Citi Credit Cards Reviews

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.

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.

If I could give 0 stars I would! Tried purchasing concert tickets. First one was approved but the tickets were sold before I could submit payment. Tried again and Citi flagged my CC and transaction was rejected. I had to call to get it corrected and in the short time, price jumped $150 which I had to pay. They won't do anything about it either!

After 14 years of doing business with Citibank, my credit card account was suddenly closed without meaningful warning or a clear explanation. As a direct result, my credit score dropped 40 points. Closing a long-standing account reduced my available credit, increased my utilization ratio, and shortened my credit history — causing real financial damage.

I applied for a Citibank credit card… What A Huge MISTAKE. I applied for a Citibank credit card and was approved for a 15,000 credit limit. Once I was approved, I was taken to the sign-on page to create a username and password. After signing up, I tried logging in, but I got an error saying, "We are experiencing temporary delays." This kept happening, so I chatted with a guy named Roy. He tried looking up my account using my SS number and couldn't find it. I have a copy of my credit report showing a Citibank inquiry. Since you can't talk to a human, I expect Citibank to remove the inquiry ASAP. I decided to go with Chase, at least you can speak to someone there. I would never recommend Citibank to anyone. Citibank has got the worst reputation on any site you go to. STAY AWAY!!! Attached is just one place showing the inquiry.

BEWARE! ALL CITI ACOUNT REPS FROM off-shore countries who don't communicate well, difficult to understand heavily accented reps, who rudely condescend the process of investigating both credit and debit errors in your account. They tell you your credit is processing, but according to 3000 negative reviews online, there is and inherent delay in processing any error in your favor even with your proof. PLUS IF YOU HAVE THE MISFORTUNE TO GET A FEMALE FROM THE PHILIPPINES, SHE WILL TALK OVER YOU TRYING TO PROVIDE THE INFORMATION NEEDED TO CLOSE YOUR ACCOUNT. THEY ISSUE YOU A "WARNING" IF YOU QUESTION WHY SHE KEEPS REPEATING HERSELF TO ANGER YOU, THE CUSTOMER! WORST CREDIT CARD EXPERIENCE EVER.

Hidden fees, offshore customer service. I paid off my entire balance of $2k, the next month there was randomly an $18.17, so I paid that balance on 2/17. Then on 2/23 magically another $18.17 balance appears. I call them and they say the second $18.17 is because the first $18.17 should have been paid on 2/14 so it's a late charge. And the first $18.17 was because even though I paid the entire balance, it wasn't the real balance because interest was being assessed daily which wasn't reflected on the online balance.

As I have been remodeling my home after a fire. I have been using my credit cards to pay for big purchases and then paying my credit cards down. Citi bank credit card lowered my spending limit without notice when I was going to purchase kitchen cabinets. They lowered it so fast, before I received a letter or email. Be careful doing business with them. I called and absolutely ridiculous customer service, he kept repeating we sent a letter and would do nothing other than say we sent a letter. This was not really any type of “SERVICE.” They changed it so fast the letter would not have been sent from the time I paid it down and tried to purchase cabinets. I spent $5000.00 from savings to pay down so I could charge my new kitchen cabinets. They honestly are losing money from this transaction. As a single mom of 4 kids that was a different kind of hit.

After 10+ years of loyalty, Citi closed my Costco card over a single returned payment and didn’t even consider my long, responsible history. They shut it down right before my rewards were due. It honestly feels like they took my rewards. You act like thieves. This is not how you treat long-term customers. Completely unacceptable.

I applied for the diamond preferred card because there was an advertisement about there being 0% interest and balance transfer for a year. But then I get the card and it's 3k balance and no chance of raising the credit limit for 6 months, even with an amazing credit score and very good credit history with other cards. After many calls, I learned that the balance transfer ad that got me to apply in the first place - wasn't even an option on the card! So it was a scam to get you to apply for a card, and nobody could help me get what I was advertised. You shouldn't lie on your ads, it's very bad business.

I applied for an American Airlines Citi-Card, because I wanted to take advantage of the miles. My credit score is 806 with TransUnion and the wife and I have excellent credit, a 40 year credit history without a single missed payment and they denied my application. The frustration was in trying to find a human that could tell me why it was denied. The letter said my TransUnion score was below 650, so I figured I must have mistyped my SSN or some other information. I spent 20 minutes trying to call a number to reach someone about this. The letter they provided had a number but it didn't recognize my SSN when I kept entering it in the option window.

They locked my card for suspicious activity when all the charges were legitimate. Now I can’t remove the hold because they can’t verify my account even though I answered all the security questions. Worst credit card I’ve ever used.

I would give them 0 stars if possible. We spend $6K-$8K a month on our credit card. Our cards are set to expire in May. I tried to login to the Citibank website since I got my online statement via email, so I could verify the $6,800 worth of charges before paying and when I used my username and password that I use monthly to verify my statements it didn't work.

I'm absolutely astounded at what this company has done to me. I took advantage of a promotional balance transfer. I find out that they've charged me for the transfer and have sent the payoff money to someone else's credit card! I read them the card number that was given them and they tell me they have something else. They tell me they need 1-2 weeks to research. You'd think they would reverse the charge on my card wouldn't you since they've sent it to the wrong place as this is their fault, right? No, they tell me my payment is not due for three more weeks so there is no need and that I'll just have to wait until the research is done. Even though this is under investigation they are still keeping the charge on my account. NO bank does this.

Poor customer service and rigid, frustrating dispute resolution processes. Users frequently report long hold times, abrupt account closures, and poor, weak and wrong investigation. I don’t recommend this card.

Normally, I appreciate when a credit card takes additional security measures to keep your account safe. But Citi takes it way too far. I had an issue with a fraudulent transaction which took a month for Citi to rectify. They sent me a notice tocall them on three separate occasions just for them to ask me the exact same questions each time. What, did someone forget to click “Save” after our conversation? Even after that, my online account kept stating there was fraudulent activity detected, and that I needed to call them.

Well it happened to me again, but I watched this time. I received a call when my payment was late in January. I was kinda shocked, because I had sent the payment 10 day prior. I did this because I was late before and didn't realize it took long and wanted to skip the fee (which they waved 1 time). I sent it in (again) 9 days early and watched on my bank for it to clear and it didn't. I never had to stop a check before now had to 2 times... at $15 a pop. So I am rethinking the Costco Citi card when I renew. I know .... pay on line, but geez $46 for a late fee and interest. Just had to vent, but expect nothing other than just that.

Had to cancel my business credit card after years of on time full payment. Citi decided to change the mailing address for payments and did not make the notification apparent. As a business, we print the checks and they are mailed in a company envelope to the address on file. We were charged late fees and interest for the mail delayed payment. After speaking with the representative, who acknowledged that they had numerous people in the same position as us, we thought that everything was cleared up. Not so, after several months, they are still charging us interest (over 24%) on some balance amount? We paid the full amount of what was told to us, but, somehow there is still some amount that is accruing interest. Citi did not seem very concerned with this matter, which was propagated by them. We made every attempt to clear up the matter, to no avail.

After 4 years of being with Citi..no missed or late payments they decided to close my account. The Supervisor I spoke with was rude and taunting me. Said their risk department did so because of my credit score. That shouldn’t matter as long as I make my payments on time right? Terrible and the Risk manager that made this decision should be fired. Now they will never see a dime from me as I will let it go to collections. Bad business in Citi’s behalf. I almost opened an account with their bank. Thankfully I got this letter of closing before doing so. Do not trust this company. Its not about me not paying or being late but now they are going to lose out. The 1000 credit wont make or break me, I have 5 other cards. They literally threw money away with this action.

You must have the worst customer service in the world. I could not understand one complete phrase spoken by the customer service agent. I am sure you can do better than that. I don't have the same problem with others such as Chase or Bank of America.

I recently became a widow. Some of the hard things learned - having to slowly convert credit cards by applying for them as if I have never had one before and having to take the hit on my credit rating. We have had the CitiBank Costco card for over a decade and have never had any issues with them. In the months since becoming a widow, I have been using the card as we always have, and paying the bill, as I always have.

I have a Citibank Best Buy card or at least I should. I applied for one a month or two ago. 15 days after I called and reported I hadn't received it so order another one. Again 15, 20 days later I call them and report I haven't received it. I am told yes we have return mail from you. So I ask two months later you don't call or email me about this? Maybe we should hang up and you should call me and notify me that you had return mail! I know they have my email cause they keep sending time to pay (which I do) plus things that are great about the card the one I haven't received. Awful, less than one star customer service.

I applied for a Costco Citi Card but since I have freezes on all the reporting agencies, they couldn't check me out. I knew that would happen so I called them to tell them I would call Experian to get a one-time PIN. I got back to them but the code didn't work. I am in the middle of dealing with Medicare fraud on my ins. so there was no way I was going to unfreeze my acct. So at first their customer service at that particular phone # was good. But then they sent me a letter saying I had been turned down because of it. Fine. But when I tried to get back to them (at several phone #'s including the one that had worked so well at first) I could not get past "the voice" that requires you to make choices. There was no way to speak to a human.

RUN! I’ve had my Citibank card for over 5 yrs… AAdavantage. Horrendous customer service, no one speaks clear English. Have been through 4 reps in 45 min. None of which understood English well enough to answer 1 question. “May I Use My miles for a rental car?” Each person makes me repeat my request multiple times, then they transfer me to someone else who “has the answer.” They don’t understand, so they again transfer me???? Definitely switching to a new travel rewards card that have some semblance of customer service that speaks and understands English.

They are a scam. They add on promo. Without your consent. They charge you a huge interest fee and they lie about amount due, so it looks as if you did not pay the amount, so they charge you more next month. Talking to these customer service people is like walking into a brick wall, banging your head into it over and over. I would suggest either get a lawyer or pay them off and burn their card.

My application for a credit card for Tractor Supply through Citibank was rejected the first time because their employee said that I must have a personal cell phone. I followed his advice and paid for cell phone service. After waiting two months, I applied a second time. Citibank rejected my application the second time for a reason they would not discuss. There are many banks who have given me credit cards without a problem, so I am refusing to do business with them.

I’m very angry at Citi! I normally get an email for my balance. I checked email saw the balance, I paid the amount, I didn’t notice the email was for previous month, so the due amount was short $79.74. Following month noticed $7.98 interest, called and was taking off, Again I paid the full amount due, January 5, bill due January 16. Received next bill and $15.70 interest added, was told still on the $79.74. What kind of BS is this? I’m not paying it.

I have been with them for 10 years paying 400 dollars a month and when I finally make a payment of over 8k to pay off the card and they refused to remove a fee a week they add on my account after I paid it off.

Most recently, my husband was traveling alone and again had a valid transaction rejected.

I have had a Citi Mastercard for many years and we use it, a lot. All of a sudden they want my wife and I to have separate numbers. Neither of us asked for this or want it and no one can explain why we can’t both use the same number. California is a community property state and we do not need or want separate numbers. If other couples want separate numbers, let them do that. We don’t want to, but so far no help from Citi.

I need someone from Corporate HQ to restoration that has been going on for months. Verizon owed me $65.94 for failure to set up an account and port my phone number. I originally filed a dispute with Citi. Citi wasn't resolving the investigation because Verizon's bank was not responding because I was told they are just a processing center and therefore would not respond. Verizon reps suggested that I withdraw the dispute with Citi so they could refund me. So, I did that. But, then Verizon later stated they could not refund me because Citi put their chargeback money into a holding account which they cannot access. Then I tried to reopen the dispute with Citi and was told they cannot reopen it. So, as of now, Citi has my $65.94 owed to me by Verizon and Verizon's $65.94 in chargeback money.

I called customer service 3 times, first time was 46 minutes and get hang up, second time is 31 minutes then got the answer that is system is updated so they can’t do anything, third time I come to Costco and no way for them to help, so I have to call them again then I got a stupid answer from customer service.

I called about an over payment three times and got a person not fluent in English who failed to do their job right. Finally asked for their supervisor and got person fluent in English..An American who finally got my over payment sent back to me.

I'm POA for my mother. She is 97-year-old in a nursing home with dementia, and I want to cancel her credit card. I can't. I tried about a year ago, but the answer was NO. So, now I get a letter that her account has been dormant for 30 months and if she doesn't use it by March 31, 2026, it will be closed. So, think this will be easy. They are going to close it anyway. I will just call them and closes it now. Nope common sense isn't that common. If they have breech and my mother info gets out. I have to deal with that besides all the other stuff I have.

I want to caution everyone about using their Citi bank credit card for online purchases. I had a terrible experience where I was scammed out of $5,600 by an Indian store that sent me a cheap, base metal jewelry piece. Despite my efforts to dispute the transaction and providing all necessary documents, Citi bank sided with the seller. I had provided all the documents to support my dispute, including a jewelry report with test results that proved the metal was not silver but base metal.

Horrible customer service. Wish we did not have to use Government Travel Card through citibank. Reps are disrespectful and shows lack of warmth. They will tell one solution and won't care about any other concerns you might have. They are just there to answer the phone and provide minimal service. Oh, and they do not seem to care or respect military members. Very unfortunate that we have a contract with Citibank.

I actually would give a 0 if I could right now! I have been with this company since 08/22 and as soon as it’s time for a new card they CLOSED my account and said they want me to reapply for a new card instead of issuing a new card! What a joke! This is now going to hit my credit report for a closed credit card for absolutely no reason at all as I always paid my bill on time! And if I applied for a new card which I absolutely will not that would also hit as a hard inquiry! If this was a good business they would keep their good paying customers. Yes, it’s a credit card but I pay my bills.

Breach of contract and retaliation credit line decrease. On payments, balance always to zero at end of month, pay more than minimum do or pay off statement balance. Impossible to speak to someone who you can understand and way too Sensitive.

We sent a certified check for 8900 to their overnight address to payoff our card. UPS delivered the payment next day which is the service we paid for. Now 6 business days later no one can find the check.

As a new Citibank customer I was horrified by the poor customer service I received. There was a typo on my new AA Citi credit card, which was their error as I completed the online information correctly. I was on the phone for 35 minutes, was transferred 4 times, was asked to verify my information for security purposes only to have my account frozen and told they could not discuss anything with me. I was told I would receive a letter in 7-10 days. When I asked if this letter could be expedited, since it was their fault, I was told NO and was then hung up on! Needless to say, I will NOT be recommending Citi to anyone and plan to cancel my account. I now see WHY Citi has a 1.0-1.5 average for their customer service, or should I say lack of customer service. One word to describe my experience - UNBELIEVABLE!!!

Horrible customer service regarding the Costco Citibank card, citibank sent me my costco reward certificate 8 days before it expired and refused to submit another one. Total bs, canceling my card and costco membership.

Citi and American Express requires either $25 or $50 in order to redeem their cash reward. You would need to spend $2500 in order to earn the 5000 points, which is $50. I completely take them out of my choice for a long time. For the longest history of credit card history but other credit cards reward are much better.

I have been on hold for over 30 minutes. Citibank has an old phone number for us – it is unacceptable that I cannot update this contact information without being on hold for 30 minutes. I am on my account and can order a new card?? There is not a secondary way, say, an email address for me to confirm Or an email address for me to request the change. The ONLY option is an old phone number for you to text or call. Or for me to be on hold for 30 minutes – Options- an email, message option Or the phone system can call me back rather than leave me on hold. I have been using a different credit card at Costco – because they are easy to work with – While Citi is difficult.

On December 26, 2024 and January 1, 2025 I had fraud on my account. They credited me for one of the charges but refused to credit the second saying the case was closed. I called and emailed many times and they promised to correct the problem and didn’t. Finally after 2 months I received the second credit on the fraud. I proceeded to changing the auto pays on the account to another card and on 8/27/2025 called to cancel the card. They told me they couldn’t cancel the card that I needed to talk to a supervisor. I was told if I kept the card and made $1,000.00 in charges in 90 days they would credit me the $95.00 and give me thank you points. After much discussion I agreed. I spent more than double of the $1,000.00 and called on 11/24/2025 to find out why I didn’t receive the credit.

Wow, I just had a 42-minute call with four different people because our card was blocked for making a large purchase outside of the US. We proactively called Citi to advise them we would be making this purchase a week prior, but it was still blocked. It took three representatives, including the fraud department, and then finally a supervisor to remove the block. The process of repeating every detail to four different people shows you just how broken their process is. Very frustrating.

Terrible customer service, guy was a ** to me because of my account being charged by a merchant I already had a dispute with and they did nothing. Did not have my back they had the back of a rip-off Box Hero. I was forced into a subscription I did not want or ask for was charged for items and retailer wouldn’t let me return items instead of taking care of a customer of over 20 years they sided with the ripoff merchant Box Hero, I am done. Never deal with Citibank again. I cut up my card, these people suck.

I am a longtime Citicard customer who has had enough. If you ever have to communicate with them for any reason, you might have better luck trying to reach the ** nuclear facility at Fordow. It is absolutely impossible to navigate their wall of indifference. I am now a former customer and my issue that should have been easily resolved, goes unresolved.

The customer service reps have become terribly rude, and don't listen to what you say, misquote you -- VERY UNPLEASANT!! HEY CITIBANK -- EVER THOUGHT OF HIRING AN AMERICAN FOR A CHANGE????? I'd appreciate speaking to someone who I can understand!

Terrible on foreign transaction fees refund. We used the wrong card by accident in Germany and they refused to refund me $1.39. We’ve been a customer for 20 + years. Canceling the card. They have lost a long time customer.

For the people that are looking for a bank like Citibank do not go there because they like to put a blocks on your debit card and restrictions. On your bank account and they like to accused. People of fraud when the debit card is in my possession. So I'm telling people do not get citi bank at all because you will be accuse of something you didn't do.

Just opened a Citi card account. Got a message on online account telling me to call regarding possible fraud. So I did and a non-English speaking rep asked for men phone number and then sent me a text with code...you know the kind where it states in message Citi "will never call and ask for this code"(?) Well, that's just what this rep insisted I do; read him the secure texted code to him over the phone. The rep was impossible to understand and now I'm worried I just got scammed by Citi themselves? Wish I hadn't opened the account. Lots of other companies to work with.

I’ve had a terrible experience with Citi credit cards. They constantly overcharge customers with excessive and unnecessary fees, and it feels like they look for every possible way to add extra charges instead of helping their customers. What makes it worse is their poor customer service. Reaching a knowledgeable representative is difficult, and when you finally do, they are often unhelpful and dismissive. Issues are rarely resolved, and you’re left going in circles with no clear answers. I would not recommend Citi to anyone looking for a fair, transparent credit card company with reliable customer support. There are far better options out there that actually value their customers.

Update... It took almost 3 months and my reviews like this, but they finally actually looked at the charges. I have been refunded the extra charges ($290). I'm not sure if they will give back the points I earned. If I use the card again, I will be very cautious still.

I am not happy with my City Card experience. I am comparing this with my other cards, such as Discover. I can never log on in the City Card app without manually entering my password - no matter what options I use to log on. In a world of a million passwords, it is a real hindrance to recall the password each time I log in on my phone.

Don't waste your time filing a dispute. I documented the issue, sent copies of email where the merchant is unresponsive. Also provided a photo of the purchase that had partially failed days after delivery. The 10+ years I've had a visa card, I've only disputed a few charges, all of which were legitimate. I had to submit the information multiple times. Citibank is clearly more concerned about the merchants than their customers. As soon as I get my Costco rebate, I'm cancelling this POS card. I attempted "load" a copy of the documents, but their system where you add receipts won't accept it. If you're using this card for business do yourself a favor as get or use an "American Express" card, they stand behind their customers. A "1" star rating is too high.

Absolutely the worst customer service experience I've ever had with a bank. I have maintained a stellar credit history (low 800s) for many years. Applied for their new "Strata Elite" card. Heard nothing. Almost impossible to speak with a live representative. When calling, expect a record amount of prompts and you STILL may not get a customer service representative. They ask for your S.S.# innumerable times which I am loathe to give out over the phone. Finally someone told me that they sent out an IRS form via snail mail to verify my income (which I never received). NO FINANCIAL INSTITUTION HAS EVER ASKED THAT OF ME BEFORE FOR A FREAKING CREDIT CARD. It's not like I'm applying for a damn mortgage. I finally got a live (or AI?) representative who I told to cancel the application. NO CARD IS WORTH THIS BULLSHIT.

I have been a card holder since 1985. In the past years I have been disallowed the use of my card to purchase products at brick and mortar store and on-line. I have to call ahead of my purchase for pre-approval, but since I don't own a cell phone (personal reasons) getting such approval is excessive. My suggestion is to never purchase any products thru this corporation.

I have not received my card in the mail yet and am going on a trip this weekend that I wanted to use it for. The staff with customer service was rude, unhelpful, hung up on me twice, and left me on hold for over 20 minutes. So unprofessional, unhelpful, and I am downright pissed. Needless to say I will NOT be keeping my card with them and will never use this bank again. 0/10.

Citi Card suck! I was deceived in a purchase by a vendor and Citibank supposedly did an investigation inside with the vendor when it was obvious I was deceived in the purchase, but Citibank did not want to hear it and they made me responsible for the payment. I told them I will never use their card again however, I will not cancel it because it will affect my credit score, but do not buy or get a Citibank credit card. They suck! And they don’t look out for their customers, just the vendors!

I want to share my recent experience as a cautionary note. Before my account was due for the annual fee, I called Citi to cancel the card. Instead, I was persuaded to keep the account open and switch to a no-fee option a decision I now regret. Despite this agreement in early October 2025, Citi never removed the annual fee. They began charging late fees and interest, and soon their collections department started calling multiple times a day, which felt harassing. Each time I contacted Citi, on four separate occasions, I was told the fees would be reversed and that the process takes time. However, two months later, nothing has been resolved, and the collection calls continue. This experience highlights serious issues with Citi’s customer service and internal processes. Based on what I’ve encountered, I strongly advise avoiding Citi credit cards.

Citi's customer service is complete garbage. I am trying to redeem my reward points, but their website is not working properly. I have reported this to them multiple times and they are both unwilling to resolve the issues with their website. I explained to them that I am trying to redeem points to get a gift card as a Christmas gift. I have been going through this runaround with them for over a week. I tried contacting them by chat, but they couldn't do anything. They told me to call their customer service. I called their customer service. All they did was place me on hold for long periods of time and hang up on me multiple times. They are one of the worst companies I have ever dealt with. I am done with them.

I have tried to dispute a charge made through PayPal for a product that I never received. I have tried several times to dispute the amount charged to my Citi Credit card by calling the Customer Service of Citi and they have kept me on the phone up to 1 hour with no one coming to help. Even PayPal told me to take it up with my Credit Card Company! I had to Report the Card Stolen or lost to see if I could get a human being and no one picked up it was all automated. I want to have Citi put a stop on the charges coming from PayPal and can't do that. I am again waiting on the phone as I type this review. I have made the decision that Citi does not have my back.

Inadvertently paid my balance then a day later they drop my credit limit to something lower than I had when I opened the account. I hate this card and company! Why punish me for paying the balance?!? As soon as they got their payment my available limit should have been what I paid. This should be illegal!

I always have to wait at least 30 minutes to talk to a customer service employee. When I tell them the issue, they make me wait another 10 to 15 minutes and then tell me the system denied their request and there is nothing they can do. Worst customer service ever. I have other credit cards from Bank of America, Capital One, Goldman Sachs, Chase, Discover, and those banks value me as a customer.

I’m extremely disappointed with how Citibank handled my recent dispute. The merchant split one single charge into two different transactions, totaling $2,304.47. Citibank approved the dispute on the smaller portion, but refused to approve the second part — even though it was all part of the same original charge. I provided full documentation showing that this was one transaction, not two separate purchases, yet Citibank still denied the larger dispute without a clear explanation. Customer service gave inconsistent answers and didn’t seem to actually review the evidence. It feels like Citibank protected the merchant instead of their own customer. After this experience, I no longer trust their dispute process and would caution others to pay close attention to how their claims are handled.

Took forever to get a new card in the mail. I received it at the tail end of some Black Friday sales, but after using it in several online stores to try and earn points my card was blocked. A call to Citi fraud as requested was not helpful and I was informed I would have to wait for a letter in the mail in order to be verified. So maybe after Christmas the card I paid money for will be useable again. Ridiculous and frustrating.

Citi Credit card owner here. double cash. NEVER, ever, hold this card. To dispute a charge, I spent one hour on the phone with a person from India who had no clue. I thought it was a scam. After 1 hour, I hung up. I prefer to keep the disputed charge rather than to deal with them again.

If I could leave a zero, I would. I have paid off my balance and they continue to charge me interest. When I contacted them, they are unwilling to remove the additional charges stating "the charges can't be reversed". They will not escalate to a supervisor even when you request that to happen. How do you ever pay the balance if they keep charging even after you pay the balance in full? Use caution when using or signing up for this credit card. Consumer beware!

They suck. Been a customer a very long time 10 years plus. Always paid. Never had a complaint then I was scammed online and did a dispute. They would not refund my money because they could not find the merchant because it was a scam! I pay almost 200 a month in interest to them. They won't refund me 273. For this scam they were rude. They will pay, they will lose, I will get another card.

Citi Mastercard is unscrupulous and has nothing but disdain for its customers. Every customer, upon receipt of their monthly billing statement, should scrutinize charges for fraudulent merchants, and don't expect the Billing Dispute Dept. to be of service to you; they are totally incompetent.

I will never get another card from Citi! Cannot understand the customer service people. My limit went from $9,500 to $1,600 for no reason. All payments and everything were perfect. Credit in high 700's!

I cannot recommend this credit company. Despite being a loyal customer for over two decades with a substantial credit limit and a flawless payment history, a recent charge was declined without a clear explanation. Even after promptly confirming the legitimacy of the transaction via text and email, the charge remained declined. This necessitated contacting customer service, where I received unhelpful responses and no satisfactory reason for the decline. This situation is unacceptable, and I am extremely dissatisfied. I question why Citi does not proactively contact customers to resolve transaction concerns, as other credit card companies do. Should this issue recur, I will be compelled to close my account.

Be careful!!! I was scammed by who I think was someone within the company that stole over $5000.00 from my personal bank account and took over my Citi Credit card by changing my email, my user ID and password and my security word. All of the texts and emails I received were from the official Citi Card site. And every time I called the fraud department they brushed me off.

I closed another card with a high credit limit. Ever since then they have been lowering my Citi cards credit limit. I have never missed a payment or been late once. They probably don't. But it seems like they have it out for me personally! I'm closing one next month and the other 2 soon after. Citi is the absolute worst.

I am so had enough of this company. I've had my card probably for 20 years. It's my secondary card so I don't use it that much. I mostly use it to buy concert tickets which I've had so many problems over the last few years it not accepting the Citi card at Ticketmaster or buying tickets. Finally the last straw, I received a notice through text that my card was being canceled for inactivity. No email, no snail mail, no nothing. I called to see if I could get it turned back on and they want me to reapply for another card. 20-year customer. Hello Amex.

19-year customer. Excellent credit. Always paid on time. Starting 2025, repeated late fee claims. Outgoing bank payment always on time. Customer service impossible to reach. All automatized. Processing issue on their side despite payment 5-days ahead.

IT IS VERY HARD FOR ME TO GIVE CITI C.C. EVEN ONE STAR REVIEW!!!! I have had credit cards all my life with credit score in the 800! Having CITI credit card they ruined my credit score that I built over the years!! They have a bunch of ** running their customer service department. ONE FINDS IT IMPOSSIBLE TO MAKE SENSE WHEN CALLING!! They ALL are a bunch of ignorant people running the credit department!! Total Horror.

I never received my new card so they sent me a replacement card, but now the app won’t let me activate the card because they are looking for the card I never received. They claim they cannot verify my identity using my phone number and pin, so now. Have to wait for a letter. Meanwhile, I transferred a balance that I cannot undo or pay on. I could barely understand the foreign voice as well.

The worst and uncaring customer service. Managers do not seem to care about retaining good paying customers. I was given ‘misinformation’ regarding the citibank ‘perk’ of no penalty for missing a payment. The reason for missing a payment is due to representative(s) refusing to connect me to automated payment service, in order to offer me unsolicited promotions. Everything was recorded and after an hour or better of being bounced around and speaking to 2 managers… resulting in my credit limit being reduced. What a joke! Never had a late payment in 7yrs!! A blessing in disguise since their interest rate is the highest card in my wallet! Good riddance.

Make sure you pay off your credit cards with Citi or else they'll file a court ordered judgment against you 15 years after the account was closed. I had a joint account with my now deceased father, who got himself in to serious debt with Citibank. I work hard in healthcare helping doctors diagnose while saving lives, I'm the only one supporting my family and now I need to pay these morons. Money hungry scum is what Citibank is.

I came here for a 0 percent card that was promoted as 18 — not at all true, only for balance transfer, I put my vacation on there and well now I’m paying 27 percent interest on a card that was 0 percent 18 months *** their fine print is really rough ***. They are designed to hurt credit not build. Every month they let the same companies do fraud charges. and never replace my card :/.

Absolutely terrible customer service! Every time you call they answer from a different part of the world and seems they have received no technical training to address any issues. The only thing they have been told is to apologize but have no idea how to fix any issues. You can hear them typing your question to google the answer. They closed my account for a double payment not recognized by their system. Absolutely embarrassing! And to add insult to injury, every time I talk to their offshore call center, they ask me to verify my mobile number and a few days later I start receiving text messages on my mobile phone to pay some kind of ticket or fine for unpaid fines or taxes. They are obviously scams! Negative across the board! The Costco card has nothing to do with Costco. It is a Citi card branded Costco, so you get the same terrible customer service!

Citibank has to be one of the worst when it comes to customer service their customer service people just want to to be talked to nicely so when you have a problem or you’re upset, they don’t even try to calm you down or help you. All they wanna do is say, "OK this is your first warning. OK this is your second warning. OK, I’m going to hang up now." That is not how Customer service should be done especially from a major credit card company like this. You need to train your people better to be a little more sympathetic when it comes to people calling.

Don't do it!!! I had a 13k credit line. Was never late and made an $11k payment. They then reduced my credit limit to $500. They will screw you over in a minute. Don't do it. Trust me, I have heard of them hurting many people by doing this. My score took a huge hit.

I received a message to call Citi Card to verify charges on my account. It took over 15 minutes to verify my identity and sent a code to my text. Even after telling them the code, they still needed more identification. I asked to talk to a supervisor. They came back and said that the supervisors weren’t available. How difficult can it be to verify that I am the person on the account I’ve tried this several times and with the same outcome. I do not plan to make any more purchases on this credit card even though I have a $3100 credit limit I will just cancel the card. I would have liked to talk to a supervisor, but it seems like this is a scam. They even asked me for my 16 digit debit card number which I did not give.

Close your card now. They charged me for a credit card I never received or used. There been fraud and they do nothing about it. Just send me the bill every month and said I owe this card. Been dealing with this for 7 months. Can not resolve this fraud issue. Close your cards before it happens to you. Also lowered my perfect credit score.

I've never experienced such horrible customer service with anything except my old cable company and now Citi card credit card services. There was fraud on my account and I spent months going over the details of the charges with a different representative every time. When I requested to speak to a supervisor I was told I didn't need one and always taken care of - multiple times. Unfortunately it really wasn't taken care of. This is the worst customer service of any of my credit cards. I wouldn't recommend them to anyone.

I've worked with many call centers around the World (lived in the Philippines even), but have never experienced such poor customer service. We have several businesses, all using the Citibank Business credit cards. Typically, I wouldn't take the time to write a review, but after 10 different calls over two days, just to get transferred to another wrong person, I've had it.

Citibank reduced my credit limit from 4,000 to 400.00 for no reason and get online to talk to reps and supervisor, they only can tell me what I see online is the balance, but no excuse then blame my credit reporting bureau for saying delinquent accounts when actually all my accounts are paid. So it’s no excuse, I won’t be dealing with Citi finance credit cards ever again and management was very unprofessional.

I’ve been trying to close my account, AAdvantage card, for a long time, but the company keeps making it nearly impossible. The cancellation process is exhausting—endless phone transfers, aggressive retention offers, and unnecessary explanations designed to wear you down. After spending over an hour to finally cancel, I later received another bill, realizing my account had never actually been closed. Now I’m getting repeated calls during business hours about a $1.75 balance, meaning I’ll have to go through that same frustrating process again. I genuinely feel trapped as a customer.

Just wanted to change my office (mailing/billing) address after recent move. Online says I need to call for an identification code. I call, a guy with an accent I can't understand says he can't help me because my phone provider has changed recently. (I went from landline from CenturyLink to cell with AT&T.) Same number I have had for 45 years. Offers to take the information over the phone, but really I can't understand what he is saying. So I call back using my home number, which they have in the system also. This guy's accent is not so bad. Each time they verify me by asking for my best friend's last name. Well, OK, he died nine years ago but the first time, voice recognition works, the second and third time it doesn't. So second call, they still refuse to give me an ID code so I can do this online and don't have to share with foreign rep.

We have used Citi Bank a number times always small problem's. But fixable. This time a big problem. WE went to Fairbanks AK on vacation. Rented a car through Expedia' Big MISTAKE!. Told us we had a vehicle. This was for Aug 30th, 2025. That night text from the rental car company advised up thay do not have a car available for this date. The next day we took a taxi to the Airport and rented a vehicle from Alamo car rental. All good. Then when I got my credit card from Citi Bank. Expedia also billed us. No help from Expedia. They do not like giving money back no matter right or wrong. Will never use Expedia again. Filed dispute with Citi Bank. After a few month's Citi Bank came back in favor of Expedia. I do not know why. They make more money with the big guys then me? I have not got the letter from Citi Bank of Expedia's response. I think Citi Bank just flipped a coin and I was was tails.

We’ve had a Citibank credit card since joining Costco. Filed our first dispute through them in September. Initially promised a refund from Priceline for an international flight cancelled because of the Air Canada strike. But then Priceline reneged so we contacted Citi’s dispute department. We had good documentation sure, but still sweating it since we’re the little guys and there was a lot of money involved. Found out this morning we won! Citi credited us the full amount. You see a lot of reviews when things go south. Here’s one with a happy ending thanks to Citibank.

Tried to put a $25.17 charge in dispute, was told that I could not and I would be charge a late fee if my payment in the full amount was not received by due date. Needless to say, I sent the funds, and closed my account. Would not recommend Citibank to my worst enemy.

Costco Citi constantly gets declined for airline tickets, even though it’s designed to be a travel card. New AA card received my first monthly payment-the $ is gone from my bank account- but claims they can’t let me use the card for a week to make sure the funds are available. It’s hard to spend the $ to get the bonus miles when they won’t let you use the card. Customer service acknowledges they have received payment but won’t unlock the account.

I recently paid off the balance on my card and closed my account. A few weeks later I get an email saying I am late paying and I missed a payment. I called Citi and they said I owed for a payment that was on a new statement after my card closed. I’ve never missed a payment and this better not end up on my credit report as missing a payment. When I logged into citi, there was no option to pay. The account was totally gone. I asked the citi customer representative why I never received anything in the mail Saying that I owed another payment and she said because I am on paperless billing. So now I guess I will just wait and see if this negatively impacts my credit.

I’m extremely frustrated with Citi and their handling of a simple dispute. I was overcharged by a vendor and did everything by the book — submitted documentation, proof of the incorrect charge, and followed up multiple times. Despite all the evidence, Citi refused to support my dispute or credit my account. What’s the point of having a credit card with “fraud protection” and “purchase protection” if they side with the merchant every time? It feels like they don’t actually care about their customers or even take the time to review disputes properly.

It is the worst customer services, Costco sent the refund for an item for the amount of $533.12 and was cleared from the bank but Citibank claimed that they never received the money... More than a month now with NO money in my account.

Here’s my story. My mom is 100 years old and got a letter from Citi about her points. She is hard of hearing, has no internet, etc. We called and answered all of the agent’s questions but she told us to call 711… hahaha. They have horrible customer service. We were not able to access her points. I am going to close my accounts based on this experience and I encourage all who read this to do the same.

Someone applied for this card in my name. When the hard inquiry hit my credit I called immediately and told them it was fraud. They issued anyways causing a 3 month fight to resolve! I want to sue and will be as soon as I find a lawyer! Horrible customer service that you can't understand and completely rude even though it was their mess up.

I've been a customer of Costco since 2007. They decided to partner with Citibank as their preferred banking institution. So, I joined Citibank, with my 820 credit score I've had for 20 years, to make sure that I received the maximum benefits offered by shopping at Costco. Around 2 years ago I ran into a dispute with a student loan company that I consigned for. My credit score slowly got reduced due to this. I completely understood Citibank's 1st move to reduce my credit line from 20k to just above my balance at around 9k.

I have the executive elite MC. I opened it for travel and admirals club. When planning my trip to Italy, everything I tried to buy online e got flagged for fraud. Train, tours, hotels, etc. each time I’d spend 30 mins on phone with fraud dept. the card has a mega low credit limit. It’s useless I have to pay it some times weekly to use it. I have exceptional credit, great income and zero dept. no one at Citi cares to help. It’s always that department doesn’t speak with consumers, it’s a proprietary algorithm and formula that determines credit limit. You can get any answers or help. Just wait 6 months and do another hard credit check. All my other cards have $15k-$30k. This one for travel has $5k. Really sorry I opened it.

This company is a complete joke. Just opened a Citi Bank checking account and already having issues. Their fraud system keeps flagging my real phone number as not mine, blocking me from verifying my account. Frustrating and disappointing start for a new customer, expected better security and support! Since they couldn't verify 3 phone numbers of mine and my kids, now I have to wait for a letter, lawsuit needs to happen soon. All I wanted to do was add my debit card. I just got in the mail, changed my pin number and tried to add my card to Samsung wallet.

Took a vacation to Europe, called Citi ahead of time to let them know, card was declined ten times in four days because of suspected fraud alert .. had to call every time and spend fifteen minutes on the phone to get card reactivated only for it to happen again .. customer service was of zero help with one giving me attitude… Advice if you're traveling bring another card.

I had a recent call experience with Citi regarding reconsideration of my application for a Citi card. I’d like to file a formal complaint and request for open record of this call or transcription of the call. As a consumer I have repeatedly been declined credit with Citibank. I contacted the cs office to walk me through the process. The response was extremely insightful; however the standards described to me warrant a lack of transparency and consistency in customer screenings, negligent use of consumer credit information, and risk for potential customer bias and discriminatory practices.

Absolute joke of a credit card company. I have cards through Chase, WF, US Bank, and Morgan Stanley. I applied for a balance transfer card, and over the course of the last 12 days have gone through the ringer/hoops just to get verified. After a host of calls with support, they finally told me they need to send me a letter that will have a reference number--and they are sending it snail mail at 7-10 business days. Robots and AI are about to rule the world and you're telling me you need to send a hard copy letter to verify an account?? Will never do business with this company again.

The worst card possible in the history of worst cards. I always paid my cc balance in full and my available credit always becomes available only in 3 weeks. What a joke 😂😂😂😂 Ban Citi credit cards!! I am closing mine 🙏🙏🙏

I am filing this complaint due to unfair and unethical treatment by Citibank regarding my credit card account. I have been a Citi customer for over five years with an excellent payment history. My original credit limit was $11,000, and despite falling on hard times, I never made a late payment or exceeded my limit. As I began paying down my balance, often making payments of several thousand dollars at a time Citi began lowering my credit limit. By the time I paid my balance down to zero, my limit had been reduced to $720. This action caused my credit utilization ratio to spike temporarily, resulting in a negative impact on my credit score. When I contacted customer service to dispute or understand the reasoning, I was told repeatedly that the decision was made by their “automated system.” Even after requesting to speak with a supervisor, I received the same scripted response and no resolution.

The worst possible customer service. I can't believe they even have any business. You are supposed to keep customers around and not scare them off for life. They are rude to anyone no matter rich or poor. Done.

I opened this Citi Card for the balance transfer offer of 0% for 18 months. I made a $2000 purchase the very next month then sent a payment of $2400 a few days later to pay for the purchase. Citi Bank took my payment and applied it to the 0% interest bearing balance instead of my purchase balance. They proceeded to charge me interest on that $2000 purchase. I called Citi to get a reason for the interest charged to me and was told that is just how they do things there?? I will never open another account with Citi Bank if that's how they will do business.

Trying to reset my password, and the app is saying my information is incorrect. No, it is correct! Something is WRONG on the app! Then I called and they said my account was flagged for FRAUD and I have to wait to receive a letter in the mail with a security pin. It’s been almost 2 weeks and no letter. I cannot access my banking because of their issues!

I’m not sure what happened with Citi but their customer service is terrible. The reps are as kind as they can be but the service is nonexistent. It’s been over a month & I am unable to access online banking consistently. I logged in a couple of times and then blocked access again. Customer service reps sounds like a broken record with no help whatsoever. It’s super frustrating because I am unable to access any service or credit. I never had this issue in the past. I waited a few weeks to re access the mobile app as instructed and still blocked.

Citi Bank Absolutely terrible customer service! The staff are unhelpful, rude, and seem completely uninterested in assisting customers. Every time I contact them, it feels like I’m bothering them just by asking simple questions. They never follow up, and getting any issue resolved takes forever. This bank seriously needs to train its employees on how to treat customers with respect and professionalism. I wouldn’t recommend this bank to anyone.

After 15 + years called to payoff my balance and 11 days later $120.00 in interest payments on a 0 balance .My recommendation is to not apply for any kind of Citi Bank card whatsoever... I even called for a payoff??? CROOKS!!