Citi Credit Cards Reviews

I am beyond frustrated with Citi Credit Card Services. My card was flagged for suspicious activity, which is understandable, but the way this was handled was unacceptable. I approved the charges TWICE through their verification system, yet my card continued to decline. I then had to call customer service while sitting with someone waiting to be paid in my driveway, only to be told they had “no way” to verify me because their phone verification system was down. So despite confirming my identity and approving the charges multiple times, I was left without access to my own credit card because of THEIR technical issues.

I need to share my experience with Citibank regarding a fraud dispute that has been very difficult to resolve. I disputed an $897.72 charge from a merchant in Indonesia that I did not authorize. The claim was denied after Citibank stated the merchant provided proof that services were completed. When I requested that documentation, I received invoices that raised serious concerns:

Barclays credit card converted by Citi & switched over to a Citi Card without my permission. I had just paid my $99 annual fee in March to Barclays, then Citi converted my card in April to a card with a first-year annual fee waived. Citi refuses to refund my $99 that I just paid for a card they converted & that I had no control over. So now I’ve paid $99 for a card. I don’t have and can’t use. What a bunch of crooks.

Many problems with this company. I was a customer for over 30 years. Recently: 1) I tried to buy a cellphone online. Citi blocked the purchase. I didn't know why it didn't go through until today, weeks later, when I called about another issue. 2) Their monthly statements have become unintelligible. I'm on autopay - it should be simple. But it is not. 3) I tried to book a flight using my miles. The agent made a mistake, which I again found out weeks later. I had to rebook, at a penalty. Go elsewhere!

I had a American Airlines Mastercard through Barclays which has since been taken over by Citi. The very first on-line transaction I tried was blocked by Citi. I guess I can understand the firm being cautious. But, I still had the same credit card number that was on my Barclays Master Card. The first rep was nice but after waiting 10 minutes on hold he tried to transfer me and disconnected me. Waste of 15 minutes of my life.

My review isn't good because I feel CITI doesn't have humanity in them. Two years ago my wife died and when I called to remove her name from the account they closed it saying that it wasn't a joint account which I don't understand because every bill came in both our names and my payment sent in had both our names on them. But then wonderful CITI said I could apply for a new account and they gave me one with a much lower credit limit. Now understand this. I had perfect payment history with them. So I added my son to the account and when he went to pay for his hotel room near where he was getting cancer treatment they refused payment saying it looked fraudulent when I called and they apologized but the very next day they did it again. I asked for a credit limit increase and they refused that. So CITI I paid you off and guess what's not going to be in my wallet?

To put it mildly… This card sucks! This is the worst credit card I have ever had to deal with! Constant calls into Customer Service who can’t do anything who escalate you to the fraud department who then escalate you to the security department then send you back to Customer Service department for false fraudulent claims for no ability to link to your Apple Pay declines on new purchases so the transfer zero balance promise squat because they can’t even get the card to work!

Contacted my credit Citicard about not receiving $20 cash back in points by using a link Citicard platform offered in my portal with Intuit turbo tax. Spoke with a supervisor who advised me they will investigate and call me or email me and after 15 days waiting I contacted citicard back and nothing was resolved. Ridiculous. I can’t trust my own credit card. Is not about the money BUT A PRINCIPLE AND CUSTOMER SERVICE TRUST….. O **.

In Feb. 2026, Citi cancelled my card because I wasn’t using my card often enough and paid it off every month. A letter came telling me I was cancelled and there were no charges on the card. But there were charges around $170. I could not pay it. Locked out of the account. So I paid through my bank bill pay. I kept getting email to pay with no avenue to do so. I was not sure they received my payment from bank. Phone calls, emails, I am unavailable and angry that they keep adding overdue charges. So now I owe 133. And got NO HELP from CUSTOMER SERVICE, just pay up now. I bet they sent it to collections and ruined my credit rating. I would NOT use this crooked company. It might be a SCAM to keep adding overdue charges while being LOCKED OUT of MY ACCOUNT. I no longer trust this company.

They closed my account with no notice just because I got a 40 dollars collection that I didn’t know about from my cable company and I paid it right away. That’s it. 20 years worth of credit with 0 missed payments doesn’t mean shit to Citi.

I applied for a new Citi Double Cash Back Bonus card and it logged me into to my old Citi Advantage account. Citi sent me an email to set up my account, they locked me out as soon as I applied to get a new account.. I called in and finally got a person after fighting a horrible customer service automated phone system for an hour.. It wanted my full credit card number which I didn't have and kept going back to terminating the call when I didn't have that yet.. I finally get to a person who transferred me to another person and on and on.. I finally got to a supervisor that said to call back in 3 days as I was told everyone is locked out for 3 business days.. Hmm then why send an email to set it up wasting hours of my time to try get it working..

Worst credit card I ever received. I was suckered in by the 0% balance transfer. Received the card, activated it, and got the confirmation email saying it was ready to go. Went to the store, tried using it, and it was declined. I called customer service, they said it was declined on the first try because they didn't know who was using it? Not sure what that meant but they wanted to confirm it was me by send me a text. I confirmed my phone number and they said it was an invalid number and my account couldn't be confirmed. Then I was told there was no other way to confirm this account. I've had this same number for 20 years so not sure why that didn't work either. I told them to just go ahead and cancel the card. It took another 35 minutes on the phone to cancel a card that I was never able to use. It was a Diamond preferred card so I thought it was good but I guess not. Terrible customer service and I'll NEVER use them again.

I have had the same credit card since 1998 as it's moved through companies, including to Citi years back. I have excellent credit and have never been late with a payment. I recently received a letter that they were lowering my credit limit considerably due to lower usage and to contact them if I wanted my previous credit limit reinstated. I called them and was given some nonsense about credit bureau recommendations and to contact the credit bureau. What?!

This company's representatives and upper management are the worst. I don't advise anyone to get a credit card or establish an account with them. I would leave 0 if I could.

I've always used a Citi card and had a great experience, until recently when I had a balance transferred to the account on 0% interest offer and they started charging me interest on my monthly charges. That was never an issue before and I always pay additional funds to pay off monthly charges and then some towards the balance transfer amount yet they still found a way to charge me interest. So frustrating!

If you have a joint account, you cannot view the statements. It is not a JOINT account and they force the joint owner to "see primary account holder" just to even view statements even though 6-8 months ago I could view the same statements my partner could. Citi Bank needs to put this back where both parties on the account can view statements. I've tried contacting them and just get told I'm not the "primary" so I can't see what's on my card. They will be wasting money snail mailing me paper statements until they get this fixed!

Abysmal customer service, I’ve called 4 times, been hung up on once and been on one online chat. The service is unhelpful, hard to communicate with and there is zero help to fix the issues. I got glimmered by the travel points and now regretting all my Citi card decisions. Trying to use my travel points for travel is a joke - I’ve yet to be able to access them for travel. I’ve only been able to use them for an account credit. Absolutely ridiculous service.

This is the worst credit card I have ever had. No loyalty to customers who pay on time or more than their minimum payment: DO NOT USE THEM, switch to American Express. The fees are worth their customer loyalty.

These cards are not secure. I've had my card replaced twice in a month and there's still fraud charges showing up. The chase cards I have are nowhere near this level of issue. And when you call, it takes a long time to get a person on the line to deal with the issue, which I did not cause. I cancelled my account.

Citi discriminates against older adults. I had a credit card in good standing with a credit limit of $12,500. CITI lowered my credit limit to 2400. I have a good credit score and excellent credit report. They discriminated against me for age. My payments were made on time.

I had Citi American Airlines credit card and that's the worst card you can own. They gave me $1500 credit limit and they expect me to spend lot of money so I can get their promotional 80,000 miles. How do you spend enough money to get those miles on just $1500 credit limit. On the other hand, I applied for United Airlines credit card and they gave me $20000 credit limit + 2 lounge pass every year.

I have had a Citi Simplicity card for years with a great credit score. I pay my bill off monthly bill each month yet they have never increased my credit limit. I applied for and got approved for the Citi double cash back card. I was told by the customer service representative that once I received the card they would increase my credit limit. The current credit limit is so low that it will lower my credit score to use it. My increase request was denied. I would not recommend Citi to anyone.

I mailed out a payment for my mom on April 3rd. The USPS handles their incoming mail received the payment on April 9th. But the payment still has not been processed yet.

On March 18, 2026 called and requested a balance transfer from another CC. I confirmed the other CC account number with the Citi rep 2x's. Turns out on March 20, 2026 Citi sent the money to the correct CC bank but the WRONG account #!!! I found this out on March 31, 2026 when I called to find out why my other CC was not showing this balance transfer. I was told Citi would investigate, request the money to be sent to my account. I just checked today.. My other CC bank never received this money... I called Citi Again today, April 11, 2026... NOW they are telling me I HAVE TO OPEN A DISPUTE WITH MY OTHER CC.. CITI has closed their investigation 'because they sent it to the correct bank.. But they sent it to the incorrect account #.. Citi made the mistake and now I have to pay!!

I have 2 credit cards through Citi and I have ALWAYS made my payments on time! I first start I had my identity stolen twice and it is a nightmare! IRS takes a year to investigate it ,even after me finding those who stole it! So if it's ever happened to you! You understand the frustration! I mentioned that to help understand what I am Dealing with and be as fair as possible. I was approved through Credit Karma for a Costco Visa Citi card for 5k and of course after spending close to $200.00 for Costco Gold membership, And this is while most people were charging their cards to limit to survive! I was making my payments 100 💯 percent on time up to this day I still have! Then shortly after I received another offer through Credit Karma for a Citi Home Depot card again I pay 100 percent on time, along with many other cards!

I should have read this site before getting the AADvantage mastercard with Citibank. Quite honestly, this is the worst credit card i've ever had. When you book a flight and then void it, it takes like 5 business days for them to receive money back to the card and while you're waiting, Citi won't let you spend money on other flights. I book first class flights which are often $1,000+ and Citi won't approve anything, initially, for anything above $1,500. And this is with a 842 credit score. I even applied for a credit extension to book another flight and was told they'd get back to me in 10 business days (hahahaha). Then I tried just paying the amount owed including the voided ticket, and after doing so, I was told it would take another 24 hours or so for that payment (which they just took over the phone by ACH) to clear before I could book the flight. Ridiculous. And this is money that is being held (and pending to be repaid) by their co-branding partner!!

Updated on 04/09/2026: I discovered that you can go through the website where you are able to appeal in writing. You can watch for a couple of days, while the status reports "not yet reviewed". Eventually you will receive an automated message to check back. Thank AI, I hope you are saving Citi some big bucks.

Worst credit card company ever. We have 5 cards for our business, and they are all but useless. They rarely work, you can't travel with them, and they are constantly getting flagged for purchases that I make. I can't wait to close these cards down.

& file a small claim lawsuit against her.

Worst customer service EVER!!!! I reported my card stolen four different times in February. I spent countless hours on the phone with them. I RECORDED the conversations because they were so inept. They allowed the thief to charge $6000 in charges on my card in Chicago. I was there in December, but have been in Indiana since one weekend there. Now it is March. All charges were disputed, now their automated system is saying that I am responsible. NOPE CITI - you are responsible, and anyone working considering opening a Citi account - just don't. If anything happens, you will spend months trying to fix it. They should be paying me a salary at this point.