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Reviewed Oct. 15, 2023
After being with this credit card company for many years, it is as though there is deliberate attempts to create confusion when trying to pay a bill. I am going to end this relationship as soon as I find a company that has better reviews. Two months ago I sent an email to the "customer service" department which was never answered. Yesterday I went online to pay my monthly statement and it appeared that the card had used automatic withdrawal. Today I wanted to verify and it hadn't happened so I had to pay a day late for the first time in many, many years. A membership fee for things I've no interest in. Constant emails to encourage card owners to max out their amount.
Reviewed Oct. 9, 2023
The card touts benefits-- example, presale codes with Ticketmaster, however the hoops to jump through for simple account and account holder authentication in trying to make even modest purchases (WELL under the high credit limit) are impossible. Despite multiple calls to Citibank nothing ever gets resolved. A waste of valuable time with NO benefit to having this card whatsoever.
Reviewed Oct. 9, 2023
I have top-tier credit and a multi-year experience with Citi Costco credit card. They cancelled payments that cost me a lot of money. Avoid these untrustworthy security people at Citi Costco Credit Card in Sioux Falls, SD! They canceled my card while I was traveling. Reservations were reversed! My trips were in disarray because of security. No advance warning!
Reviewed Oct. 5, 2023
I have the American Airlines Executive Mastercard with Citi. I would like to start off saying that I have an 850 credit score and have many other high fee cards because I travel very often with work. I have never missed a payment and consider myself to be an excellent customer. Because I fly American, I thought it would make sense for me to get this card. I enjoy the Admiral’s Club benefits, but that’s about it.
I had a dispute with a merchant charge in late August. I immediately reached out to Citi. I got zero response from them, and in about a week the dispute was closed with no reason. I called in and I was told that the dispute was not able to be reopened and I that I needed to email a certain department. This call took about 15 minutes and I was forced to talk to several different departments, one that I strongly feel was not even in the US.
I sent an email to the department that I was told to do so. I submitted supporting documents. Again, after about 10 days I called in to see what was happening. I got no response that the email had been received. When I called in I was told that I would get a response in just a few more days, which I did not. This call also took about 15 minutes and I had to talk to two departments.
At this point I was getting annoyed. This kind of card with a $595 fee should have better customer service. I called for the third time and I was told that the second dispute was also closed with no correspondence from Citi. I asked why and was told that there were no notes, and they could do nothing to help me. They then offered (bargained) with me to take a $250 payment when the disputed charge was for $396. I was furious. I felt like they were implying I was trying to get something for free, when the charge was 100% not authorized by me. I told them I wanted to cancel all my Citi accounts and they did not even try to save my business. This call took 51 minutes, four departments and again I was sent out of the US.
To make this situation even more comical, they applied a $250 credit to a charge that wasn’t even disputed. I have had disputes with Chase and American Express with zero issue. The responses I got from them were more of “we are sorry this happened, we will credit your account right away.” With Citi they basically implied that I was the one that was wrong and that I should be grateful for the $250 “Gift.” I have already paid my yearly fee, but rest assured I will not keep my accounts open for the next year.
Reviewed Oct. 4, 2023
I received a Citi Card 18 months interest free balance transfer invitation in the mail in February 2023. I transferred $8000 to a new Citi Card that was supposed to have zero interest for 18 months and a very small monthly minimum due around $86. I set up autopay through my bank to pay $100 a month. I logged in today and noticed tons of late fees and my minimum is now at $206 a month. They said the first payment was late so they've been charging a late fee for the last 8 months, they've reported it to the credit bureaus, and upped my monthly payment by $120 a month...all with ZERO communication or reaching out to me to let me know! Had I known it would have been corrected IMMEDIATELY.
I did this transfer to gain the zero interest for 18 months and have a small min payment. Citi has since created a total nightmare for a very hard working single mom who pays bills on time and has been working very hard to get my credit score up. They could care less and are doing nothing to help fix this. I highly advise to NEVER use Citi for ANYTHING. I'm going to get my money out of Citi as soon as I can.
Reviewed Oct. 3, 2023
I had a Citi card that was connected to my Costco membership. In August 2023 my Costco membership expired. Before I could renew the membership Citibank closed my Citi Card account. I had $146 in rewards that I had until December 2023 to use. Citibank close the account and refuse to give me back my rewards of $146. After several phone calls made to Citi Card. They advised me that once an account is closed there’s no way for them to go inside and retrieve the reward points. However, the account appears to be opened enough to make payments on the amount that’s owed. They advised me I could reapply for a new card under a new Costco membership, which they never gave me an answer to. After a couple of phone calls made inquiring about the new card they kept telling me they had no answer and that I needed to keep waiting another 10+ business days.
Well, after two months, I decided to give up and they refused to also send me a letter advising me why I didn’t qualify for a new card or whatever reason they had for not giving me one. Will never do business with them again. And even after closing the account every other week I get a envelope from citi, saying the prequalified for a Citi card and all the new rewards. What a laugh. Beware of such an outfit. If I could give them a zero rating I would, so they got a one star from me.
Reviewed Oct. 2, 2023
My worst experience is the credit card! I was done unfairly and I'm so angry about that! Never ever will I do business with Citi bank ever again!! My monthly fee was only 29.00 every month and each month I sent in a payment of 50.00. I was glad until they put large interest charges on me. Here I'm about to pay them out and they still charge me! If my monthly is only 29.00, and I'm sending 50.00, I have paid them intrest plus more!! Their customer service people are so damn rude and the ones you talk to say that I was right, they are just as worse!! I'm being recorded but still they do nothing to sort this out. I will tell all I know never to do business with, Citibank because they are not true or fair!!
Reviewed Oct. 2, 2023
If I can give any advice about Citi cards. Don't get one. I had one for 17 years, I only used it one or twice a year. Well they closed my account, said because they didn't make any money off me. The guy I talked to was so rude. Never again. If your scores are 760s up carry a different card. Citi is horrible.
Reviewed Sept. 29, 2023
They will try to stick any fees any way they can. I made a $1000 transaction through Remitly and they charged me $53 calling it advance transaction fee like if I went and took cash money from the credit card which I didn’t. Remitly is an online transaction like any other once. When I called the 800 number (somewhere in India) they were not helpful at. I made an online order which I never received. Filled a claim then got a charge back because the tracking showed delivered. Please stay away stay away from this credit card as you’re not covered in any way!
Reviewed Sept. 29, 2023
Worst credit card company (Citi) and app. App is always having issues. Card has no promotions ever worth using. Now they say if you don't use the worthless card more they will decrease your credit limit. Maybe if your card had any form of promotion that keeps up with the rest of the cards out I would use it. Home Depot, please dump Citi and get a company that is better.
Reviewed Sept. 29, 2023
Pending matter to close on home purchase and absent the letter we pay $3900 extra at closing for it being delayed. What a nightmare this turned into. I requested same from our Capital One credit card and they not to fly sent a secure email but also via docusign.
It is evident by the 10 calls I’ve made to Citi over the span of 10 days that they simply Do not care about customer service. In fact the majority of the customer service representatives had a total lack of empathy and care for our satisfaction and an utter disregard to help us. In fact some of them demonstrated complete apathy to our needs. I’m to say the least extremely disappointed that in today's DNA and considering the technological resources this credit card company had they have an utmost Disregard for customer service. I will be cancelling the Citi Credit Cards as they provide zero benefits compare to other companies that do have excelled customer service experiences.
Reviewed Sept. 29, 2023
I have literally been going in circles trying to verify my own identity. After many calls and escalations they are mailing a letter to my residence for verification. What am I supposed to do for 3 days waiting on snail mail? I've also been waiting on a return call all day. They also wanted to verify my account with a home landline? Seriously in 2023? The only way to send them a complaint is by sending them a letter. You can't email or chat with anyone to file a complaint. Absolutely the worst customer service I've ever experienced!
Reviewed Sept. 27, 2023
I just talking about my experience. This card was such a time wastage for me. My card was declined while using at Walmart. I received an email asking to approve or disapprove the transaction. I approved it it transaction. Still did not go through. I called the CitiCard and I was keep getting transferred from one rep to other and then to supervisor. They send me code no. of phone. But no resolution. I was on call for almost two hours at the store for them to approve the transaction. But they never did; So I used my other card. I just opened this card and it is already a nightmare. I called them again and was told to give them a different number from the one that I am calling from and I will receive a call back on that number. I did that but never received a call back.
I call back again and was told I will receive a letter in the mail for verification purposes. I have put this card on for some autopayments and they have locked my card. I went online to see if I can see that letter online but it is not even there. The reps they have; they don't try to solve the problem but they try to make things way harder than they already are. I will make sure not any one in coming generations get this card or any of this card siblings or parents or any of their relative.
Reviewed Sept. 25, 2023
I have been a cardholder of a Citibank's rewards card for several years now. I was just informed that they lowered my credit limit over 2000. I have never missed a payment or had any issues except losing my card. I have decided to pay off the balance and cut up the card. Sorry Citibank, no more interest money for your company!
Reviewed Sept. 24, 2023
Is my first and last time using Citi cards. Not only have they ruined my trip but have made my day horrible. The customer service is the worse. They don’t even can help the customer even though you are doing everything to verify you are the owner of the credit cards. I closed my credit cards even though it could affect my credit but never again will I open a credit card with Citi.
Reviewed Sept. 20, 2023
I held off for a long time before writing a review. My card received 11 fraudulent, and obviously fraudulent, charges three payment periods ago. I have made 13 phone calls to try and get information, give information, and move things along. Citi has made none. Everything they say will happen on the phone does not and for a while, they totally dropped the case. Then had to re-open and start from scratch. I have zero confidence things will get handled anytime soon and this case should be so easy. The charges are ridiculously and obviously fraudulent. Just a bizarre experience thus far. I've had one other fraud experience in my 40 years as a cardholder. It was with another company and it was handled so easily. The Citi experience borders on bizarre.
Reviewed Sept. 8, 2023
ALERT: This company create transaction with phone numbers online after you report to bank, they start investigation up to 90 days and you call and call and they never make a solutions. In my case I receive fraud alert for transaction 5.000 from DAVIDART GENEVA IL and this store don't exist... I report, file dispute but now my credit card is over limit and the 3 credit B show and my score is down.. I call and call and they only say... IF THE INVESTIGATION IS ON YOU FAVOR WE APPLY THE CREDIT... OMG CITI is sooo danger, please use AMEX, OR CAPITAL ONE but don't use Citi cards.
Reviewed Aug. 29, 2023
I changed my cell phone #s recently so when I need two-factor authentication I called and told them my cellphone #’s had changed but they locked me out of my card (that I use to get 4% cash back on gas at Costco). I asked them to text me an authenticator code to my second cellphone# but they said the system couldn’t, so they locked me out of card…. I won't get another one for at least a month because they didn't have the decency to tell me that I needed to call TransUnion and get them to update my cell phone #s so they could text me an authenticator code to my new numbers.
After I got off the phone with Citi, I called another credit card company, and they gave me the advice to call TransUnion so I wouldn't be locked out of their card.....what an incredible difference in customer service!!!! Citi Visa credit card Representatives are heartless!!!! I'm Incredibly Disgusted With The Unempathetic; Uncompassionate Customer Service that I received from the representative who had The Teenager Attitude Of "Whatever”, Not My Problem Lady"... Her attitude was "You Are Now Locked Out and too bad but you Have To Wait Weeks To Get Another Card….Not My Problem”!!!! “They don’t pay me enough to care lady.”
Reviewed Aug. 19, 2023
21 years with Citi. Thank You Preferred Card, 2 years ago they took away some benefits without letting me know. Then 4 months ago the app update was chaotic did not let me login, interrupted my mobile antivirus, and now the website loaded 3rd party domains request on my phone. Now I have ads popping everywhere and my cell is not working properly. I have never paid late and I have been super loyal with Citi, I recommended the card to family and friends and now I regret it.
Reviewed Aug. 17, 2023
Tonight, I made the decision to close my Citi card after being a customers for close to 3 decades. In the past year, I dealt with tons of fraudulent charges. That part was bad, but calling Citi card and having to repeat myself over and over was even worse. Every time I called call center my personal information was updated. Somehow, scammers were outsmarting the CC company and changing my information around and purchasing stuff in other states thousand of miles from me. I Canceled 3 cards and purposely did not activate the last one and somehow, a scammer activated it to make purchases. I asked them to cancel that one again and of course, my information was updated. Days later, I called to get the status of the new CC and guess what? It was mailed to a different address. I had no choice but to cancel the last CC which I never received and close the account to not deal with this anymore.
It is frustrating that a big company like Citi has such a poor security measure to protect their customers. As frustrating as it was dealing constantly with this issue, it was just as frustrating understanding some of the CSRs and the amount of time it took to get the issues resolved due to the language barrier. I did not want to leave Citi after being a customer for so long but it was the only option to end this misery. No more calls to the call to explain myself about something that they should already know if read the notes in the system. I am so relieved for making this decision tonight!!
Reviewed Aug. 13, 2023
I was a Citi customer for 10+ years, have multiple cards with low balances, and have a 750+ credit score. Citi is a company that will reduce your credit limit from $9000 to $1000 with no explanation, be un-contactable multiple days out of the week, and after tanking your credit score (for making only small purchases on their 29.99% APR card) give you only repeated 'I'm sorry sir's. Their interest rate is higher than their competitors, their customer service is worse than any of their competitors, and their points structure is worse than any of their competitors. Use ANY other company for credit cards.
Reviewed Aug. 10, 2023
I have been self employed since the late 90's and have had many business cards and dealt with many banks. They all have their flaws, but Citi rises far above as the worst one. Costco is abandoning them as their preferred card. That speaks volumes as to how many of their customers complained about dealing with them. It is pulling teeth to get rewards redeemed. Customer service is not customer focused. Their job is to provide you with as little information as possible. When speaking with customer support the vibe I get is "we don't care". Terrible business card, get something else.
Reviewed Aug. 3, 2023
The most incompetent customer service department I have ever encountered. I got a Citi bank Premier card with a $10K limit. I tried to make a purchase for $1100, card declined. I called customer service, they transfer me to Fraud department. They asked multiple security questions. They said card is good to go. Tried to use card again. Another decline. Again I call . Have to go thru automated questions, then customer service asks same security questions, and again back to fraud alert. These calls can take 20-25mins. Now Fraud dept tells me I have a spend limit of $1000 set on my card and fraud department can't remove customer service has to do it.
When they transfer me back, it seems that there is no communication between the department. Customer service doesn't know what a spend limit is and I need to speak to line management. Line management has no clue and transfers me back to customer service. Nothing was resolved. I ended up using my Amex Personal Platinum instead. Horrible painful time consuming experience. Avoid Citi Premier Card at all costs & thank me later.
Reviewed Aug. 1, 2023
This is one of the worst credit cards one can have. By opening this card, credit history will get affected drastically and they provide a limit of $500 which cannot be used anywhere. Don't ever purchase Citibank cards.
Reviewed July 18, 2023
Do not use their credit cards. I just spent an hr on the phone only to get declined on a purchase with more than enough credit. I went through hoops only to get nowhere. They expect you to make X amount of purchase so you qualify for point before the 90 day mark, but decline large purchases. Horrible customer service!
Reviewed July 14, 2023
Can't get a representative, the recording only. Located in some South Asian country, therefore they apply their rules, not American. If you talk to them (you have to be that lucky) and they promise you something, doesn't mean this is going to happen. For example, I got an email that my replacement cards are on their way. However that wasn't the case in reality. Their site works 30% at the time. It constantly out of order. I wouldn't recommend this card to anybody.
Reviewed July 10, 2023
I was issued new cards every month or two due to fraudulent activity. Painful when you have autopay setup with several accounts. Poor customer service as well. I have left and am using Discover now, hopefully will have more success with security.
Reviewed July 4, 2023
I have been a customer of CitiBank now for several years. Last month I was trying to get set up with automatic bill pay through my bank, and there was a mistake on my end so it was not done in time for my payment to come out correctly. I contacted my bank USAA and they actually had an issue with correspondence so I was not notified in time and was 3 days late with my payment to Citibank. Because of this Citibank cut my credit line even after I was able to provide them a letter from USAA explaining what had happened. I do not feel like this is right, I am a good paying customer, that yes does carry credit lines, but in our household we have a combined income of over $250,000.00 and 5 sources of steady income between my husband and myself. I do not feel like it is right that this company boxes people into the same category and everyone should be looked at as an individual.
I feel like I was racially profiled because again, there are ZERO late pays on my credit reports, ZERO BK's and they were provided with documentation proving what had happened regarding their payment. As soon as I found out, I not only made the current payment that was missed, but the following months as well. After they went through their review, they told me if I made a sizable payment then they could possibly restore my line to the original amount. All this goes to do is throw customers credit report out of whack, because these companies knock your line to basically what you owe them, putting you way over the 50% where you should be, and where I always try to stay. This is not right, and this happens to many people of color and the system needs to be changed. I was not asking for a handout, and provided them legitimate documentation of what happened and this should and needs to be corrected.
Reviewed June 22, 2023
The Citicard Probate Dept. refused to honor the redemption of a Dividend Rewards request from me, the successor trustee of my father's estate. I spoke to several reps in the Estate Dept. and also the Probate Dept. and mailed in the required docs (death certificate & Trust docs). However, Citicard FAILED TO DISCLOSE POLICY that Dividend Rewards must be requested within 1 year of the cardholder's passing. I had no issues redeeming rewards with Capital One.
On 6/22/23 I explained to an Extremely Rude Probate Dept. Employee ID#** that this was not a high priority item and that's why it took so long to request. Besides, the rewards were over $300. Then, I was hung up on when I asked to speak to a Supervisor. Those thieves are keeping the money! Stay away from Citicards. It is a Corrupt company with deceptive business practices and has the Worst Customer Service!! Take your business to Capital One or elsewhere.
Reviewed June 11, 2023
I have been a Citi customer for a very long time. I will likely cancel my account after this experience so this doesn’t occur again but I don’t want another Citi customer to have this horrific experience.
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