Citi Credit Cards Reviews

Advised I did not get my card and was advised they would send one. Then my account was locked. Call the number provided and sent to wrong type. Tried number provided and it was disconnected. Avoid at all costs as their customer service is abysmal.

Citi advantage cards have got to be the worst. They take forever for anything to process. And if you call and ask about a time on anything. They say it's the other institution's fault why it is not posting. You talk to someone and most of the time you can not understand what they are saying, and are usually no help. They basically tell you you have to wait for it to go through. Which can be 7 to 10 business days. I would recommend going with a different company.

I am regretting why I ever applied for Citi credit card without researching well. I was charged double interest after I paid all my balance. They charged me for $0. After I called they they said they will take it off but they didn't, they instead charged me interest for the 2nd time. If there was a zero star 🌟 I will go for that. Watch your account kindly because they are good at charging you some hidden fees without your knowledge. Horrible company

I was charged a late fee when I was on autopay. Impossible to get someone to talk to. I paid the late fee, so it didn't hurt my credit. I think $31.00 was a bit high for a $29.00 payment. I closed my shell Citi Bank account, and today, I will shred my Citi Bank MC I've had for 25 years. I will never do business with them again and will warn everybody I know to stay away.

If I could give zero stars, I would definitely do that. Even one star is too generous for Citi. Unfortunately, I have 5 accounts with Citi and I regret it. I used their credit card and loan offers, which was a big mistake. I also took one of their credit cards to use while traveling to Europe, which basically ruined my vacation. I have never had a late payment or missed payment in my history and I always pay my monthly payments well above the minimum. However, they keep decreasing my limit as I pay, causing me to always be at 90% credit usage, which is damaging.

I have a dispute in for $426 of false charges from a hotel but Citi is not helping at all in the disputed charges. I have to use up my miles on the card but this card will not be used again. I can't trust it.

Not impressed at all. Most of the time awful customer service even when you get lucky and understand their English. I have had more unauthorized charges on this card then any others. Be careful where you use this card.

If you want to build your credit or you’re looking for a reliable credit card, don’t apply for a CitiCard. They’ll close your card or drop your credit limit no matter how good your credit is or how often you pay your balance in full. You’re penalized for using the card and not using the card. It’s a lose lose.

Had a Citi american airlines credit card, thought it was it closed when Costco changed from AMEX to citi visa but citi kept it open and charged $80 per year for membership. I received notice that my account was going to collection after my First Republic account was closed where citi was automatically charging from. I called Citi customer service and my account was closed and assured the charges would be revered after 2 hours and 6 transfers. I have not charged on this account for at least 8 years and now a month later I'm getting threatening notifications about payment. tried calling to no resolution and even went into a branch just to be told to call the 800 number.

I wanted to pay off my card so I sent a check via my bank and accidentally paid online as well for $12k. They could not reverse the transaction when I called the next day and said it would be 7-10 days to review the refund. When I called 14 days later, they said it was in process and could take another 3-5 business days to be credited back. I spoke to a supervisor and they said they would escalate. The next day I called again to get a response and they said it would take another 3-5 business days. Imagine not having access to $12k for such a long time. They take my payment immediately but it takes weeks to get my money back while my credit card is showing the credited balance. I’m so unhappy with this service and they are just telling me to wait. I have been a cardholder for a long time and want to end the relationship because of this experience.

I am stuck paying fraud claims of 9000$. Plus their interest and late fees. We noticed them and they took off some but not all. Now 1 and 1/2 years later still paying and haven’t used card since. So much for fraud protection. Ps can’t even understand people that answer their phones

I recently signed up for the Best Buy Citi Visa card, but unfortunately, my experience with the card company has been a nightmare from the start. As soon as I tried to register my new card online, I encountered a "fraud error" message. Naturally, I called customer service to resolve the issue, but what followed was an exercise in frustration and poor service. The first hurdle came when the representative informed me that my phone number wasn't recognized in their system, despite me providing all the correct information. I tried to provide everything I had—my full name, address, SSN, date of birth, the date I opened the card, and even the details of my first purchase—but none of it was enough to help them verify my identity. To make matters worse, I was told that because I had changed my phone number, they couldn't assist me in any way. Instead, I was told I had to wait for a letter to arrive at my address to verify my account.

I have been a card holder for 40 years. I have made purchases from this one company for over 15 years. Recently, I was flagged for fraud. After calling the fraud department or an individual who could hardly speak English, ask me a handful of questions to confirm the identity of the card including my email, my mother's maiden name, and my phone number she told me she couldn't confirm that I was a cardholder. She then told me she was going to put a fraud hold on the card for somewhere between 1 to 2 weeks till I get some letter in the mail that by the grace of God may come by postal service within a month.

I have 2 credit cards through Citi. Both are decent credit limits, well were... Because I had made a couple bad purchases last year I ended up hitting a max on both for a short while. I paid more than the minimum payment by at least the interest for that month or more every payment on time. Then when I received my bonus for the year plus my taxes made paid over 7500.00 between the 2 cards to help get my available credit back in decent shape. Then not even 3 weeks after making those payment they drop both my credit limits. I've been a loyal customer always paid on time payments since opening these cards, always paying more than the minimum, and this is how they treat their customers? They can kiss my **, once these are paid off completely I'm done with citi and will never recommend anyone to them.

On July 15, 2024, I received (only me, not my husband) an unsolicited new credit card from Citibank Advantage Gold Card MC -- it would not have expired for another 6 months. That seemed odd to get one card, so I called (888-766-2484, spoke with "**") and was told that someone had called Citibank (definitely not me or my husband) and asked for a new card to be mailed. Charlie said only one card was sent to our address, no other addresses. "No problem," Citibank said, "OK to continue to use your card." Big mistake! We received a fraud alert on 11/19/24 from Citibank (888-766-2428) re several charges in DC and Maryland totaling over $1K. A $900 charge to Target was denied before it went through. We did not make or authorize any of those charges. We assured Citibank (multiple times) that both our cards have always been in our possession. At that point, Citibank said they would "investigate"and remove the charges.

Sorry, I need to type in all caps because I'm really frustrated. They closed my business credit card account last nov, 2024 after I paid my almost entire balance (leaving $47.47 bal.), & I found that when I'm trying to use it & got declined. I called & they told me that even though I been I good customer (as I been paying my balance at least twice a month, hoping for credit increase) my account was closed due to decline of my personal credit.

Just because you're having problems with your online services for people to make credit card payments all you want to do is every time they make a payment is lower their credit line is ridiculous especially when they make you 52 almost $200 payments a month on satisfied. Do not get this card to anybody because find City financial is a joke. Going to report them to Better Business Bureau.

Not paying your balance in full for 2 consecutive months results in interest charges for the full amount, not only the balance remaining. This is a somewhat new practice, and I don’t know how it is legal, but CITI card does it. That being said, if you do pay your balance in full, every single month, the credit card is worth it, since you get 2% across the board.

If you're looking for a card they decrease the limit on when you have “good” credit any Citi card would do the trick!!! Can’t get one person on their phones to tell me why. Citi if you read this I would like to know how I’m a bad candidate when my cards are not even close to maxed out month to month.

I had a secured Citi credit card, but I ran into some life struggles, and my card bill exceeded my financial means at the time. The account then closed, which was understandable. The balance was sent to collections, and I accepted that as well. I paid off the collection agency and requested a letter from Citi to confirm that the account is closed. They told me I would receive it within 7-10 business days. However, 25 days later, I still haven't received the letter! They are now saying that there is an issue with their letter printing system. What would Jesus do? Because I CAN'T TAKE IT!

I have had a credit card with Citi for several years and made each monthly payment on-time. Last month I had to charge $1500 on a credit card that was not Citi. Because of this charge Citi lowered my credit limit from $5000 to $2000. My balance was $1550 so this left me with available credit of $50. I even have my payments set up on auto pay. That's the way they treat their good customers!

Citi allowed charges to a card that was not activated and then refused any action against charges. Customer service was a joke. I have been a loyal customer for 27 years. I canceled my account and will never work with Citi again.

These people will cancel your automatic payments and block your account so you cannot pay it over phone. This is all done intentionally on purpose. If this has happened to you need to contact the better Business bureau and report them because they costed me 75 points on TransUnion because of a late $28 fee. Several months later they blocked my account again after canceling my automatic payments once again and now blocked my account and I need to wait for a letter in the mail to verify my account supposedly. No supervisors are accessible and husband and wife keep transferring each other two phone calls.

I have encountered several major flaws with the Citi Costco credit card. One of the biggest issues is their payment processing system. Even after making a payment, seeing the funds leave your financial institution, and having the transaction marked as completed, Citi may take up to 14 days to update your available credit. This means that even though your balance is technically paid off, you won’t have access to your credit line for an extended period. For individuals and businesses that rely on timely payment processing, this delay can be extremely frustrating and disruptive.

Can't talk to a human and when you finally get ahold of one, can barely understand them. AVOID this card and CITI like the PLAGUE!! Customer service SUCKS!!! Customer service SUCKS!!! Customer service SUCKS!!! Going to close account.

This is the second card I opened for my business. My first card has a limit 10× more with flawless history. The credit line is unusually small, the places I like to shop like Costco don't accept Mastercard and unfortunately the cons far outweigh the pros. At this point I seriously wish I had choose a better card.

Previously, I have been able to log on to the app using Face ID with zero issues. A couple of days ago, I tried to sign in with Face ID, just as I always have, and got a message saying “Access Blocked” with reference # ** & below were two customer service #s. So, I called the one specifically for credit cards. I’m not even exaggerating when I say that I’ve talked to six different people and have been transferred to multiple different departments. The first time I called, which was on Thursday, got transferred twice. The third person I talked to said that he would submit some kind of form or request. He told me this would resolve the issue; however, it would take 24 hours to resolve. The whole process took a little over a half hour, which is pretty standard.

Citi uses their customer service in foreign countries, this causes tons of frustration for U.S based customers. Philippines, Vietnam, India and others have heavy accent and they go by the script not understanding or listening to customers at all. My experience has been consistently worst year after year to a point where I will stop using my Citi card where my average running balance is $20k. Strange thing is you can complain all you want, it is like talking to the walls. I wonder how the management get away with this kind of ratings. Brings the jobs back in America if you want American business.

Requested my reward be mailed, was informed it would be mailed. A month of not receiving it, I called. After 2 hang ups from them, they still refused to mail it, instead of credit my account! They DO NOT want to send you the cash, so they PURPOSELY make the mistake to apply it to your statement, when you SPECIFICALLY requested, they mail it to your address! They also will put you on hold for long periods of time, pretending to connect you to "managers" and will hang up in your face, if they have no answer for your question! This is the WORST credit card company have ever dealt with! Citi was made to pay for issues with customers before, appears to me, they need to be investigated again!

Citi is systematically destroying my credit score. I have 4 cards that they hold. None are late, most had fairly high credit availability. I make big payments, small payments...it doesn’t matter. They keep reducing my available credit and have closed 2 accounts without reason or warning. One card went from $18k to $400 over multiple reductions. My credit tanked as a result. Each reduction made it look like I was using a high amount of credit even as I was paying down.