Citi Credit Cards Reviews

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.

Stay away! Terrible practices. Made very large purchase very close to credit limit but not over. made large payment and they lowered the credit limit to match balance keeping it as 100% used. Made another large payment and they lowered the limit again to match balance making the card useless. They did this 4 times in less than one year. Horrible way to treat a customer that was just using the card!!! Has cost me about 50 points off my credit score due to having a 100% used card. My credit limit is now half of what it was just because I used the card.

I spent over $40,000 on my Citi credit card and earned about $1,500 in rewards. After one payment attempt failed due to a security issue when I changed banks, Citi immediately closed my account. I contacted them and clearly said I am willing to pay the $1,000 balance I owe, but they refused to give me the rewards I already earned. This feels extremely unfair and misleading. Customers spend money expecting to receive the rewards promised, but Citi took them away after closing the account. Very disappointing experience and poor customer treatment.

Horrible customer service. Had 2 separate "supervisors" claim that there was no other person that was above them at the entire company. Had been trying to reach the retention department and both Tellie and Jennifer refused to transfer me out give me the phone number for me to call them. I was told "you're not allowed to have that information."

My mother has an LLBean card with Citicard. She is 93 years old and I am her POA. I found her statement with an $18,500 balance. She was not aware of the balance and we could not get into her account online. So we called customer service and the online "specialist" could not/would not help us get any answers. I cannot believe how ignorant she was.

Don't fall for their flex pay scams. I have a Costco/Citibank credit card. I always pay my balance in full, but booked an expensive trip, so I decided to take advantage of the flex pay option on 4 transactions. I enrolled in flex pay, but before the payment was due, I contacted Customer service to enquire about the fees. I was told if the balance was paid in full, there would be no fees. Not once but twice, I was given this information. Imagine my surprise when after paying the balance in full, I was still assessed the fee for 1 payment.

Stay away from this bank, I enabled auto pay and seems like they are squeezing money for every transaction the due amount of 30$ and they charged me 30$ for every run. There was delay with my bank account funds availability and these guys are sucking blood out to every customer. Useless Card.

This company has sent us 60 years in reverse! They WILL NOT allow a married couple to share a card - no joint accounts! The only way they can share a card is for one to the be primary cardholder (who sees all transactions and statements) and the other is demoted to "authorized user" and they cannot see all transactions, nor statements. So they make it to where one person in the marriage has all the power and financial insight and the other has none. What is this - the 1950s?! CRAZY! I'll be closing my accounts with them - there are too many good credit card companies out there to be pushed back into the 1950s.

The worst bank you can find. Anything bad is possible with this bank, Do Not do business with Citi, you'll get burned. After over 25 closed my accounts abruptly and no reasons. You'll only know it when you need to pay for a purchase, no warnings.

I am disgusted with Citibank and their lack of communication and customer service. They never re-issued 2 of my credit cards after they expired and when I called to inquire, their response was "Citibank decided to close these accounts". Are you serious? Without a discussion or notification to the customer that you closed 2 of their credit lines that were in good standing? How is a company able to even to do this? What a terrible experience. DO NOT apply for a Citibank card! Use DISCOVER.