CitiCard Reviews

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.

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.

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!

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 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 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.

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!!

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.

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!

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.

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.

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!

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 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!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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!

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.

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.

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.

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.

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.