my credit card expired in Sept. 2009 they would close my account. I would still be able to pay on it - but I would no longer have the account.

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JamieLake Plc, NY

Reviewed Jan. 31, 2009

I use my citicard for most all of my purchases but pay my balance off every month. Because I pay off every month I'm never charged interest. I've never been late with a payment. I see that Citi increased my rate from 11.49% to 18.99% within the last month. When I called to asked why (I can barely understand the customer service agent) I am told that it is due to recent changes in the financial industry. Never was sent a notice to opt out as the agent said. Agent changed my rate back to 11.49%.

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JeremyMishawaka, IN

Reviewed Jan. 30, 2009

I had this account closed due to some financial issues I was having, and set it up on an automatic payment plan. In December, I lost my job and, after my January payment came out, I specifically requested that they stop the automatic payments because I would be unable to pay them as I was unemployed and had been denied unemployment. I never heard back.

At the end of January, I received the usual letter stating that the $75 was set to come out on Feb, 2 and to make sure I had the money in the bank to cover it. They ignored my request for stopping those payments, and what's worse is they never responded either by phone or letter or email or anything. So while the government gives them billions of my tax dollars, they ignore requests by their customers to make other payment arrangements.

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AudreyAustin, TX

Reviewed Jan. 30, 2009

Another victim of the suprise rate hike, the interest on my 11.99 fixed rate card was more than DOUBLED to 24.99. With my outstanding balance, the payment due is now 437.42 -- nearly double the $236 payment from the month prior... and all of it interest. Given the same choice, to get my old rate and close the card (which could have negative credit implications) or suffer under their usury terms, I was lucky -- I had the funds to pay off the balance and give them the proverbial finger. I just won't use the card (except for the occasional $.89 taco, just to prove my point).

We used to have protection from excessive interest charges, but over the years credit cards and banks lobbied to get many of those consumer protections stripped. Now they are enjoying the fruits of their lobbying labors -- by jacking up rates without ANY fear of legal repurcussions when most people in this country can least afford it.

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JonOrlando, FL

Reviewed Jan. 29, 2009

After 10+ years of impeccable payment history -- never late, always MORE than minimum each month or paid in full -- apr raised from 9.99% to 24.99%. Per Michele at Citibank -- Due to the financial crisis in these economic times, Citibank is raising interest rates. -- Her further justification was -- because Citibank is within its legal right to do so. -- We, as taxpayers, are being penalized twice and thrice. We pay bailouts for banks who have mismanaged and overcharged for years, for frivolous with bonuses and extravagance spending. Banks charging LOAN SHARK interest rates because, as Citibank representative advised me -- is within its legal right do do so. -- What good is so-called bailout or stimulus package when the people running these entities are immoral, greedy and do not understand the basics of how to do business. It is time for a revolution of the common people.

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BrianChichester, NY

Reviewed Jan. 29, 2009

I actually have 3 different Citicard acounts.I've had the one I'm writing about now for 25 years.I don't think I've ever been late with a payment.A couple of weeks ago I saw that my interest rate went from 15.990% to 24.990%.The minimum payment went from about $450.00 to $850.00.The reason being that I went over my limit so I would have to pay a $39.00 over limit fee.I explained to the guy (he was from India and I couldn't understand what he said his name was)that I didn't go over the limit Citicard did by raising my interest.

The guy said he could lower my rate back to 15.990% if I agreed to close my account when the card expires.Of course I said yes.I checked online a few days later and my minimum payment is down to $450.00 but my rate is still at 24.990%.I will be paying my payment tomorrow when my pension check comes (I'm retired) and when the payment clears I will call them again and ask them to fix it.I'm afraid if I call before I make the payment they may say I have to pay the larger amount. It is my opinion that Citicard is trying to squeeze out their older customers.

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JeanneDrewsville, NH

Reviewed Jan. 28, 2009

I received a letter in November, 2008 that my APR was going to be 12.99%. At the time I was not surprised due to the recent financial crisis. My next bill had a 6.99% interest rate, and I figured the stimulus had kicked in. This month I received my bill and the interest rate had climbed to 14.99% with no notification that it would be increased. I regularly pay the amount owed in full each month. I have an outstanding credit score and have not been late with payments. Why do we continue to get hit for the mistake of others? It seems criminal to raise our interest rates 100% when we consistently pay on time and generally in full. We are a retired couple living on a fixed income and use credit with great discretion. I will be canceling this card. It seems the economic stimulus package scammed the honest and assisted the abusers!

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ElizabethLander, WY

Reviewed Jan. 28, 2009

My Citibank credit card is used only for automatic charges such as my phone bill, netflix, and my broadband connection. The monthly total is usually between 35 and 40 dollars. In December the bill arrived on December 24th. It was due December 30th. With the holiday it was impossible to get payment to the Nevada payment office in time. I was charged a $30 late fee. If I am not home on the day the bill arrives it is impossible to pay it on time. I won't be using this credit card anymore. My credit union gave me a credit card with lower interest and bill that arrives on the 20th of the month and is not due until the 10th of the next month. Goodbye Citibank. You have scammed me for the last time.

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SarahSt.Marys, WV

Reviewed Jan. 27, 2009

Last week to my great dismay, I opened my Citibank credit card statement. My interest rate increased from 12.46% to 24.99%! I have always paid my bill on time and have never missed a payment. My goal was to pay my balance down and have used the card very rarely over the last year. I currently have available credit. When I spoke to Citibank they informed me that all their customers will be receiving an interest rate increase and the only way to keep your lower rate is to let the card expire in a few months. I have no choice I had to agree to let it expire because I will never be able to pay an 100% increase plus I will never get the balance down. These are not new purchases that I am paying higher rates on. Meanwhile, these crooks are asking for more bailout money while they are purchasing a new expensive jet.

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LarryMagnolia, TX

Reviewed Jan. 27, 2009

I was unable to make a large purchase approx $1,500 with credit card. I called and was told my payment was late. The following is paymentand purchase history.

12/18 paid $2.94 (thought to be balance)(appears I owed them $.61 additional to pay in full) 1/10 made purchase of furniture $757.74 1/16 Charged late fee $39.00 1/16 Charged finance charge $2.77 My balance on this statement dated 1/16 is $800.01 From what it appears I was not allowed to make the purchase due to being $.61 short on this 12/18 payment along with that I incurred $39. late charge

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TolekSouthbridge, MA

Reviewed Jan. 25, 2009

They have raised my interest rate as well as 30% of there other card holders only if you have a balance on your account. Thats discrimination to certain members. I have excellent credit and have never been late with payments. I would have never accepted this card if they told me the interest would be 24.99% They lured me into the low rate then stabbed me in the back. These banks are loan sharks in disguise and they have the nerve to ask for goverment money which is tax payers money! There should be a class action lawsuit for discrimination, unfair business practices!

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SantaPaterson, NJ

Reviewed Jan. 25, 2009

I received my statement today. Unfortunate for me my apr had been raised from 9.99% to 14.99%. I have never been late with a payment. I have excellent credit history. I live on social security. I have received no prior notification of them doing this to me either. How dare banks do this to consumers without them being notified. Banks are taking advantage of this economic crisis.

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AmyChicago, IL

Reviewed Jan. 24, 2009

I just received a notice that Citi is raising the default APR to the GREATER of prime plus 23.99% or 29.99%. Can you believe it? 30% interest on a credit card? For being late on one payment? Wasn't this kind of interest rate once illegal? What happened to our consumer protection laws? And, on top of being able to charge loan shark rates, they are getting TAXPAYER money to bail them out of years of mismanagement and poor business decisions. Are we taxpayers charging them 30% when they miss a payment by a couple days? Of course not. Can you imagine a business where you can legally charge 30% interest (in addition to the fees they charge merchants for each transaction) and yet can't make money? We should all write our legislators and put these people out of their misery. Surely some non-Wall Street types can do better than this!

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AtilioBonita Springs, FL

Reviewed Jan. 24, 2009

My citi card rate jumped from 5.99 % to 13.99 percent. when i found out about the change in the terms i called up customer service and told them that i did not agree to the terms. it was explained to me that if i do not agree to the terms the card would be closed on the expiration date of the card, which is in october 2009. so i was fine with that. then when i go online to check my account a few days later, they went ahead and just closed my card.

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AdamGalloway, OH

Reviewed Jan. 24, 2009

I have been a loyal Citi Platinum MC holder for almost 5 years now. Up until now I have never had a problem with the service I have received. They have always been willing to lower my APR and the automatic offers on higher credit limits have been more than adequate.

From Dec. 2008 to Jan 2009 my APR jumped from 9.24% to 16.99%. I have never made a late payment, never been over my credit limit, and always paid more than the minimum amount due. At the moment I currently have no balance on my card. I phone customer service and was informed that their credit rates have raises across the board. They told me I should have received notification in October 2008 and if I wanted to opt out of the new rate then I could use my card until it expires in Nov. 2009. To say the least I was appalled. I began to question the change but only received more about the change was across the board and there is nothing that can be done except to opt out of the new terms. After attempting to argue my case I opted out of the terms and explained that I had never received a mailing about the change. Since, I have gone through all of my old mail and still have not found this alleged October 2008 announcement. How can this practice be fair? Afterall Citibank has received some of the best of the bailout packages that taxpayers, like myself, are paying for. Other than making me feel that my business is not appreciated, it is not a problem for me to close my account with Citi. What about the many other card holders who are in situation that require the credit line.

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AllanNorfolk, VA

Reviewed Jan. 24, 2009

I have not missed any payments on my credit card and have always paid more than what is the minimum due. From a minimum due of $70, it went up to $100 with an increase in APR. I emailed customer service and the only thing they said was that a mailer was sent out in November 2008. I never received any mailer. And they said if I want to dispute, that I can and they will close the card and the balance need to be paid off at the initial account expiration. What happened to the bail out money they got? Is raising APR's and minimum amount due an answer to this economic crises. I do not understand Citicard.

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AnneHampton Bays, NY

Reviewed Jan. 23, 2009

I have had my CitiCard for almost 15 years. During that time, I have never been late in paying, have always either paid the balance in full or more than the minimum due. Two weeks ago, they informed me that my limit had been raised from $20,000 to $25,000 because of my excellent credit history. I received my statement today, and found that I too have just received an interest hike from 5.47% to 14.99%. Unfortunately, I have a large balance on this card due to emergency medical services not covered by insurance, my minimum payment has now more than doubled, and I am unable to pay it. I called CitiCard, and was told the same story about accepting it or closing my account, after 15 years of perfect history. I am beyond furious, and agree that they are squeezing this hike in before it's deemed illegal. I had no choice but to opt out and feel almost like I have been blackmailed. Do they honestly believe it makes fiscal sense to put their customers in a position where the only choice is default? It's absolutely shameful for this company to both double their interest rates AND take our tax money to bail themselves out. I am contacting my state representative to both complain and to find out if there is any legal recourse. Argh. I am so mad.

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AnneHampton Bays, NY

Reviewed Jan. 23, 2009

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BrentSaint Cloud, MN

Reviewed Jan. 23, 2009

I've had my Citi Platinum card for about a year and a half, and I've never once been late on a payment to them. On January 20th I made and on time online payment and checked my remaining balance. That same night I ordered two gifts online (one was $20 and the other was around $250) and used my Citi card for it, knowing that I can cover the cost. Anyways, a few days later one of the packages arrive (the cheaper one)and I then started wondering where the other package was. I called the place I ordered from and they said that my Citi card didn't go through for the more expensive item. I thought oh no, I need this gift for tomorrow, which I wont get until the following week now. Long story shorter, I went to my account balance online and noticed that my remaining balance was $60 and my total available ammount had dropped about $1000. I then called CitiCards and asked them why credit limit dropped. They said that they recently did a review of my credit score and decided to drop the limit. I told them that I never received any sort of notification of this, but they did not seem to care. I also told them that they held up a gift for someone that I ordered, but they still did not care one bit. I then told them to close my account, and they did on the spot without any care in the world. I've had many friends tell me not to deal with Citi before I got my card. I should have listened to them. I don't know why they wouldn't want my business, especially since I've never been late on a payment and always paid quite a bit more than the minimum. I hope they learn a valuable lesson in this tough economy. PLEASE DO NOT GET THIS CARD! YOU WILL END UP REGRETTING IT!

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KathleenKendall Park, NJ

Reviewed Jan. 23, 2009

I have had Citi Cards ATT Universal Mastercard for the past 9 years. My interest rate has been 9.84% which I have been pleased with.

They have informed me [ I don't recall getting anything by mail] that because of the economy & the current economic condition, my interest rate will be 24.99%. I chose to opt out & remain at the current rate & close my account after it is paid off.

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KathleenKendall Park, NJ

Reviewed Jan. 23, 2009

I have had Citi Cards ATT Universal Mastercard for the past 9 years. My interest rate has been 9.84% which I have been pleased with.

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EdWayne, ME

Reviewed Jan. 23, 2009

We have had this Citi Card for some time now. We sent our payment to them on time, but they did not recieve it. Once they contacted us we informed them that we would like to give it a bit more time because we knew as soon as we would make an extra payment via telephone, the original payment would most likely be received. They agreed to this. After a few weeks, they still had not recieved payment, so we made a payment over the phone, and the very next day the original payment was received. Now since our payment was late our interest rate was jacked up to 30%. What a ripoff. I feel as if they should not be allowed to increase the rate so high. after calling them about the increase, we were sent a letter stating that they would not lower the rate until we have made 12 consecutive payments. How unfair to charge 200 dollars of interest from now on

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BrianBrooklyn, NY

Reviewed Jan. 22, 2009

My citi card rate jumped from 5.99 % to 13.99 percent. when i found out about the change in the terms i called up customer service and told them that i did not agree to the terms. it was explained to me that if i do not agree to the terms the card would be closed on the expiration date of the card, which is in october 2010. so i was fine with that. then when i go online to check my account a few days later, they went ahead and just closed my card. when i called customer service again the rep was confused at why they closed my card and said that the mangers said that since october 2008 just passed they decided to just close the card.

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PhilNewmarket, ON

Reviewed Jan. 21, 2009

My wife has had a CitiCard for several years and it has always been 14.99%. From December 2008 to January 2009 they bumped the rate from 14.99% to 24.99%, no notice, warning or anything (and the card did not renew then). I had thought this was an isolated case until I stumbled across the CitiCard thread on this site. Why are we being held hostage like this? There was mention (in the CitiCard thread) of a card-holder agreement that allowed rates to continue at the old rate when the card was cancelled, I don't recall anything like that here in Canada, and certainly given the choice (which we weren't) cancelling the card would have been the method of choice.

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JeniferLas Vegas, NV

Reviewed Jan. 21, 2009

I was late on one payment with this company AFTER 17 YEARS and my minimum payment was raised 300%! You know it. I guess they think it's okay to take money from the government and ** their customers too. I have not had a steady job since 2007, but I always managed to make my payments on time. Citicards have gone too far and I hope these hacks go down in flames! It's only a matter of days until I am living on the street.

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SusanFincastle, VA

Reviewed Jan. 18, 2009

They more than doubled my interest rate on my MC on 1/16/2009. They had guaranteed me a fixed rate for 12 months in October of 2008. I called and spoke to 3 supervisors who said a mailing went out in November. I never got it. They agreed to reverse the rate and they will cancel the card when the card expires in 2010. This company needs to DIE. The taxpayers have given them 45 BILLION dollars and they can borrow at close to 0 in interest. How can this be happening?

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LisaTorrington, CT

Reviewed Jan. 17, 2009

I owed Citibank $6,600.00 on my card. I ran into financial trouble, and I tried to explain this to them. They refused to work with me and demanded an amount I could not afford. In the meantime, they raised my rates due to the lateness, added late fees , etc. I explained I could not afford this. They immediately sold the accoung to a creditor GC Limited Partnership Collection Agency Division, 6330 Gulfton, Houston, Texas 77081. I called the number provided (866)749-7034. The account number is 4621200629045458. The balance was now $7,773.94. When I called, they told me it was now over $8,000.00. I just received the notice today, and it has gone up by $200.00 in days.

They also refused to work with me. I explained I had lost my job and could barely survive and if they could not work something out and kept increasing the charges that I would be forced into bakruptcy and they would get nothing, or they could work with me. The account rep. Mark told me he would get every panny and then some.

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JoeNorth Myrtle Beach, SC

Reviewed Jan. 16, 2009

From Dec. statement to Jan statement, interest rate was raised from 9.24% to 24.99%. Never late or over limit, always pay more than minimum due. there is no reason for this. No wonder Cit Bank is going under, if this is the only way they know how to treat their customers they do not deserve to be in business. I want my old rate back, but not to worry, I get offers every week from other card companies to transfer my balance and now I will be more than happy to do so to get away from Citi Cards. They are just a bunch of thieves. First they take my tax dollars becasue they cannot run a company and then they raise my interest rate. Something needs to be done.

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KatherineKamuela, HI

Reviewed Jan. 14, 2009

I never used this credit card and had put it away in a drawer. I got a call from a collection agency saying that I had an upaid balance on the card. I attempted to call every 800 number for the card, they would not talk to me. I paid the $300.00 with the collection agency. Since then nobody at the collection agency or Citi Card will speak to me. I have never been allowed to see the charges or to dispute the charges.

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A.Simi Valley, CA

Reviewed Jan. 14, 2009

In July of 2008, I did a balance transfer of my Citicards account to Bank of America. Apparently, there were finance charges afterwards, which I was not aware of. In December 2008, I did ran a credit check and discovered there was a past due amount reported in November 2008. After researching the item, I discovered that Citibank was kind enough to waive the amount due but did report the past due amount to the credit bureau. Per Citibank, they sent emails to me but I do not recall opening, receving or deleting any notifications from Citibank. Since there is no way to show that I received or ignored the notices which they said were emailed, there does not seem to be any remedy for my credit history. I'm sure this has happened to other people who do a balance transfer, fully intending to never hear from their credit cards after a balance transfer. Not paying the balance after being notified is one thing but if you don't receive the notices, that's another.

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JenniferMorgan Hill, CA

Reviewed Jan. 14, 2009

I rarely use my (1) Citicard credit card account of a $17,700 credit limit. I charged $102.11 the week that I got married and I didn't remember from all of the event planning. I did not think to go online ever to see if I owed anything.

I am disputing the late payments of 60 days and 90 days reported by Citicards for the account ending in XXXX. No statements, emails, or written notification were ever received from 8/08-12/08 for July 08 purchases. The 1st piece of mail was sent via USPS. It was a collection letter dated 12/5/08. Once I received this collection letter, I paid the bill. However, by this time, two negative remarks were reported. I verified my email address and it is correct. I also check my spam folder daily and no Citicardâ€™s statement was ever received. According to Citicardâ€™s records, the 11/4/08 emailed statement was never delivered and the email was returned back to Citicards on 11/6/08. Citicardâ€™s claimed that an email is considered â€œmailâ€? even though their records showed there was at least (1) failed email. Under the Fair Credit Billing act, the businesses that offer â€œopen endâ€? credit also must â€œprovide a statement for each billing period in which you owe, or they owe you, more than one dollarâ€? as well as â€œsend your bill at least 14 days before the payment is due - if you have a period within which to pay the bill without incurring additional charges;â€?. Does email statements apply to this? I think that they do or should... Also since I've read other people did not receive their statements this past Fall/Winter, it seems that they may have purposely not notify me correctly. I did receive random automated messages from Citicards, but it was brief and garbled and the only info left was a phone #. I believed the weird voice mails to be a solicitation. The calls only started after my cell phone was stolen and was already 2+ months late. And since I never use the card, I did not think anything else of these unusual messages. Citicards also claimed to be unable to reverse their credit bureau reporting due to it not being a bank error. Citicards is running a racket by not sending out their bills. This is so that they can charge customers late fees and finance charges. My credit is ruined until 2015 due to Citicards sabotaging the billing system in order to collect on a measley $54 of 2 late fee payments plus minimal interest on $100.

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BitaLa, ca

Reviewed Jan. 14, 2009

I bought a ticket online for The Do Lab,Lightening in the bottle show for $150. After receiving my statement I was charged for 10 tickets for total of $1500!!!!! I called Citi and disputed the matter. I provided them with all the information they needed and on Oct 1st 2008 i contacted the dispute dept to ask them about the progress on the case and that if they needed extra information since I was leaving town for 4wks. They said they needed no extra info. On Oct 8th they send me a letter stating they need ANOTHER letter stating exactly what had happened! and they needed the letter by Oct 29th! Well i got to LA on Nov 8th and panicked and faxed that letter as son as I got the mail that night.

I received a letter from Citi stating that they dropped the dispute an put Charges back on card!!! That they needed the letter from me by Oct 29th and I was a wk late!!!!!!

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AvaMatthews, NC

Reviewed Jan. 13, 2009

I opened a Sears GoldCard account in June 2008 at a local Charlotte, NC Sears store. The GoldCard account was offered at a special rate offer of ~11%. I did not find this unacceptable and only opened the account originally to obtain a small discount on a minimal purchase.

Did not pay much attention to rate Citibank was charging, because I pay have the payment auto drafted. I know what my purchases are, so I have not routinely checked my finance rate. I checked the rate on the statement January 1, and realized the rate was 18.9%. When I spoke with a customer service rep. with Sears GoldCard (by phone), she said my rate until November 08 had been 19.9%. Requested to speak with a supervisor, Juan, employee ID# 725, who basically informed me: 1) Nothing could be done about the rate 2) I could NEVER have been offered a lower rate. I requested corporate contact information and our SearsGoldCard general counsel information from Juan, and he: 1) Informed me there was no such information available. 2) The only contact information he had was for Customer General Concerns. Juan was not helpful, very robotic in his conversation, and when I requested to speak with the next management level, he informed me there was no next management level to speak with it. In other words, he was the FULL MONTY with no AUTHORITY.

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TimKansas City, MO

Reviewed Jan. 13, 2009

I received my statement from my Citi Card account today and the interest rate jumped from 7.99 to 24.99. I have had no late payments in the 4 years I have had this account, and we were not over limit. I called to find out what happened, and they said a notice was sent out in November (which my wife or I remember seeing) that said our new rate was prime plus 20-some percent. I told him we didn't receive the notice and would like to have our old rate back. He put me on hold for like 15 seconds and said that he could put it back to 7.99, but I would be rejecting the Terms of Service, and my account would be closed when the current card expired. So no I have to find a way to pay off the account in 9 months or pay 3 times as much in finance charges. Borrowers beware, do not do business with Citi Cards.

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DianeEdmonds, WA

Reviewed Jan. 9, 2009

CitiCard sent me a bill with a due date of 11/27/08 -- Thanksgiving day. I sent in my payment, which was processed on 11/28. Then they charged me a late fee. Since I pay my bill off in full every month and have never been late, I called and asked them to remove the late fee. The supervisor sent me a letter that said I didn't qualify! The whole thing would be laughable if CitiCard could explain 1) why they made the payment due date on 11/27 if they were not at work to process it, and 2) who does qualify to have a late fee removed if it isn't someone with a perfect payment record. I'm going to cash out my thankyou network points, and then send Vikram Pandit a letter with my cut up credit card. Here's one less person on the planet who's going to give them my business.

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JanelleRamsey, NJ

Reviewed Jan. 8, 2009

Went online yesterday to pay my bill as soon as the statement was available, found, to my horror, that my minimum payment had doubled, and my low interest rate (8.79%) had skyrocketed to 24.99%. A payment I simply cannot afford to make! I do have a high balance, but I also have an excellent payment history and good credit rating. I called right away and did speak to a supervisor who (after being a little bit short with me) did say he would opt out for me and the interest rate would go back down, but in DEC '09 my account would be closed. He said I should call back sometime over the summer to discuss some kind of interest rate change, and that would override the change he is making, which will prevent my account from being closed. I have to say, he was a little bit curt in the beginning, but ended up being very helpful and sympathetic. He even said that there was no rhyme or reason to what they were doing and that he couldn't believe my rate went up like that, especially with my good history. I am, however, still stuck with making the huge minimum payment this month before the interest rate goes back down for the next bill. Not sure how I'm going to swing it. Shame on CITI. This is thievery and they are preying on the people who can least afford to pay these outrageous bills. How many people will now be late or default? They don't care. This is nothing more than legalized loan-sharking. They can't come to your house and break your knee-caps, but they'll raise your interest rate to 24.99% and then watch you squirm.

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ReneeMarshfield, WI

Reviewed Jan. 7, 2009

I have had a Citi Diamond Preferred Credit Card since 1994, and in Jan 2009 I went online to view my balance. OH MY GOD!! My interest rate jumped from 8.9% to 24.99%. I checked, and all my payments were current, no notice of late fee's or changes in terms was received. I called Customer Service,and escalated to a supervisor named Karen, who said I was notified of the Terms and Conditions, and that I agreed to this jump in rates.

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PamelaEasley, SC

Reviewed Jan. 4, 2009

For the last few months as the government cut interest rates, Citi did on my account. Yesterday I was hit with a 5 percent increase in rates and when I asked, they told me that was the lowest rate they were offering anyone. Not true, my husband's rate on one card is 15.24 and 16 on another. My payments are now 70.00 a month higher due to this increase in rate.

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EvaVancouver, WA

Reviewed Jan. 4, 2009

This is my second time writing. The first I complained that they were not posting my payments on time. Therefore late fees and Interest accrued on my Bill. I sent them a copy of my consumer's complaint for the month of Dec., along with a payment. I sent it Certified so I would know when it was received and in order to have them post it on time. Well now, I've received a letter from them saying that my account has been closed. They said that I did not score a sufficient number of points to keep my account open. I would like some advice on what steps I can take next. Obviously they didn't like that I sent them my Consumeraffairs complaint and a certified letter with payment.

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JulietteBrooklyn, NY

Reviewed Dec. 29, 2008

In November I did not receive my bill statement. I called Citibank and informed them. I made a payment but it was late. The next month Citibank put my interest rate from 3.99% to 17.99% with $35. late fee added to my bill. I tried to explaine to the representative but he would not listen. I them made Chase paid them off in full. The next month I received a bill from Citibank with a new bill for $13287.13 that someone made out a check with one of my citibank check that was in the bill that I did not receive. I called Citibank and they are telling me I have to make the payment to the bill until the problem if settled. I am having a problem paying for semething that I have no idea who collected all that money. Please advise. thanks

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ErikMorgan Hill, CA

Reviewed Dec. 28, 2008

Carried this card for 15 years. Never had a balance above $1000 dollars. I paid a third of it off each month. Sudden rate jacked from 5% to 15%. I opted out. Corporate greed. The Fed was right to impose more restriction but not soon enough. Hopefully congress will do more to curtain these thieves.

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KerryMaggie Valley, NC

Reviewed Dec. 23, 2008

I did not receive 2 bills: Discover and Citi. Discover called to tell me I was late and I explained. I paid on the phone, they removed the late charge, and restored my 0% promotional rate. Citi called to tell me I was late. I paid the entire next bill on the phone. I asked if the 0% promotional rate could be restored. I was told I had to call a different phone number. I called and was told I had to wait 24-48 hours after they made the request. I called again and was told I had to wait 7-10 DAYS for some nebulous supervisor to make the determination. I'm calling tomorrow and if it's no or we don't know yet then I'm moving the balance to a different card and canceling my account. Maybe I'll balance transfer to Discover.

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ValerieBurlingame, CA

Reviewed Dec. 21, 2008

Without getting a mail or a call, I just found out that my card account and will just tell me that it was a business decision from citibank and not personal.This card was a dental business account so I ended up getting bad rep from all the accounts that are automatically connected to my account. can you believe the citicard just did this without even telling me ?

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PaulLos Alamos, CA

Reviewed Dec. 16, 2008

Spike in APR from 4.99% to 17.99%. I have made no late payments on this or any credit card, always sending more than required, but not able to pay-off full amount.

Suddenly on my statement I get a notice that my interest rates are ballooning from 5% to 18%! This is an absolute crime since this lender now also holds my mortgage and I have been making timely payments on all bills.

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MaryGlenside, PA

Reviewed Dec. 12, 2008

I sold my house in October 2008 and paid off both citicards to the tune of $12,000. I received an email alert in March 2009 that it was time to pay my bill. What bill? I logged on and there was $331.76 in charges to a pizza store in Philly (at that time I was renting in Huntingdon Valley). I have been disputing these charges since then. I signed fraud affidavits twice. In November they reported me to a collection agency for $890.36 in default - and shut down my other card - which I had used and have been paying on monthly. I have been a card member since 1987. Can't get anyone to help me. Everytime I call the connection is static and they pass me from one rep to another - 45 minutes or longer everytime. They say they have no evidence of contact from me, however I have copies of everything I have sent them. Twice (August and October) I have sent back to them the affidavits of fraud they sent to me. They say they have nothing reported. I have a $10,000 limit on one card and a $13,000 limit on the other. They don't give those limits unless you've earned them.

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LewMarietta, GA

Reviewed Dec. 10, 2008

I recently received a letter from CITIBANK. I have a credit card with CITIBANK. They said: We are increasing your variable interest rate APR for purchases. Your purchase APR will equal the U.S. Prime Rate plus 13.99%, with a minimum APR of 19.99%. As of October 1, 2008, this purchase APR is 19.99%.?

The default APR equals the greater of (1) the Prime Rate plus up to 23.99% or (2) up to 29.99%. I have perfect credit. This raise of interest rate is not going to impact me directly because Im not using the CITIBANK card for new purchases anyway; and, I have not had a default experience and, hopefully, wont. HOWEVER, at a time when Americans are trying to deal with an economic collapse of 1930s magnitude a good deal of which can be attributed to the greed and bad management of big business, especially in the financial sector, is this what Americans need to jumpstart the economy?? How do the financial institutions justify taking taxpayer money to be able to create credit for Main Street businesses and consumers/taxpayers, then charge the taxpayer, whose money they took, outrageous interest rates to use the credit created by the very taxpayer dollars they took in a bailout?? What is wrong with this picture? Can you do anything about this? Taxpayers need to stop buying everything but the essentials; spending/consuming does not necessarily create jobs except for the Chinese from whom we continue to import almost everything. America needs jobs: we need to stop creating jobs for everyone else with the outsourcing of our work and importing someone elses goods. AND, taxpayers need to demand the ouster of all incompetent politicians and business management who have done nothing but watch this economy worsen for the last twenty years or longer. Please be advised that this is just the beginning of my campaign against the credit card issuers. This message is being sent to every senator and representative as well as the President, everyone in the current administration, and everyone in the incoming administration. I will also communicate with every card issuer CEO and their boards and as many others as I can to bring these people to their senses; hopefully, the incompetent people in business and government will be replaced with a more intelligent management team. See the blog http://lewsviewsandnews.blogspot.com

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DaveAventura, FL

Reviewed Dec. 9, 2008

Called to complain about finanace charges that were added 20 days after a bill was paid off in full. Cumstomer service representative would not remove.

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KatrinaAlexander, AR

Reviewed Dec. 5, 2008

I recieved a notice in the mail in November that CITICARD is raising the APR on my card from 9.99 to 24.99!! I have always paid more than the minimum and on time!!! I have been a loyal customer since 1999!I dont understand how they can get away with screwing people like this!! Not only am I getting screwed this way but I also have to help bail them out??!!!!

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FrankPhila, PA

Reviewed Dec. 3, 2008

I have been/am a Citi member in good standing for over twenty years.

On 11/29/2008, I telephoned customer service to inquire as to WHY I was unable (via website or telephone) to make a payment prior to my due date as I have for years with regard to account ending in ****. I was told I had never done so. I explained & offered to provide multiple online receipts (with confirmation numbers) showing I, in fact had made such payments TO the account in question. I was eventually (only because I asked) transferred to a supervisor by whom I was treated in a VERY rude, disrespectful and condensating manner. I was told [by this supervisor there was NO ONE ELSE I COULD SPEAK TO. I have been a member for over twenty (20) years and do not appreciate being treated this way. Please realize that in these economic times; customer service is paramount to continued business. I am extremely disappointed that this is obviously not a priority for the supervisory individual with who I spoke. Please understand that whether or not the available [to this supervisor] information differed from my (the customer) interpretation; it DOES NOT, under any circumstance warrant or justify the manner in which I was treated. Not being able to pay prior to the due date benefits no one expect the credit card company by increasing the odds of interest accumulation, period. I EXPECT a follow-up on this [my] particular situation as I will be mailing, faxing and electronically posting a complaint on all/to avenues available including but not limited to the better business bureau.

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KristinCharlotte, NC

Reviewed Dec. 1, 2008

I received a letter in the mail November 24,2008 from my credit card company stating that that are changing how they calculate my APR for purchases. They stated that as of Sept 17th 2008 they were increasing my rate from 13%to 16.99% It was also in the statement that is was to go into effect whether I received a statement or not. It also stated that I have the right to Opt out of this agreement but as a consequence they will terminate my credit card account effective on the expiration date on the card. I contacted them because i have always paid over the minimum balance and on time. I spoke with two customer service reps and they stated that because of the economy they are increasing everyones rate in the Charlotte area. They also made it clear that since I opted out to increase my finance rate they will be closing my account.

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TerryBrooklyn, NY

Reviewed Dec. 1, 2008

I recently opened a CitiCard account because of a 0% for 12 months deal. I transfered my other credit card balance. They sent me the first statement apparently, but I didn't see it. So one day past the due date they called me and said I was late paying - so I said, sure, here's my debit card mumber please pay the minimum for me. No problem. They then dinged me a $39 late fee (I expected this) and raised my interest to 16.99% going forward. Because of my first payment which was 1 day late I now had a crappy interest rate. In addition I had payed $150 to have the balance transfered over from my other card. I instantly closed the card and am going to tell everyone I know about Citi Card - don't ever use them --- bad news.

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MatthewSan Diego, CA

Reviewed Dec. 1, 2008

What a bunch of idiots. I have been a Citicard member since 1999. I have paid off my balances in full each month and have been a faithful card member for about 10 years. I get a letter in the mail saying that on December 1st, 2008 they are increasing my ARP from 9.99% to 19.99% unless I contest the terms. So I contested, and then she said that it would then take effect on January 1st, 2009. Wow! Thank you Citicards!!! A whole month of not having 19.99% APR??? Thank you for being so forgiving when the taxpayers are bailing out your sorry **. This is how you treat loyal and long-term customers.... It's decisions like this that have put your company in the soup line with the other corporate morons like AIG, WAMU, and others. Congrats on running off your good business.

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JannaMesa, AZ

Reviewed Dec. 1, 2008

After several months of rapidly dropping the interest rate on my Citi Mastercard, now residing at 9.49%, I suddenly received a letter last week stating that effective December 3, my interest rate will skyrocket to 24.99%. I have had no late payments or other issues with Citi, so there is no reason for this jump at all. I will be opting out and closing my account, and will instead use Discover for all of my credit card purchases.

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NikiOrlando, FL

Reviewed Dec. 1, 2008

In December 2007, I made two purchases (on the same day) using my Sears card for the first time. The purchases were made Deferred Interest/No payments for 12 months. When I received my first statement, I realized that one of my purchases was setup as regular billing. I called Citicard (they handle Sears cards) and the person on the phone advised that she corrected the problem. I provided them with my updated address and phone number at that time as well.

Then in April 2008 I made my third purchase with the deferred billing/no payments for 12 months options. Three months later, out of the blue, I received a collection letter advising that my account was past due and they expected payment immediately. It turns out that they also screwed up my April payment and put it on as regular billing. I called immediately and the person on the phone went on and on about how sorry they are how much they pride themselves on good customer service. She said she did all the corrections and there was nothing else that I needed to do. She also said that she put in a report to have my credit report updated since they managed to ruin my perfect credit history because of this mess. I have never, ever made one late payment in all my life and Citicard managed to ruin my credit anyway. I gave her my phone number yet again, since I never received one phone call during the time my account was past due. Since they, all Citicard has used my phone number to do is harass me every few days for a payment. No payments are due on my card until this month and I have that payment set up already to be paid to them on time. Since September 2008, I have spoken to numerous people on the phone and besides being shocked at the situation, nobody has actually been able to solve the problem. Two months later and my credit file has not been updated and for some reason, the account is still reflecting as past due. I am in school and because of how they have ruined my credit, I no longer qualify for my student loan/disbursement for next semester. She said the original request to update my credit was not processed because the account was still reflecting as past due. Every person I have spoken to has told me that they have removed all outstanding payment charges and yet everytime I call, I have to start all over again. I called again today and besides telling me that there is nothing she can do, the supervisor was very curt and just kept repeating from her script. She said there is no way for her to confirm that any adjustments she made while I was on the phone will stick. In the mean time, I have to drop out of school, without knowing if they will ever manage to fix my credit.

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AnnaWasilla, AK

Reviewed Dec. 1, 2008

I have 2 platinum cards from Citi. I received a letter that the rate is increasing, approx 10% & 7% respectively, effective with Dec. billing, unless I opt out. On 11/22 a customer service rep told me Citi is increasing rate on all cards in the class, regardless of the individuals performance, and irrespective of any credit indicators. I opted out. I am dismayed that credit card companies can charge whatever they like, whenever they like.

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KeithTucson, AZ

Reviewed Dec. 1, 2008

I too was hit with Citicard's capricious (100%+) interest rate hike. I am particularly irked after they are helping themselves to HUNDREDS OF BILLIONS OF OUR TAX DOLLARS. I suggest everyone contact their Congressman and Senators.

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RayHowell, MI

Reviewed Nov. 30, 2008

I received notice last week from CitiCard that General Terms were being changed and that my interest was being raised from 9.99% to 14.99%. I have a credit score in the 720s, have never been late on payments, and always pay more than the minimum.

When I called to complain, I was told my only option was to opt out. The rate would stay the same, and when my card expires, the account would be cancelled. I could then pay off the balance at the current rate.

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SashaOakland, CA

Reviewed Nov. 30, 2008

CitiCard website is down 3rd strait day. I called the tech support and they admitted: WEB SITE DOES NOT WORK.

If they cannot handle their own website - can they handle your money?

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VictoriaWashingon, DC

Reviewed Nov. 29, 2008

My husband and I received a letter in the mail stating that our current 4.99% Purchases APR on our Citi Mastercard will be increased to 24.99%. Our account is in good standing, we have never been late and we carry a low balance, but it is still being increased. We called to complain, but the Citi rep said that only the Citi cards in good standing have received a notice concerning rate increases. Apparently Citi isn't even bothering to raise rates on borrowers in default! We're being penalized for being a good customer, and I can't believe Citi is doing this after OUR TAX DOLLARS HAVE BEEN USED TO BAIL THEM OUT! We have already contacted our Congresswoman about this, SO PLEASE CONTACT YOUR CONGRESSMAN/SENATOR ABOUT THIS SITUATION!

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DonnaTucson, AZ

Reviewed Nov. 29, 2008

We just got off the phone with citi card and canceled. We are furious! they sent us a letter saying they are raising our interest rate from 7.99 to 19.99% in Jan for NO REASON WHATSOEVER unless we opted out. We are also now going to have to switch to our Discover. My husband uses the card monthly for business trips and they get paid back plus interest the next month when he is reimbursed.

So rather than make that cash every month(PLUS 4% for every transaction) they would prefer nothing? Well thats what the account manager? told us and then said dont you at least want to use it till the end of the year till it goes up?? We told them to screw themselves and this will damage our FICO score because it lowers our available credit by $15,000 but there is NO WAY we are paying a default rate when we did nothing wrong! Argh!!!

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JenniferBarrington, NH

Reviewed Nov. 29, 2008

I received a letter this week saying that due to the financial hardship that citigroup is going through my interest rate was being almost tripled from 8.99% to a min. of 24.99% as of my statement billing period ending dec 3 2008. I have been a loyal citicard holder for years and have loved my card and used it and paid faithfully. I always pay on time and pay more than the minimum balance required. I spoke to customer srvice and they said that there was nothing that they could do it was not based on card performance but because of there hard times and too many other people in default. unbeleivable so because other people can't pay and they made bad business decisions not only are my tax dollars going to bail them out but I am being screwed on my interest rate and if I opt out that will close my account and impact my credit score negatively but if I keep the card they are going to increase my rate by almost 3 times what is is now making it harder for me to pay at all not just trying to pay a little extra. How do they figure that this is going to help them. If anything it is going to make a bad situation worse because more and more people are not going to be able to make even the min, payments becasue of the obsurd interest rate.

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RobertParamount, CA

Reviewed Nov. 28, 2008

We have a fixed rate of 3.99% for the LIFE OF THE BALANCE at Citicard. We have been paying at this low rate for years and have been paying on time and sometimes more than the required minimum amount. Since we did this balance transfer we have not used the card to be able to maintain the 3.99% rate which we thought would be good for the life of the balance until we received a notice from Citi last week about the Changes in Terms and RIGHT TO OPT OUT. We called their customer service and the lady confirmed that we have the right to OPT OUT and if we do, we will loose the 3.99% rate, we will be required to pay off our balance and the account will be closed. Now I do not know if this will affect our credit. One of the comments posted here said it will affect a credit report if a long-term credit card account is closed. And besides, we do not want to loose the 3.99% rate Citi advertised as fixed for the LIFE OF THE BALANCE.

Our second option is if we accept the new terms, according to the customer service rep, we will still continue to pay our balance with 3.99% rate on the existing balance transfer but if we default on payments then our rate will increase to 24.99% variable! Okay, so then we thought because we know we will always pay on time it may not be a problem for now. But now I'm confused as I saw a posting here from another consumer who stated that their rate on existing balance will still increase to the higher rate if they accept the new terms. Or may be this applies only to existing variable rates. Our rate is supposedly FIXED for the LIFE OF THE BALANCE which makes me think that this is why the customer rep confirmed our rate is not changing (if we accept and we don't default) because of our fixed rate. I guess this is just one of the tricks credit card companies use to confuse consumers. This is a loose-loose situation, if we accept then it means we are accepting a higher interest rate which will then set a new rate record on our credit report which may become the basis for future loans. Even though we might be able to keep the 3.99% on the existing balance (if this really is the case), I think accepting the new terms will still hurt our credit report due to the higher interest which will reflect in our credit records. And if we opt out, we loose the 3.99 and our credit report may still be negatively impacted as one of the consumers pointed out (for closing long-term credit accounts). This is just beyond my comprehension! The government has been helping financial institutions and have been lowering the borrowing rates for the banks but the banks are doing the opposite to the consumers. Instead of passing on their savings to us, they are increasing their borrowing rates! Tuesday (11/25), I heard the government will also now use the bailout package to help consumers with their credit card debts. Does this mean Citi and other credit card companies now will be required to lower their rates rather than increase it and void the Change in Terms notices from Citi? I hope we will find out soon what the bailout can do for good consumers like us who are being rushed to a higher interest rate. The whole thing sounds illegal to me as they advertised a fixed rate for the life of the balance. We should be able to keep the same rate without having to accept or opt out of any change in terms. If someone can help us how to address this with Citi so that we can keep our 3.99% without having to accept or opt out, we will greatly appreciate it. Also, if somebody can answer my question about how the credit card bailout will affect credit card holders who received increase in rates notices, we would appreciate that too.

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IrisWoodinville, WA

Reviewed Nov. 27, 2008

I have had my CitiBank Visa since 1993. I have accumulated lots of CitiMiles.... 13,000 actual miles. I have tried several times to cash them in to no avail. Last year, I tried to get tickets to and from Philadelphia... no flights available. Then I tried to get tickets for trip to Europe... again no flights available. Then this week, I called them and said I want two tickets to any island in Hawaii ANYTIME during a three month period. Guess What?? Yep, no flights available. I feel Citibank has not lived up to their promise regarding Citibank CitiMiles... I feel defrauded. I'm going to try again.. and try to get tickets during a 3 month period when that period is 10 months out!!. But I'm not holding out much hope. I feel defrauded by a big company. It's sad.

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AliciaColorado Springs, CO

Reviewed Nov. 26, 2008

I have just been notified that my credit card rate is going from 10% to 15%. I have been paying on time for more than 3 years with this company. They get a bailout from the government but now they are hiking up consumer rates BEFORE congress maybe passes a law againsted this?

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KarlaCasper, WY

Reviewed Nov. 26, 2008

I received a Notice of Change in Terms on 11/25/08. The notice indicated that my APR for purchases would be raised from its current amount (7.74%) to 14.99%. I called Citibank and asked if the 14.99% applied to future purchases only. The rep told me that it would apply to past and future purchases. The rep explained that I could make one of two choices -- accept the new terms or choose to opt out, which would keep my APR at the current rate, but would close my account when my card expired. I am so angry about this. I have been a Citi card member for 20 years and have an excellent history with them.

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JoemonChennai, AL

Reviewed Nov. 26, 2008

I am holding a City bank Credit Card.My card Was de Activated due to non Payment.On 06 Novemeber 2008 I have cleared all the Dues and I have got assurance from City Bank that my card will be Activated On 08-November-2008. When I contacted City Bank On 9 Nov they gave me the reply that Some person is leave because of that My card is not Activated.Again on 10 I contacted City bank then they said on Next day it will be Activated. On 11 Nov .I again contacted City Bank then i got the reply that My billing date is 19 Nov 2008 after that only my Card will be Activated.On 20 when i again contacted City Bank then they asked me to fax the Pan card Copy.i Send the fax to : 28202188 (Keerthika) and I was told that I will get a call from City bank. I never got a call from City Bank. On 26 Nov again i got call(Phone Number 04442292700) Mrs.Anandhi from City Bank and she asked me to Send the fax copy of the PAN Card again . to this Number 04442292777 Ext 4444 I Faxed the Copy on 26 Nov 2008 4:50 Then i dint get any call from Your People.Again i called(04442292700) them on 27 the Novemeber I got the reply that My PAN Card Copy is Not Clear and they asked me to Send the Copy Again. I have been dealing with So many Banks in my Life..But i never had a Such a worst Experience.I am Totally not satisfied with your Customer Service.One More thing i want to Mention is that All these time It was me who was Contacting City Bank. heard that 60,000 employees are dismissed from City Bank.But i Still trust in City Bank. All these Incidence forced me to think that Is City Bank Safe For me?. I am Expecting a Solution for my Problem Soon. Regards, Joemon Varghese Software Engineer Polaris House

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LucilleVista, CA

Reviewed Nov. 26, 2008

I purchased 4 tickets on line with Aloha Air round trip San Diego to maui and back On Feb.27th,2008 For March 25th flight coming bacck March 31sth. We were 5 hours late going there. when got to San Diego airport Aloha has no Airplain for us, They keep us waiting. While we were on maui. Aloha Air declare bankruptcy on March 30th and ceased all the flights to mainland starting that day. We were stocked there until March 2nd when we finally got in Hawaiian Air on standby from that Sunday,30th to Wenesday. Everyday early in the morning until night when they finally closed the airport, we were on standbylist in every airline in maui who told us the earlier flights they can sell us is on two weeks. We purchase tickets with United Air anyway as a back-up. Everday we had to return our car and re-rent again the next day. We drove 45 mins each way to crushed in our parents couches in my thier two bedrooms ohana (they have my brother and sister with them) since our hotel were no longer accepting us because they were book for the spring break. Anyhow our were due to go back to school that monday. My husband and I were due to go back to worked. All and all we were all late 3 days. All of this everybody at school and work thought we were in paradise that we are having a good time until it was in the news. When I called Citibank (my card holder) and told them about it. They assured me there was nothing to worry and that I'm not the only one."We have a special agent that handle the case and I just have sign a dispute papers and they will do the rest. I have the employee name and emp # in my record who told just to be patient for two months this will be all resolve and I will get letter of discharge in the end of July. And to ignore all the letter and statement that came to me, it is just a auto procedure. August came and here the statement with 3 tickets fully billed ($1397.73).I called them again, they passed six different times and finally dispute department told that WE still got to the Island and back so it does'nt matter I have to pay. This time,they were very different and not care and very threathening that if I don't pay they will ruined my credit.(I have and excellent credit eversince so of course I'm scared). The next time I called Citibank said that maybe I should pay half since it got me the island anyway. They have the worst and rudess costumer service. Nobody can or will remove the charges for me. They just keep passing me round and round and I am still fighting with them endlessly. My neighbor were also a victim of flight bankruptcy but they got thier whole thing refunded by Visa. Obviously and unfortunately I use the wrong bankcard(citibank).

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MarkSan Jose, CA

Reviewed Nov. 25, 2008

Citi increased may APR by 250% from 7.24 to 24.99% with a right to opt out.

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RebeccaPortsmouth, VA

Reviewed Nov. 25, 2008

My husband has been a customer of CitiCard for over 16 years, and I've been on his account for over a year now - since we've been married. Just getting my name added to the account was a hassle. They first added me as his mother's name for some reason. I guess she used to be on the account when they first opened it for him in high school. The when I called to get it straightened out the wouldn't talk to me because I wasn't her. Well, of course not! She's not supposed to be on the account!

The APR has always been an issue. When I came into the picture I tried to help him lower the balance by using my tax refund to pay off a big chunk. It was about $900 that I paid on it, and 9 months later the balance was almost right back where it was before I made that payment - and we had been making payments above minimum since then and not using the card. Right now we can barely afford the minimum payments, but I try and pay a little more than minimum every month anyway, because I'm scared to see what will happen if I don't. The other day when I saw in the news how they're getting a bail-out I could have just screamed. I've already given them enough of my money without seeing any return, how can they just take my tax money, too?!

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TammraRenton, WA

Reviewed Nov. 25, 2008

I have had a Citibank Mastercard since 1999. I have never had a late payment with them or any other creditors. My FICO is 700+. I have a large balance on my Citibank M/C due to a huge medical bill. My interest rate on that card was supposed to be fixed at a max rate of 10.99%. I just got a notice in the mail today that the interest rate is going to go up to at least 14.99%. (8.99 + prime). This really is a slap in the face considering that my tax dollars just went to them today in the form of a $300 billion bailout. Where's my bailout? With these hard economic times, I would think that these companies would try keep interest rates at a reasonable/affordable amount for their best customers. This is CRIMINAL!

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JoleneBurlington, NC

Reviewed Nov. 24, 2008

I have just received notice that my citi card is raising the rate to 24.99%. This is their way to deal with the bad decisions made by their execs - raise rates to an amount that should be illegal. Its not that I've been paying late or anything like that. Now they have received a bailout - my tax dollars! Part of the government deal should include a clause to prevent them from doing this massive rate hike to their card holders. The last thing we need in an economy like this, is credit cards making sudden jumps in their rates. This has the potential to cause many people to fall behind. The new rates are NOT affordable. They are being applied to customers who have made payments regularly and in a timely manner.

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SteveGlendale, AZ

Reviewed Nov. 23, 2008

I purchased a second business seven months ago for 95K and at present I owe 35K to be paid in full, (expect to pay off in nine months). At present the net worth of this business is 165K with expected net growth of 15 to 20% during the next nine months. I had to put 25K down and I used my personal citi credit card, on a balance transfer check to secure a 3.9% interest rate, this is the only charges on this card. I have a good credit rating and have had this same card for 10 years. As soon as I paid the card down to 21K last month and that includes the $200 a month protection plan that was added without my permission and took four months to have this charged removed'; anyway, last month citi bank lower my credit line to 21K. Now today I received a letter that says they are increasing my APR from 3.9% to an additional 14.9 to 24.9%. I am not late on payments and pay more than min. pmts. The only way I can stay at my current rate is to 'opt out', which means, I must close my card and have the total paid by 9/2009. I have no choice but to do the opt out or I will be paying approx. $395 monthly in interest instead of 79.95.

To make matters worse, I had two bank of america business cards that I use for my other business. Card ending 3249 had a credit limit of 25,000 but was reduced to 14K and my card ending 1661 had a credit line of 40K and was reduced to 19K. This business has a net value of 195K and my entire outstanding expenses are 38K. We have taken a very small salary in order to have both business debt free within the next 18 months. Bank of America has taken all my working capital and raise my interest from 8% to 14.9%. How can these bank take my tax money and also increase my interest rates and decrease my credit line. We are in need a little assistance, not a bail out just a break will do. Steve Wingenfeld 19729 N 787th Lane Glendale, AZ 85308 602-318-9090

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MarianneWyomissing, PA

Reviewed Nov. 22, 2008

I received my Citi Card credit card statement in the mail with a closing date of November 12th. On that statement it listed my credit limit at the same amount it had been since I opened the card which was $5000. On Nov. 19th, I went into the site to pay my bill and noticed that my credit limit had dropped to $500. I got no warning, no notice, nothing. It was only by the grace of God that I did not go out and charge something big on it as I am sure that they would've hit me with all kinds of fees.

These credit card companies are ruining people's credit for no reason and in this day and age, almost everything from loans to insurance use credit score to price. The insurance companies are going to profit highly from these actions.

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LeeLudlow, MA

Reviewed Nov. 22, 2008

Citi card sent me a change of terms/ opt out notice which basically says they are going up across the board on interest rates and making them variable with astronomical minimum's on the apr%. I called an asked why I was getting this notice even though I pay triple my minimum payment each month. I was told because of market conditions, the cost of the money they are borrowing, and that they have to many accounts not being paid on time or in total default. I explained to them that every consumer has a credit report for a reason and that I shouldn't be punished becuase because other people don't make their payments or don't pay at all. They did not seem to care. They said I could close my card and pay it off at the new higher rate. What a joke. I never signed anything saying they could make my fixed apr card to a variable one if the company was losing money.

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TariBethel, OH

Reviewed Nov. 20, 2008

I was signed up for on-line statements and have not had a problem until October, 2008. Now my statements are no longer coming on-line. Therefore, I did not make a payment in October. I called when I realized the situation and was told that my email address was invalid. However, I got other emails from Citibank advertising other products. So I made a payment that day and also received a confirmation via email. However, I did not receive a statement in November either. So I looked up my statement on-line and there was a $39 late fee, as well as interest charges (I was getting 0% interest). I called a manager to complain and she said she would remove the late fee and restore the 0% interest. There was no real explanation as to why I am not getting my statements. So I went on-line and switched to paper statements. Hopefully this will resolve the problem. However, I am very suspicious as to why the statements just stopped after September. I suspect that Citibank wants to collect the late fees and stop the 0% interest.

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HemalLas Vegas, NV

Reviewed Nov. 19, 2008

I received a late fee for past two statements. I never received the first paper statement and I paid it online almost a week before the deadline. However it was posted only after the due date. This happened again for the month of November and they claim that it was user error and that I might have selected a wrong date. I believe that they are not posting payments timely to assess late fees and finance charges.

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MiguelSan Juan, Other

Reviewed Nov. 18, 2008

I have been trying since July, 2008, to have them correct my credit record, but they have not done so. My credit card's number is 4271-3828-0457-0014, but they have a different card number, 4271-3827-0457-0014 posted to my credit record. I have written several letters but they have not corrected the record. What other action can I take? Any help would be greatly appreciated.

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AngelinaJamaica, NY

Reviewed Nov. 17, 2008

Citicards had charged me a fine for return of payment and suspended my privileges of online payments (Aug-Sept). However it wasnt my mistake because the online payment that I had scheduled never showed on my account, and I made a second payment.

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StevenBridgewater, MA

Reviewed Nov. 17, 2008

I have been a customer using a Citibank Mastercard with the Upromise benefits for quite some time now. I have a set limit like most cards but one feature designed for the card was having no preset spending limit each month providing I paid the minimum due each month. I use this card like cash for my family, education and business on a regular basis. I have never been late, missed a minimum due payment and most of the times pay my balance off in full. Just last month I paid a 10k balance off in full. This month I put education expenses, business expenses and family expenses on the card prior to taking a vacation with my family. While on vacation I hit my limit and found out my no preset spending limit was removed without prior warning. When I contacted CitiBank I was told by 2 different people its because of unfavorable economic problems. I understand we are in economic turmoil but I am not clear on how penalizing a good paying customer helps the economy. I have to assume the 700 billion bank bailout wasnt designed to help the good consumer and just designed to make the fat rich CEO's even fatter and more rich.

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GeorgeGarland, TX

Reviewed Nov. 16, 2008

These are the cold hard facts.

You are to send your payments to a p.o.box to the Lakes in Nv. I think this is a box that they do not check very often. I have sent in my payment in with a lot of time for them to post it with one or two days to spare. I was told after they raised the rate that It did not make it in time to be posted before the due date. I always send in a money order to pay. I Tracked the payment of this money order and found out that it was cashed one or two days before the due date. I called them down on it and they had to change my rate back to what it was before they said it was late. At one point I would send in the payment with 2 day for a little more. This way I had a tracking # from usps and also the time the money order was cashed. If you will look at your contract on all of your credit cards. You will find it the fine print that if it is in the post office before 12 of the due date then it will be posted to you account and not be late. As I found citi cards-at&t cards and most payments that end up being prossesed by citi bank. Can be paid for at your local Citi Bank and it will be posted the same day if you make the payment before the same day.(Caution if you use an out of town check to pay it might take two to five days to clear but if you use cash or a local check it should post the same day. Ask the teller if a check will be posted the same day or not. It is one of there many tricks to raise your rates to the defalt

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CharleneAthol, ID

Reviewed Nov. 12, 2008

Collection agency for Citi Cards. Called my neighbors to get our phone number.

Very nasty and rude on the telephone. I asked to speak to someone that wasn't rude and nasty.

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EvaVancouver, WA

Reviewed Nov. 8, 2008

I send payments on time to avoid late charges.

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LukiBandung, Other

Reviewed Nov. 8, 2008

citi put over limit in my bill on 6 Nov 2008 but luckly i have make full paymet in 15 Okt 2008

and in this period i have no over limit.

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JN. Babylon, NY

Reviewed Nov. 7, 2008

I received a call from CITI Credit Cards. The instructed me that I had 2 late fees applied to my account because of a past due balance. I found that odd because I have not used the card nor had any outstanding balance for well over 6 months. I did not receive any statements or emails pertaining to this charge. It was explained that I was late paying the yearly fee. When I opened the account there was no yearly fee. If they decided to incorporate a fee, they could have sent me a letter. The customer service rep. even indicated that he saw no history of them sending me an email or a statement. Of course I got an email that night. That is proof that the proper information is on file. I asked that the fees be removed. They indicated that a letter would come in the mail with that decision. Of course CITI regrets that they can not remove the fees. I canceled my card and will never get involved with them again in any capacity. I have not used the card in a long time because they originally told me (months ago) that I was late on a payment, I was not. The balance due was zero at the time. However, you must indicate to them that zero is your intended payment. They immediately canceled my rewards program and jacked my rate to 28%. I immediately paid the full balance on line and decided to leave the card open in case of an emergency. That was a big mistake. Because of my suspicions about their business practices, I checked my account a month later. No surprise to me, there was an interest charge applied of $9.00. I guess the pay in full button did not completely work. I paid that immediately. I know times are tough for financial companies, but this is absurd. Especially at a time when consumers are trying to keep good credit scores. I hope consumers remember which companies applied practices like this when times get better. I have very good credit. I get nervous because it could be ruined by these predatory practices. It seems like the consumer has no where to go for help. CITI has practiced a form of legal extortion. Any other industry practicing these types of strategies would be viewed as criminal. I am disputing this claim on my card as I write this. But I can't get through to customer service, what a surprise. It seems that all of there reps. are harrassing people instead. p.s. I was told that if I did not pay by November 17th, I will get charged another late fee. I can't imagine what they do to someone who has fallen behind in payments. God help them.

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HeatherAustin, TX

Reviewed Nov. 4, 2008

I filed a claim with citi to refute a charge on my credit card. After processing all of their paperwork and submitting it to citi the following day, they are claiming that they never received my paperwork and will not refute my charge with the vendor. They will not allow me speak with Ms. Larson who denied my claim and have refused to acknowledge the receipt of my paperwork. Not only did I submit their original forms, I submitted a second form in mid september requesting additional information. Again this information was mailed to citi the following day.

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CindyEugene, OR

Reviewed Nov. 3, 2008

My husband and I have 4 accounts with Citibank.Two credit cards, a Home Depot and a furnature account. I'm in real estate and last March we began to fall behind as we were no longer making ends meet. We did default, on all the cards at the exact same time. This is not their fault, we know this. But what has been so infuriating is their lack of being willing to work with us. Since then, we have done everying in our power to avoid filing bankruptcy, even to the point of signing up with a debt reduction company. Since August,we have paid all of these acounts, on time. Citibank has since decided to sue us for one of these accounts and send us to collections for another, yet the other two are perfectly fine and they are happy to recieve our regular monthly payments. Why would they treat some of the accounts differently than the others! It is completely assinign to me that they do business this way. We could have very easily filed Bankruptcy but are trying to repay all of our debts and do the responsible thing.

It is so infuriating to me that you can have perfect credit for 14 years and in a matter of 4 months they start treating you like you are the lowlife scum of the earth and can legally ruin your credit for. 4 months should not outweigh 14 years! Everyone falls on hard times at times. It's no wonder why everyone is choosing to just file bankruptcy- it sure would have been easier than dealing with this crap every day!

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ChetAlbuquerque, NM

Reviewed Oct. 29, 2008

For two consecutive months my Citibank Mastercard statement was dated on the 8th of the month but not received until the 21st and 22nd of the respective months. Both months I sent payments in on the 20th to avoid late charges - without the benefit of my statement. This month (October) I sent in my check on the 20th and today is October 29th and the check is still not received. Citibank is intentionally stalling sending out statements and holding off the posting of payments to accrue late charges and interest. All consumers affected by this should contact the Consumer Protection Agency in New York State where Citibank is a registered corporation. This is overtly intentional on their part and if enough consumers complain they will be investigated and their unethical tactics corrected.

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DouglasPhoenix, AZ

Reviewed Oct. 27, 2008

Received a letter from Citi Financial saying Based on current account and credit information, you're pre-selected for $6000 credit.....

Called, took information, applied, and then denied any credit.

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JamesRichmond, KY

Reviewed Oct. 24, 2008

After only two months with Citi I have experienced the most trouble that I have ever had with a credit card company. I transfered a small amount from another company to get releaf from high interest rates. The deal was my transfer would not have a interest until Oct 2009. So I set up a direct draw from my business bank, so I thought. my payement returned unpaid for no apparent reason,this was before I made any charges to the card.Then on my statement I was charged for returned check,service charge plus interest. I called and they said I didn't use the right coding for my bank and account number I had doubts,but reintered my info. I look closer this time and the numbers to submitt were not in the right positions for business banks, So I called them to see how to enter codes in the right order. I was told I would have to use my personal bank account to pay my business expenses. I went off on them,for not having a correct order of code numbers for business as my credit card was set up for our business. This was only the start of the problems. So the next month I sent more than my current monthly charges thinking that the extra would go toward my transfer balance. To my suprise my next statement again had service charge plus interest. So I called them again. This time they told me since I made a phone application someone should have explained where the apr was to be applied, This was to my orginal transfer of funds only.Any new charges would incure the interest/service charge. All the time I was thinking as long as my curent charges were paid and the extra would go to the 0 interst account. Boy was I fooled. I was told that I should't use their card until the orginal 0 interst was paid off.That was ok,and I went to another Cr.Card company and transferred my balance from Citi that offered the same 0 balance on transfers plus no interst on current charges and long as they were paid on time. I think Citi had better get their heads out of you know what and take care of their customers or soon they won't have any.

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CliffSarasota, FL

Reviewed Oct. 23, 2008

They constantly mail my credit card bill late, or should I say that according to them, it takes 9 - 10 days to get my bill from them.

I have called several times to complain and they have done nothimng but tell me its just how long it takes to get the mail to Florida. I have resorted to estimating my CC bill and sending in a payment mid month knowing that I will not get my actual CC bill for another week or so. I now understand their motive... it is to get finance charges because IF you pay your bill in full, they do not get a finance charge, BUT IF you partial pay your bill ( which I did last time) not only do you incur a finance change on your balance but they now have a RUNNING finance charge on all charges you make for the current month EVEN THOUGH YOU HAVE NOT BEEN BILLED YET OR RECIEVED A BILL.

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MohammedValley Stream, NY

Reviewed Oct. 22, 2008

I have 3 credit cards from Citibank. By mistake I paid the bill on a wrong card, that card had no balance. I checked after a week and saw no payment posted to my Shell MasterCard from Citibank. I made a payment right away. Next day, I receive a call from Citibank. I explained it was a honest mistake. I paid the wrong card. 3 days ago, I received my bill and the interest rate was raised to 28%. I called but no luck and I told to cancel my Citibank accounts. They are ripping off customers. They charged me $39.00 from late payment.

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LawrencePawleys Island, SC

Reviewed Oct. 16, 2008

In the last three years, I have been diagnosed with stage 3 colon cancer. Once my long term disability ran out, I was forced to start living off credit cards for such basic things as food. I also put my house up for sale 18 months ago but I have not been able to sell it. Consequently, I no longer can afford to make minimum payments. Yesterday, I called Citi Cards to work out a payment plan. I was told that they cannot work out any repayment plan until the account becomes delinquent. This means late payment charges, additional interest and possible collection fees.

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RickBedford, TX

Reviewed Oct. 10, 2008

In the past month, I made a $25 online purchase on my Citibank credit card and I was one day late paying for this amount on 9/16/08. I made another transaction for about $2140 one week later which was suppose to be on my next statement but they mailed me another statement one week later and stated I was late on my $2140 purchase plus the $25 previous balance. After the denial of the standard one month repayment grace period for the $2140 purchase, Citibank raised my interest rate. They should only have assessed the late fee for my previous $25 balance not the recent $2140. I guess the company is in need of money so they pretend my grace period was up. Maybe they are feeling the pain of losing the acquisition of Wachovia Bank. I don't know. After this incident, I will think twice before dealing with Citibank Citicards again.

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MichaelVictorville, CA

Reviewed Oct. 8, 2008

I opened a citi card account in Feb. 2007 and never missed a payment or went over the limit. I got $2700 in credit limit increases. In Oct. 2008, I was approved for another card with a 4000 dollar limit. On Oct. 03, 2008, they closed both of my accounts and gave me no reasoning. All they said was they didn't like something on my credit report. I believe that is a lie because I get all my reports up to date and there is no negative information on it. I even asked Equifax and they said they see no reason for this. I'm very upset because they ran my credit many times during this and closed my oldest account. This is going to really mess up my credit report. I still owe a little bit of a balance on one of the cards and they expect me to pay that when the account is closed. I looked online and I am not the only one who had this problem. Please someone help me and by the way don't do business with them.

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CarleeCincinnati, OH

Reviewed Oct. 8, 2008

I have been receiving Hang-Up phone Calls for over 2 1/2 Months, as many as 7 times in ONE DAY!!! I have filed FTC and Other Complaints, and am getting ready to file police reports in my home town as to this harassment.... The phone #'s are as follows: 816-420-1000 thru 1003, 816-420-4000 thru 4003, 816-420-1168 & 1169. These calls have come in and hang-up even if the phone is physically answered..... When we finally got through to someone on one of these lines, a Citi Cards Rep. said they are able to call a residence as many times as 8 TIMES IN ONE DAY. A SERVICE REP by the name of Charlotta was the person to tell me this on October 8, 2008..... This is IN VIOLATION of the FEDERAL Debt Collection Practices ACT!!! These calls were called into my home phone number, BUT NO ONE LEFT A MESSAGE, nor did they respond when the phone was PHYSICALLY/verbally answered!!! This is nothing less than PURE HARASSMENT!!!

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DavidPort Richey, FL

Reviewed Oct. 6, 2008

I informed Citibank on the phone before going overseas on a business trip, so they were aware I was not going to be home. They did not send me a statement, therefore it did not get paid on time. All other cards I have sent me statements and were all paid. 2 days later I received an automated call to say that I missed a payment and they would let me know changes to my account. I called them up and asked where my statement was and they said they sent it. I said "you knew I was out of town," no statement arrived. I did make an online payment which was not credited until the day after the due date. They said they would send me a copy of the statement. I have asked 3 times so far and still no statement.

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WilliamMalabar, FL

Reviewed Oct. 4, 2008

My latest statement ended on 9/25 did not arrive until 10/4. My electronic payment on 9/8 was not posted until 9/12. My next payment is due on 10/20. I have 3 other payments that were made electronically on the same statement and all were delayed by many days. This is not an isolated interest. I am going to stop using the Citi Card but this seems like major fraud at work. First, the outgoing statement has been delayed for quite a while in the hopes that a late payment will result.

To further help cause a late payment, payments seem to be held in Citibank for many days before posting to the account. An electronic payment should be immediate. There is no reason for it not to be posted in the same day it was sent by my bank. This seems to be an attempt to run up the interest on my outstanding balance.

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A.San Diego, CA

Reviewed Aug. 30, 2008

I Had 2 citicards from 2 different vendors, one of which I have not for a long time because the rate was so high. I called once to inquire about the one I use, the customer rep. saw that the other card had $ 0 Balance he went ahead and closed it saying I m high risk. I don't know how I could be, I had $ 0 balance I never need to use but their move is hurting my credit score.

I hate when they ask : How can we help you , because they don't mean it. I am avoiding Citi in anything. No mortgage, no banking, NOTHING.

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PamPrestonsburg, KY

Reviewed Aug. 29, 2008

I paid $2600.00 on my credit card which was at $3200.00. Then without notifing me they lowered my credit limit from $3500.00 to $1000.00. I asked them to explain how they could do that and they replied stating that it was in the contract we signed with them but we did not sign a contract with them but with another company which they bought out and just replaced my card. They told me that they did this because of my credit score but they never notified me of that either. Can they legaly do this without notifing me?

I had to get a new pair of glasses my son broke and i was going to pay with my credit card and it was declined so i had to pay out of pocket and then 6 days later i tried to use my card again to purchase pictures that i was going to have made, and it was also declined. how can they do this?

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FranklinGermantown, MD

Reviewed Aug. 27, 2008

I have this credit card called citi premier pass card from citi cards. I was making my payments online and those payments were scheduled by me (date and amount). The last payment I made was on July 31st and I was just planning to make the next payment at the end of August but Oh surprise I received an email on August 20th informing me that my last payment have been posted which made me start investigating and I found out that this company made an electronic debit in the amount of $4000.00 from my checking account that I have in another institution.

This transaction was made without my authorization so my problems started. I had less that $4000.00 in my checking account which fo course caused the first overdraft. I contacted the citi cards company and they stated textually ""You made the payment"" which is ridiculuos. They said I had online activity on August 19th at 11 am. I told them I was not even online when the transaction was performed ( I remember clearly what i was doing at that time on that date which had nothing to do with computers) I asked them to start and investigation and they were to send me documents to sign. It's been almost a week and i haven't received any documents yet.

contacted y bank to have them open a claim and they were so efficient that we did some paperwork by fax. I asked the citi cards company to stop or cancel that transaction and they said it is not possible. I asked them for the IP address of the computer the transaction was generetaed from and they said that is not possible (assuming the transaction was originated from some computer). I was keeping track of the activity in my checking account and my bank covered me with overdrawn and the day after the money returned to my bank but another surprise was to come, on august the 22nd another citicards made another debit for $4000.00 which created again the same situation.

I called citicards and they said that the system tries to complete a transaction if the first tim it did not get through. I asked for the status of the investigation and they did not have idea what my question was about so I assume they were doing nothing. meanwhile i was being charged penalties at my bank because of lack of funds and at the same time since the second attempt to debit 4000.00 did not get through there was a bouncing and as a consequence some charges are applied at citicards.

I called again and they said it is not their responsibility. besides, since they can't prove it was their error (of course they don't want to prove if they made errors) then the responsibility is mine. I am still waiting for some outcomes but because of this i have not been able to use my money that I have in my checking account.

Charges/penalties on both companies Future Damage to my credit record Stress Spending my time and energy on an inconvenience caused by citicards Unable to use my own money because of the overdraft which in turns creates more trouble like not being able to buy basic stuff like food, school supply list for my son, unable to move because of no gas money, being late at work, possible bounced transactions when companies will try to get their bills paid lectroniclly from my checking account (Gas, electricity, mortgage, phone services and so on), and being treated as if i were dump.

Now I am afraid citicards can try to make debits and that implies I have to cancel my checking account to avoid this but then It will take me a while to update information with the companies I do business through my checcking account. The most important damage is this wasting of my time. who is going to give me that back? My time, as anybody's time is worthy and a waste of time implies a loss of money.

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AnnTulsa, OK

Reviewed Aug. 26, 2008

07-05-08 Two envelopes addressed to MANDY L. from CitiCards came to my home address, dated June 28, 2008. Also another envelope with a new credit card with MANDY L. name, with my account number arrived the same date. When I called asking why mail was being mailed to my address with MANDY L. name, was told it was probably a typo. I am in possession of all three pieces of mail, including the new MANDY L. credit card.

One of the correspondence letters read as follows: "We would like to inform you that as of June 28, 2008, your name was removed from the above referenced account upon the primary cardmember's request." - - - I AM THE PRIMARY CARDMEMBER AND I did not request anything from them on 06-27-08. The 2nd corresondence received read: "Thank you for contacting us regarding your Citi Simplicity account. As you requested, we have removed lin, mandy as an authorized user from your account." - - - Again, I DID NOT CONTACT Citi on June 27 or June 28, 2008. I didn't know of the name change until July 7, 2008.

07-07-08 I called 1-866- at Citi Cards, first person reached informed me the credit card number I was giving was not in my name. After conversation to establish that I WAS THE OWNER of the account, was informed "somebody called on 06-27-08 and name was changed after all the security questions were answered and I was possibly a victim of identity theft". (To this point that is two different explanations)

Was transferred to the Fraud Dept, then Identity Theft Dept, talked w/KATHIE; my case #10370469. My credit card account closed and new account assigned; told them I did not want a new credit card issued. - - Received new credit card in mail 07-12-08, so much for my request.
Kathie said there would be a 7 year Fraud alert for me with the three credit bureaus; TransUnion will monitor for 90 days.

08-01-08 Received phone call from Sara in CitiCards Security, who indicated since there were no fraudulent charges on my account, there is no fraud involved. Probably the only reason there were no charges at that point, the credit card came to my address instead of the address they were tried to change it to. (But who knows what the future holds for me as far as my personal information being compromised by CitiCard person(s)). Sara told me to contact the President of CitiCards/

08-07-08 Received correspondence from Melissa P., Presidential Communications, only acknowledging what I have stated above. 08-09-08 I mailed reply to Melissa P. expressing my concern again regarding the name change. Even though no fraud discovered at that time, there has been an illegal ac committed against me by CitiBank and it's employee(s) who committed the act. Someone has information about me that is related to the name change.

08-20-08 Received correspondence from Melissa P., stating "the name changed occurred on June 27, 2008, as a result of an email request from another cardmember requesting an update on their CitiCard and NOT A PHONE CALL. This request was received on same day our Customer Service area received the payment coupon YOU RETURNED requesting the address on your account be updated." I DID NOT REQUEST THE ADDRESS ON MY ACCOUNT BE UPDATED. THIS IS NOT MY REQUEST.

08-25-08 I replied to Melissa P., stating I did not request an address change on my payment coupon, and asked them to provide me with a copy of the payment coupon and a copy of the email request referred to. AS YOU CAN SEE, THERE ARE SEVERAL DISCREPANCIES IN THAT I MADE NO REQUESTS TO CITIBANK REGARDING MY ACCOUNT PRIOR TO JULY 7, 2008. I feel my personal identity and information has compromised by Citi employee(s). Who knows what the future holds for me! I feel someone within CitiBank may be involved with messing with my identity. If not, they should be providing me with the information I have requested.

At this point, I don't know what happened, a phone call and somebody providing answers to my security questions; or an email received, as stated on their latest correspondence. Either way, they should provide me with that information. I am a 75 year old lady, who is still gainfully employed, and very well, but the stress and worry has certainly taken a toll, and that will not end! There has been gross negligence an illegal act committed against me by CitiBank and it's employee(s). I will appreciate any help.

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Enoch.pHyderabad, AL

Reviewed Aug. 26, 2008

I hold a savings account as well as a Citi bank IOC credit card. According to the standing instruction of the credit card, the payment due date was Aug17th 2008 for a min amount of 4206,I deposited Rs 4000 in the bank on 14th Aug . I received an sms 2days before that stating that

a balance of Rs210 was in my savings account and i thought that the amount would come to Rs 4210 and since my credit card is linked with the SB A/C the amount would be automatically deducted. but this did not happen,

On 17th Aug I received an SMS stating that the amount in the SB A/C was Rs3798.50 because I did not maintain a min balance of Rs10,000 there was a service charge and an amount of Rs 411.50 was deducted about which I was not informed by sms or email, so I called up citi bank on 18th Aug and transferred the remaining amount(Rs 3798) to the credit card. I still had to pay a balance of Rs 408 to the credit card. On 24th Aug I received a mail and an sms stating that I have to pay Rs 5091 immediately and the payment was past due .I don't understand this. I paid a sum of Rs 410 to the credit card on 24th Aug and on 25th Aug I receive a message saying that a sum of Rs 0.50 was received.

Is Citibank playing Games with customers? I know [they] have so many bad debts and know You guys have a lot of pressure from the VP but this is not the way you treat a customer who's paying you regularly. I have so many ways to Avoid paying money and [they] cant take a hair from me. If the same condition continues, I have all receipts and I will book a harassment case And I wont pay a penny. I need the complete clarification regarding this and If possible a call from executives or manager and I wont spend money in calling [them], its a waste of time and money, Waiting for a reply as soon as possible.

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SallyRedwood City, CA

Reviewed Aug. 25, 2008

I have been paying my credit card on time for many years. In Dec of 2007 I was late on my card because the cycle seems to change. I have my payment set up on automatic bill pay. I always pay more than my minimum payment due. I was two days past due because they said the cycle changes. I asked when the payment had to be recieved by and they told my by the 2nd of every month.

I set up my payments to go out every other week so that I am sure to have the minimum paid on time. They began applying my payments to reduce principal and not to roll over to the next cylce to pay on time. I thought I was paying more than enough and now My finance charge has now been increased to 28% percent because all my increased payment were paid to reduce principal instead of applying them how I wanted. I was 39 dollars past due because of how my additional payments were posted and now they are charging me over 300 dollars a month in interest.

I will never be able to pay this down now. all my additional payments will now be going to pay off interest that I should never have been charged. This is a deceptive practice. If a person is paying extra every month it is obvious that they are trying to pay down the card.By putting me in the interest penalty box they have made it so I can never pay this debt. My finance payment tripled.

I can't buy food for one week because of the additional 200.00 in interest I have to pay on this citi card.

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JoeEast Jordan, MI

Reviewed Aug. 23, 2008

We had $1204.97 rewards on our Citi Drivers Edge Master Card. Citi Card closed our account permanently after they promised us new cards with transfer of the reward, the cards never arrived. When we called them to notify that the cards did not arrive, they told us that they closed the account.

We would like them to transfer our rewards to a new card. We have written letters to them but only get evasive answers. Do we have any legal rights to collect our rewards?

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BettyTroy, OH

Reviewed Aug. 20, 2008

I had an account with Citi Card. I contracted with a debt management company to help lower my payments and interest rate. All of my other accounts readily agreed and payments were made timely, However, Citi Card would not even respond to the requests for a payment plan. The Debt management Co. continued to send monthly payments anyway and Citi Card accepted those payments. However they would not even respond to all requests made. I called Citi Card myself and they insisted they had not received letters from my DMC. They eventually stopped sending me invoices, so I have no idea what was actually credited to my account. I could not get anyone to respond to my requests for acknowledgement of receipt of payments.

I termninated my association with the DMC since I was able to handle my accounts on my own. I sent money to Citi Card even though I was not receiving statements. I happened to run my free annual credit report and discovered that they charged off the balance of $2786 in July, 2008 without any notification to me that they were doing it. Makes no sense to me since I was making payments.

Some agency or government entity needs to move on behalf of debtors and change the credit card company laws so they cannot continue to do what they always do--raise interest rates and charge late and over limit fees. Please stop Citi Card!

Obviously, since they would not work with me and charged off the balance, it seriously hurt my credit score.

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Citi Credit Cards Company Information

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