Citi Credit Cards Reviews

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.

I applied for a Citi credit card specifically for a balance transfer, and despite having a strong credit score (~730) and existing Citi account with a much higher limit, I was approved for only a $500 credit line. This makes the card practically unusable for its intended purpose. There was no transparency during the application process that such a low limit could be assigned. This experience was frustrating and a waste of a hard credit inquiry. I expected better consistency and communication from Citi. I would not recommend this card for anyone seeking a balance transfer solution unless Citi improves how it evaluates and communicates credit limits.

Be cautious, this has been one of the worst credit card experiences I’ve had. The interest rate is extremely high, jumping to around 30% after the first year. Even when making payments on time, I was still charged interest that was supposedly from the previous year, which was never clearly explained. Customer service was just as frustrating. No one seemed to have clear answers, and after speaking with both a representative and a manager, I got nowhere. The manager was unhelpful and had a poor attitude, and I was eventually transferred back to a customer service agent who couldn’t resolve the issue. Overall, a very disappointing experience. I would strongly recommend reading the fine print and considering other options before choosing this card.

Worse customer service ever. And he was in India. Really?? You can’t even hire people from the US. They took out a huge amount that took all money and put me in the hole. First call they blamed the bank and told me to call them. Second time the guy from India that I could barely understand him. Says the could reverse. But 3-5 days. Has to go thru this person. That person. I’m in the hole and have no money. They were no help. I’ve never seen such poor customer service. I closed my card. You need to as well

I have been a 31-year cardholder with Citibank and up until now have had an excellent relationship. Citibank sends me out my monthly statements, I pay in full, and there seemed to be nothing wrong, until... businesses have started calling and asking why I am disputing the purchases or services and Citibank has 'funded back' the money into their pockets - sometimes as far back as 7 months! I have made no disputes and my statements do not indicate any disputes. Presently the fraudulent activities by Citibank is in the 5-digit dollars and Citibank will not pay my merchants or refund the money back to me so I can pay them.

Very poor customer service with the AA Citi credit card. Refused to honor offer for free miles after numerous calls and emails. Sent in receipts and offer photo and still no resolution after 3 months.

I rarely use my Citi card cause it's one of my lower balance cards. I activated 2 days in advance of a Ticketmaster concert sale just to be in checkout and denied. I call and they needed to activate again since I have not used in some time. What was the point of me activating it days in advance then?? I just closed my account and never again will I do business with them.

Worst card company ever. I have multiple cards with Citi. I recently got injured so used my card a little more than usual....all of a sudden they killed all my available credit. Been with them for years....not a single non payment or late payment...but when needed, they took all of my available credit away.

Why don't I see more people saying how bad Citi is...beware. This company issued an outstanding balance after I closed with 0 balance. Terrible experience. Please stay away from this credit card company.

Citi bank! Truly useless customer service”! I recently misplaced my Costco Citi Bank card. I called to get it cancelled and to request a replacement card to be sent. I was told, 7-10 days. I’ve been a customer for 9 years. When, after more than 10 days there was no sign of a card, or even an email confirming “delivery” I called Citi Bank. The card had, apparently been delivered several days earlier. When I pointed out that I had no confirmation of delivery and had not received the card, the agent told me they would cancel that card and send another: Great, another 7-10 days? No, they would “expedite it” - so 1-2 days. The agent asked me to confirm my address. It seems they hadn’t put the unit number on the 1st card.

Customer service and Fraud departments are absolutely useless, not sure why they even spend money for them. A charge showed up on my account with a name I have not done business with for 2 months. With an address in different state, and linked to web site for different business in yet a third state. Sounds suspicious so I call Citi for more info. Possibly legit, maybe not. Citibank was of ZERO help. They could not even see the linked web site. Told me I should Goggle it. Citi Staff would not listen to me or answer questions. Just read over and over the same script. A group of 6th graders would be more highly educated than those I spoke to. Not sure of any value from the customer service dept or fraud department.