Citi Credit Cards Reviews

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!!

I have had 2 credit cards with Citi cards, one is Citi custom cash and Costco anywhere credit card. I have a problem with the custom cash card. I called the customer service. I stayed more than 45 minutes within eventually they send the card to another state. When I get situated, the lady on the customer service cancelled the Costco anywhere card and reported as lost. I don’t know why she did that, have never mentioned that I have a problem with this card, now I have to problem with the 2 cards. I spent almost one hour today in the afternoon to fix the problem that lady caused, and now in the evening I see an email saying I have to confirm the in Illinois, and I live in Massachusetts. As soon as I get this situated, I will cancel the 2 credit cards immediately.

When I first started with my Citi bank Credit card, it was my best card, by far. I was one day late on the payment and they became my worst nightmare ever since. I had a very high credit limit, and they dropped my limit to what I owe and when I get a thousand ahead they simply drop my limit to my balance again. They have destroyed my credit, caused my 9 other cards to drop their limits, cost me the house I was going to buy and now I can not just walk into any car dealer and drive out. They change the due dates and then call me saying I was late again. They are THE Nightmare on Elm street. Freddy is their Bank president.

Horrible bank to have a card with. Cancel asap. They charged my card with 3,000.00 on a balance transfer I did not make. They insist I owe this money. I do not. My credit score dropped 100 points. I had perfect credit. They reported it the credit bureau I owe this money. Can not deal with this customer service. Can not understand them. They do not speak good english. Just a terrible experience.

Horrible customer service. Made a payment at 11:12pm, and they must be on eastern time because was considered late. Called and asked about what time zone, they wouldn't answer my question and wouldn't reverse the $30 late fee. So unwilling to work with customers. I'll use my Discover card where I get much better customer service!

After 25 years at no fault of my own, this Citi Cards company is absolutely the worst customer service I've ever experienced. Can not get thru and speak to a professional. I don't recommend or suggest anyone use this company.

Horrible! We have an income of nearly 200K, no debt, always pay the full balance for all our bills, and no mortgage. Citi's AI lowered our credit limit and now won't reconsider for 6 months. I told the human agent to get me a "manager" or "banker." The "manager" said she had no ability to overturn "Citi's" decision. I told her that made no sense, and with such a low credit limit, I can't buy all of the Costco and other items I would to get the Citi and Costco rebates... It seemed from her tone, that was the whole point. COSTCO—dump Citi and go back to Chase or another decent bank. Look at the thousands of bad reviews and wise up! Citi may be bad, but Costco usually looks out for customers, which is why I have had a Business membership ever since you bought Price Club, around 30 years ago.

Due to an error between my bank and Citi, my new account number was not transferred, and Citi was using the incorrect old number. Unfortunately, the account was not getting paid. When this became known, the balance was paid in full. Citi still canceled the card. Many attempts to reinstate the card failed. Years of paying on time and the full balance every month meant nothing to this company. I applied to another credit card company and was approved immediately with a $ 35,000 limit.

Very disappointing customer service. I keep getting disconnected anytime I contact them because it goes to a different country than they try to switch me to US and cut me off. Keep getting fraud alert on the Citi mobile app and it never goes away.

This is easily the WORST CREDIT CARD EVER. Get a Chase Sapphire Reserve, Capital One Venture, Amex Platinum... ANYTHING but this card. It is worthless. My wife and I both applied and received the card last week. After a few local purchases for restaurants, groceries (doesn't work at Costco), we decided to book our upcoming Hawaiian vacation and make use of our travel credits. WRONG!

According to Citi, if you file a dispute on a fraudulent charge, you are simply asking for more information -- not actually disputing it. The chargeback evidence had a different name, address, phone, etc., but they said it was valid. It took me an hour on the phone with three different eastern ** who spoke very bad English to get them to understand that the charge was fraud. Even now, I don't know that it is taken care of. I only have their word and I don't trust it.

If I could give zero stars I would. I tried to call to make a payment but couldn't because of a "system update" and was told to call back in 24 hours. I called back after 24 hours, got a different person each time that read a script saying that they are in yet another system update and to call back in 1 to 2 hours, and then they just hang up on you without the opportunity to ask anything about your card and/or payment! HORRENDOUS customer service! We have had a card for over 20 years, never again...

I have two Citi cards, one is a regular Citi card, the other is a Home Depot card. They told me to apply for a bank account to get a bonus so I did that. I never set up direct deposit and lost the fifty dollars I deposited. Waste of money. Hope they enjoy the fifty bucks as apparently they need it more than I do.

They are very misleading about the value of rewards points. 2 points = only $0.005 when redeeming for cashback or a statement credit. The suggestion when I signed up for the card was that I would get $300 back. Dark Patterns… unacceptable!

Very incompetent staff who puts everything to system. No use of reaching their helpline honestly. Wasted a lot of my time with eventually putting everything on system that it's not letting them change.

I have a Costco membership and opened a City Costco Credit Bank account. I was very happy and considered Citi the best bank. I tried to pay off my debts and immediately paid a large amount, and they cut off my credit limit! For what? Because I paid them a large amount? Instead of raising my limit, they lowered it without even warning me. So, they do whatever they want and don't warn their "favorite" clients. The worst bank ever.

Applied for a Citi Credit Card earlier via Costco. Wasn’t a pleasant experience, They should mention what is acceptable FICO score for people under 700. Waste of time. Only reason I initiated this crap was Costco membership. They did hard inquiry on my credit report. I hate that.

After losing my card on 8/28/25 I called to request a new card. I was told to call back the next day to get a replacement card for the other person on the account. When I called back to check the mailing date of the cards I was told they were mailed on 8/29 and 8/30. I was told to give the delivery 4-5 work days. I called to tell Citi they sent me TWO cards that should have gone to another address & neither card was in MY name. I was told cards had been issues on 9/2/25 and should be received shortly. When they didn't come I called back & was told my card was really issued on 9/9/25. I was told the new card would be in my mail 10 days later - around 9/17/25.

I have had a dispute since July with Citi card. They have never reached out via phone and what I have received in letters have been vague and poor communication. Many times when I called to speak with dispute center I was I was not allowed to speak with anyone there. It took 3 phone calls to get to someone to send me to the dispute center. They then explained how I can send in information regarding my dispute after they had already closed without any instructions that I could send in more info. I did more legwork on my own dispute than they did.

Worst credit card company out there. If you have a problem, you will get zero support. Made a pre-purchase on a coffee maker and the company never delivered on the promise to deliver the product. Most customers are getting successful chargebacks against the company for the full $712.60. Not Citibank, they refuse to answer dispute messages and emails. They gave me a random $80 back with no explanation on that amount. Many more emails/messages/calls and nobody can explain to me why I only got $80 back. Worthless company and will be canceling all my Citibank credit cards and just use my Chase Credit cards since they care about keeping their customers!

Completely impossible to talk to anybody for help. There's no email. There is no texting. There is no chat and certainly there's no phone call. Are these people for real? What an illogical cumbersome sign up for a card process. I still don't know if I have or not even though they say I have, but they won't recognize me on a level and unless you have something they recognize you cannot be helped as stated above. WHAT?

This card is a scam. I signed up for a balance transfer that never occurred until I tried to cancel the card, then the transfer was pending for over 10 days. I have talked to at least 6 representatives who I cannot understand because they do not speak English nor understand English very well. I am trying to close my account but they are asking me to sign an agreement to close the account. There is no agreement needed to close an account. This company is fraudulent.

Over 60 yrs old. So I paid a roofer with my Citi card "just in case" since our house was damaged by hurricane Milton. Good thing because they never finished the job - or so I thought since I thought Citi would protect us. WRONG. Their dispute department is horrible. They ask for dispute information, you email it to them, and they don't even read what you submitted. We submitted documents and made numerous phone calls for a dispute over a 4-month period and finally gave up and canceled our two cards. Even provided phone numbers to the county so they could verify. But they never called the county, they even told us they couldn't get in touch with the roofer so even they knew we were scammed. Citi didn't care and we never got our money back.

I'm 67 years old and Citibank is by far the worst company I've ever dealt with. Their customer service and overall integrity is by far the worst I've ever seen. There are some many other credit cards on the market with much better customer service. Run from this company. There is a reason they have a one star review.

The Citibank credit card service is terrible, especially their dispute department. They ask for dispute information, you email it to them, and they don't even read what you submitted. We submitted documents and made numerous phone calls for a simple dispute over a 4-month period and finally gave up and canceled our two cards. We never got our cash back. Other credit card companies work with their clients on disputes and scams, unlike Citibank. Costco, cancel your Citibank contract; until then, we will go with another credit card that supports their clients.

They are absolutely awful! I’ve never experienced such horrific customer service in my life! Back in July they applied another customer’s payment to my account. They finally reversed the payment, but they did it TWICE! Now due to their error, my balance shows that I owe them thousands of dollars which I do not owe. Every time I call them, they give me the runaround or just flat-out lie to me. It’s very, very aggravating. Zero-star service!

I had been FORCED to use Citi-Bank by applying for credit cards for the Home Depot and subsequently Costco. As if the experience with the Home Depot Citi-Bank card wasn't so incredibly aggravating and frustrating, I should have known it would be no different when Costco forced us upon this ridiculous entity! I have not only stopped using my Home Depot card(s), but because the Home Depot has become so unethical and selling nothing but JUNK TOOLS who's manufacturers won't take responsibility for I WILL NOT shop there any longer. Tractor Supply Company and ACE Hardware are SO MUCH better options. Citi-Bank's credit card with the Home Depot was just the underscore in my decision to discontinue BOTH.

Citi card has gone downhill. I returned merchandise and provided proof of the return and Citi Card dispute center contacted the merchant and the merchant refused to provide credit and Citi closed the dispute and will not help me. I have spent nearly a year dealing with this situation. What is the point of using a credit card if the company won't stand behind their own customers?!?! I am closing this account and using only cards that have US based support and the willingness to support their customers. I would advise others to not use Citi Card. They do not support their customers.

Closed my account in Early June. Sometime in August when my account was already closed for several weeks they allowed an unauthorized charge from Hughesnet for 295. When I talked to the fraud department, they said that shouldn't have been charged but it was and they said I had to dispute it, which sounded crazy as the account was closed about 2 months. Citibank still has not taken the charge off. I consider this fraud by citibank and of course won't pay it. Seems not much I can do about it other then writing to the credit bureaus and explain why I didn't pay this scam charge by citibank.

My bank locked my account because someone tried opening a credit in my name. In doing so all my auto payments did not happen. Out of 3 credit cards, Citi was the only one that charged me the fee and would not reimburse it, so I cancelled the Citi credit card and will use one of the two others that did work with me as a customer.

I’m an elderly woman and earned over 22,000 travel points on my Citi Cash Back Card and booked a hotel room through the app on Citi Travel. Since I was new to booking through the app, I made an error on the dates (as I used all I my points to book a room). I redeemed my points and immediately noticed the error and called Citi Travel and they stated that I had a 24 hour window to cancel and rebook without penalty. I needed to reschedule the trip for several days into the following week and my initial booking was canceled by Citi Travel and confirmed via email. Citi Travel said to rebook on the app but my points showed 0 balance and the charge remained on my card.

I can not believe how terrible Citi bank is. I had a card with them and my information was compromised. They allowed someone to change my address, phone number, and email address. How does this happen? The people got cash advances, checks and charges. Was never notified. Then when I called customer service for the fraud the customer support person could have given a crap about what happened. This is the worst company and credit card I have ever dealt with. Stay away from this company. Don’t use their cards. Worst customer service and not safe.

Quite simply, stay away from this bank! I have had 4 different Citibank cards from Costco, American Airlines and Citi Custom Cash and now, Citi Diamond Preferred. Long story short, I have had nothing but issues with customer service, bait and switch credit offers and incomprehensible defense of their policies when talking to customer service. The last has caused me to close all 4 accounts. We used one of their offers to borrow 14K for 12 months 0% interest. We paid it off in a few months. We later grabbed an 18 month offer, were approved... but never got the money (6K). They never contacted us but lied that they called. We showed them our call log. Turns out they did not approve the loan because of a late payment... get this... that they had already reinstated as their mistake... but now my offer was gone... so I am over it! Well, congratulations Citi... you just lost a great customer and 4 credit cards that will never be used again.

Terrible. They offered a promotional 0% APR for a year on balance transfers but it was only a gimmick to get me to get another Citi credit card. Customer service is beyond horrible. You could hardy understand them and they have no solutions to your problem. Also, they can’t verify one way or another if it is really you they have on the phone. They’ll ask you the same security questions and they don’t have voice recognition nor will they send a code to your phone or email. Bunch of incompetents.

Worst credit card to get. They offer home depot cards. Example they give you a limit of 1500. If you apply for anything that hits your credit they lower your credit limit even if you pay on time so your credit takes a double hit from them - first applying for their card then another hit when they lower credit limit. Stay away from this card. Get capital one.

Reduced my credit limit with no explanation. I’ve had 2 accounts with them. Never been late on either one but they refused to let me speak to anyone about why they decreased my limit on BOTH CARDS. NEVER EVER LATE.

I lost my credit card weeks ago. I immediately messaged and called reps to lock it and send out a new one since you’re not able to do any of that on your own within the app. These representatives do NOTHING. After being told my card was being sent out 3 weeks later, I am finding out that not only was my card never mailed out, my old one was never locked. The same representatives tease questions because they don’t read your messages. After waiting 18 minutes and then 10 minutes of useless help, the woman told me, “I’m nearing the end of my shift. Would you like to speak with another representative?” Luckily, I took a screenshot because after that, our thread only consisted of my messages. All of hers were deleted. This place is a scam. I’ve never dealt with such unprofessional, useless people.

I was scammed and disputed when charge was pending. I called numerous times and customer service is horrendous. The connection is terrible, they barely speak English, and they don’t know what they are doing. My issue did not get resolved and they let the disputed fraudulent charge go onto my statement and told me. I had to pay it BEFORE they even investigated it. They also took away all 12,000 + of my thank you points too. I now hate Citi cards and will find a company that doesn’t outsource to people who can’t do customer service. All so the CEO can make more millions, I suppose.

This is the worst bank I have ever dealt with. I went there and asked about their offers for 0% interest rate. The front desk lady told me: "Sure, you have 18 months with 0% interest." I moved forward, but then suddenly I started getting charged 28% interest. When I asked about it, they said: "Yes, that’s only on balance transfers, not on purchases." I am really shocked with this trick, and I can do nothing!

I will never use anything from Citi ever again. I have perfect credit and never a late payment and they drop me for no reason or warning. They started me with a 20k + limit then a month later drop it to 4k then several years later just drop the card for no reason. My payment history is flawless and this is the card I would use for Costco. It's my smallest credit card and they pull that garbage. The big banks are not cards you can count on, always use the credit unions. Nothing I hate more than running a card and having it denied when you pay your bills perfectly.

I loved my Costco Citi Visa card, until…My bank refused 2 scheduled automatic payment after YEARS. This was due to a change in the bank’s system. Despite the automatic payments not going through, I still was able to schedule payments and Citibank always receive their payment in time and in full. I was able to work with the bank to see why this was happening. Citibank, in the meantime, decided to cancel me right before our $600+ rebate was to be issued. I fought it, but they refused me, stating they can revoke me at anytime. We have been with them since they first paired with Costco years ago. What a bunch of crooks!

I have had Citi for over 15 years. I had no issues with them in the beginning. But the last few years, customer service is horrible. They give fake names. Can never talk to the same person. It sounds like they are reading off a script because they keep repeating them selves. The percentage rate skyrocketed. Now I did a credit card consolidation and another company sent them a payoff check. They have had it since July 21st. They have not cashed it. They say they can not locate it. They signed for it with Fed Ex. So I ask them to sign a Declaration of Loss so I can get the check reissued. They say they can not do that because they don't have the capability. What business says that. I told them to either cash the check or sign the form & send it back if they can not email. To date, I received nothing. It's almost a month and now my credit is taking a hit because it looks like I have extra credit open. Horrible company. I reported them to the BBB.

Called Citi reconsideration line regarding my Strata Elite application. The first person I spoke to was very friendly and helpful but was unable to help me. Asked to speak with a supervisor. She was utterly useless. She wanted to get rid of me as soon as possible. Didn't even bother to talk to me or do any more research.. Said it's all the credit bureau's fault.

I've done plenty of balance transfers with cards to the point my credit score is in the 700s. Citi cards ARE VERY SLOW!!! They'll charge the account but the money hasn't been sent for weeks. I decided to give them a try because of the low APR but I'm honestly regretting that decision because I don't think the transfer is happening. AVOID CITI AT ALL COST!!!

I just added an authorized user to my active account, but activate/customer service phone number never recognized my account. I couldn’t speak to any humans to solve this problem and finally after 40 minutes try, I was supposed to be transferred to a tech support but it was disconnected from them. I experienced this on purpose disconnection at least twice in a day and I still don’t have the answer. Citi’s phone number and automated service is not reliable and they basically has no customer service. I used to be able to speak to someone quickly but now they are ignoring their long time customer’s needs. I wouldn’t give them even 1 star if there is an option.

This has been the worst nightmare. A $100 charge that I didn’t make and now it almost $200 with interest, my score went from excellent to fair. I was able to get live agent and said they had ruled in my favor, but still the issue has not been solved. When I call it always that stupid virtual service and almost impossible to get a live person. Hate this bank.

I have always trusted Citi cards for my transactions. They have always detected fraudulent transactions and acted immediately with the least trouble. I have enjoyed the reward points! The CSRs are professional and efficient. Thank you Citi Cards.

If you have a credit card with Citicards DO NOT open a Loan. Once the loan is paid off they will close out your online banking as well. Which they do not advise and have made me late on my credit card. Our System is Experiencing Temporary Delays. Please Try Again Later. Never did it state that the online account is closed. Now they cannot correct and open it back. Solution is to open a new online account.

The worst credit card experience! 25 years with Citibank and they made an error and allowed an unauthorized charge. Getting them to reverse the charge has taken 3 months and counting. I have sent documentation to back up my claims via chats, phone calls, certified mail and emails. They turned an easy fix into a debacle. I have since closed my account and hope they finally take responsibility and do the right thing.

Do yourself a favor and AVOID Citibank Credit Cards! They will deny legitimate fraud disputes. I always trusted Citibank until I needed help with a ONE SINGLE small disputed charge and let me tell you, THEY DON’T CARE!! I made them aware that I received counterfeit trademarked goods that were not as described. I emailed merchant in good faith with no response. Logically, I asked Citi for help through a credit card dispute- only to be denied. Terrible customer service! I later attempted to use online chat to further discuss and that experience was abysmal. Shame on you Citibank! There are plenty of credit cards out there- choose wisely and DON’T CHOOSE CITIBANK!

As an attorney, I value my time. It is quite clear that Citi does not. When a dispute arose with a merchant over a $3,850 charge, I had to contact Citi team members repeatedly to explain the issue. They failed to take corrective action for weeks. When I followed up, they asked me to supply yet more information, all of which was provided immediately. Weeks later, I received a letter in the mail stating that they could not take any action because too much time had elapsed. Outrageous! If Citi wants to use their own 2-month delay as an excuse, they can go fly a kite. I closed the account, and my firm will never do business with Citi again.

Customer service is terrible. When you do get a live person, they know nothing and cannot follow through resending a letter sent to me months ago, supposedly, cancelling my card even though I was never once late on a payment over at least 5 years. Totally bot, automated, cold as ice outfit. I would recommend finding a different credit card company.

We had our Citibank Dividend card since 1985 - yes you read that right - 1985. We had our Citibank Advantage since 2001. NEVER a late payment. Never over the limit. Please believe me when I say one month we got NO statement in the mail on either account. I didn't catch it in time on the Advantage card and nearly had a heart attack when I got the email saying we were late by 2 days. I immediately made the payment online and and paid the next month's payment at the same time. I set both cards up for autopay in case this happens again but it has never happened in 40 years on the one card, 24 on the other. Right after that I got an ugly email stating that our cc limits were nearly cut in half BECAUSE OF ONE LATE PAYMENT IN 40 YEARS!

On the phone with them now, I sent them a $42000.00 check, because I knew I was gonna of a lot of charges in the near future, check was rec. Pulled from my bank, they talked to my bank with me on phone, confirmed they had my money. Eddie, team#**, I presented the case that I was dying in another country, and need some money to get out. HE SAID HE COULD DO NOTHING!!! Very not ok, with that, they have my money and can't open my card up for use!! I spend millions with them every year!!!

I had to go out of town for my baby brother's funeral and used my Citi Card for airline tickets, expenses etc. I just got an email saying they were lowering my available credit. They cut my credit line in half for using the card that had a zero balance on it. I am never late on payments and pay off credit cards as quickly as I can --- Imagine the punch in the gut to come back from my little brother's funeral to receive this email news - These people are straight up evil for that move. Cutting my Citi Cards up and never using them again.

We don't get mail service at our home yet Citi insists on mailing new card to our physical address. Beyond dumb. Why in the h.. would you mail something to an address that does not get mail? I had to call and spend 15 minutes wasting my time with their rep who wouldn't listen to me. He even had the gall to blame me! The biggest enemy of corporate America? Themselves.

I hadn’t received my usual monthly statement so I called to request it as I needed the documentation for a HELOC. Was told no problem I’d see it within 24 hours. Two days later I get an email stating my account was closed which then negatively impacted my credit score.

I paid my Citi card by mail. I mailed it 3 days before the due date. Citi charged me $58.00 for being one day late. I called customer service and asked to see the post mark on the envelope. They would not provide that to me. I asked how do I know that citi applied my payment one day late. She just told me they never do that. I asked for them to refund the $58.00 fee but refused to do so. I feel $58.00 fee for being one day late is very excessive.

By far the worst customer service unless you speak Hindu. Phone prompts are a joke. And whoever they have in their “Fraud investigation“ team should absolutely be fired. Every one of them on the spot. Used to be my primary card but now it’s a back up to my back up. Will probably never use it again.

Excellent Service. What plant do you live on, Oh wait. Trump is in charge so just say anything and people will believe it. I just spent 2 hours on the phone trying to get the answer to a very simple question. Got sent round and round only to have this guy with a very thick accent read me their propaganda (for the third time) and not answer my question. Since this was a question about what they were offering and I was considering getting one of their cards. It pretty much convinced me to stay away from these guys. I must have spoken to at least half a dozen people and none of them spoke in clear understandable English. I think the "citi" must be Mumbai

Hi. I have had the most frustrating time dealing with your customer service besides understanding the accent of the representative. I ordered 3 items from Amazon totaling about $2000 with my Mastercard. The first time it got cancelled because of ‘payment’ issues. I called Citi and they mentioned after a number of OTPs that I was fine and I can reorder the items. I did so and was reassured that everything was fine. 5 min later again the same story, go through the process and again rejection. I am not sure what Citi is trying to achieve by blocking my transactions numerous times with no legit reason. It almost seems that the company doesn’t care. Please let know if you can rectify the issue or else I take my business elsewhere. I strongly feel you need to revamp your customer service and your IT systems. Hope to hear from you soon. Regards, Cyrus.

I applied a new card Citi Costco card. The card has not been delivered to me. I got a 5k statement balance now. Please do not apply. Their customer service is very, very bad. The letter receiving wait time is 10-15 days.

I have had a Citi credit card for 27 years. One of the biggest benefits I thought they provided was their Virtual Account Numbers. They claim to allow a customer to set up a virtual account number with a daily spending limit. I have used these for online purchases many times and appreciated the fact I could establish a spending limit on a transaction and a short expiration date on the number. I can now say they have purposely mislead their customers.

They froze my card for a purchase from Ali Express. When I called to resolve it they said It was fixed. I tried it again and it did not work. For verification they had to call me back on my verified number. They did, I answered. The guy kept asking irrelevant questions and I asked him if he was trying to help or trying to waste my time. He hung up on me. I called back and there was a hold on my card until I get snail mail correspondence, told 7 to 10 days. I called back 3x and was told we can't do anything and they would not answer any questions about their freeze such as will my auto pays go through

I spoke to a Rep so now hopefully my card will work now.

Had this card for years with great credit and payment history. Had one technical error one month and closed account and wouldn't even listen to explanation of why it happened to try and reopen it. Years of solid payments and one month because of technical problems and no one even cared to listen. Bye Citi to many competitors to have to deal with your poor service. Hope others read this and beware!

Do not use this card - there is no fraud protection. I rented a car and the travel agency did not return my deposit or rental fee (the rental fee was paid from my deposit). You cannot talk to anyone but fill out a form online. I am disappointed that COSTCO uses the company.

CitiBank Master car. Terrible business practices. They charged me a LATE FEE for paying EARLY!! I made a $400 payment that posted on May 31st. (my payment for the month of June...I had already paid $900 earlier in May.) Then on July 8 they hit me with a late fee for not paying in June.!! When I called about it I got someone in the Philippines that had such a thick accent that I could not understand her. I asked to speak to someone else and She said, "I can't transfer you because you can't understand me." Literally. What is the point of her job if not to be able to talk to customers...in THE US.

Worst visa card. Allow scammers to use my card and when I dispute the amount for a false claim about the product they drag the dispute then they tell me sorry we cannot help you, then not only charge the disputed amount but also interest on top of that.

The absolute worst company I've dealt with in my 64 years! Deplorable third world app, customer service and AI! Third world help just hangs up or eternal hold if not in the mood to work. Pathetic, disgusting and ludicrous existence of DEI company!

The worse card ever. I paid off my balance 100% but Citi will still charge me very high Purchase Interest for consecutive 2 months before they stop charging me high interest. Carefully read citi terms and condition before getting their CC.. I have been using their CC for over 10 years but I am going to cancel it soon..

I had a fraudulent online purchase that showed up on my Home Depot, (Citibank credit card) January 28th 2025. I reported it to Citibank in February when I received my Home Depot statement. Fast forward to July 8th. Just received my Home Depot statement and there is an additional late fee but interestingly no interest charge this month. I have called at least 20 times and have received multiple different answers including speaking to Jim on 4/4/25, which he informed me that everything would be taken care of and that I did not need to make any payment as my account balance was zero after taking the fraudulent charge into account.

Horrible experience. I requested a thirty day payoff letter to pay off my credit card. Sent the check via two day fedex within the thirty days. Took them forever to cash the check and then they charged me late fees. Sent the check 6/3 via two day FedEx and they didn't cash it until the 16th. Got a charge for it being late!

Am traveling. Card was rejected for $5 coffee and received message to call Citi due to fraudulent activity. They could not verify my cell phone. Card now on hold 7-10 days until receive code in snail mail. Only card I carry so stranded without a form of payment. Been customer over 30 years with 850+ credit score. What are we doing Citi?

I hardly write review, but this experience was a lesson and the reason to write a review is also to warn other. I have two different Citi credit cards, Citi Costco and Citi American Airlines, the Costco Citi was my daily use and other one I hardly used, as a matter of fact there was no balance on the other one. I have always paid off my credit card on time, I usually never carry a balance.

Had a great promotional offer. I have used my card several times, paid it off and used my card but never near credit limit. I received email that my credit has been reduced. I called and spoke to two rude and not knowledgeable representatives. I have Discover, American Express, Chase Saphire... top customer service. My advice, you can spend your money anywhere... do not give Citi the honor of using them for your financial goals. I have a perfect payment history and other banks honor that. I am paying my balance and will not use Citi for any investments or financial needs.

Customer service is short and rude. They lower your limit as soon as you use the card. I paid the balance off in the same month and they charged me interest the next month. They refused to remove it and said if I do not pay it I will be charged an additional $41. Even Wells Fargo is better than they are.

Customer Service for dealing with fraud concerns is an absolute joke. I'm in a different state, travelling, and this is my only credit card. I was trying to buy a flight early before the prices start skyrocketing, and they blocked my card. "We've noticed some unusual activity on your card." The only solution was to call the number so they could hear from me and verify that everything is okay. I called the number (11 pm at night) and someone called Destiny lazily tells me that it'll be 7-10 days before I receive something IN THE MAIL to my home address, when I am NOT EVEN THERE!

Terrible experience with them, I would never use them again. Customer service is terrible. Not safe to use their cards. My card got overcharged and opened a dispute but they decided to decline it even I have formal emails from the merchant agreeing to the dispute but Citi decided not to even read them.

I've been a client of Citi Credit Cards since 1987 [38 years]. I have 19 personal credit cards overall, including B of A, Chase, Wells Fargo, Amex, US Bank, etc. I have never missed a payment with any of them. I called Citicard the other day because I noticed my interest rate with them was the highest of all my cards at 27.74%. My FICA score on their own website is 686 "Good". My average interest rate on all other cards is about 17%. The retention specialist would not budge even 1% on the interest rate. I told him that was unacceptable and that I would pay off Citicard first and write a negative review. He said something like "Have a nice day". I paid off one Citicard and am getting ready to pay off the other. Then I'll have a "nice day" [laughing - kind of]. I would recommend staying away from Citicards at least until they get new, more ethical management. Thank you for listening...

I was looking at my account and I clicked on my transactions. I'm being charged 50 cents per transaction. I couldn't believe it. I pay my monthly statement before the deadline and if I make a purchase I pay the whole balance within the 30 days so I won't be charged for interest. Lo and behold Citibank is charging me .50 per purchase. I asked to speak to a Supervisor, omg, I explained to him about the company charging fraudulent interest on my account. This Supervisor was so unpleasant, so unprofessional. The way that man talked to me like I'm a nobody. I can understand now why Citibank has so many bad reviews and complaints. I want someone to read all these bad reviews and stop sweeping them under the rug. There should be consequences for how the customers are being treated.

I would not recommend applying for the Citi Card credit card when there is a promotional offer attached. The promotional offer 3 months later still has not been applied. I feel it's a scam. Just saying!

When there is a dispute, Citi VISA seems to always take the side of the merchant. I rented two cars from Hertz and paid $420 - when I got to the counter there were no cars available! And Hertz charged me and Citi card took their side when I disputed the charges!

I've had Citi diamond preferred card for more than 20 years. I’ve never been late with a payment and paid on time. Recently after I‘ve paid my last balance in full. Some interest was accrued of 2.71$ without my knowledge. Citi did not sent me any bills by email or email. After few months when I checked my card online the citi closed my account stating that 4 months passed and I did not paid the interest $2.71 accrued in the meantime. I addressed this issue and after going back and forth the decision to keep my account was still the last response from them. I am disappointed how a loyal customer for more than 20 years with a perfect credit score 850 was treated. They even banned me to get any citi card. Shame on the way citi handled an issue they created in the first place. I applied to another credit card and I was accepted right away. I will never do business with Citi and advise other people not to do it.

Got their American Airline card because they offer a $400 credit. After playing games for 3 months they now say I'm unable to get that offer. It is all a game to them and don't listen to people and waste my time as well as theirs. Time to cancel. I don't need their card. Better offers out there!

Do not use Citibank. I have 3 cards from them that I use and have never been late on a payment and always pay more than the minimum due. My 1 card expired and never received a updated one. When I finally got to a representative which was almost impossible to do I was told they just decided to not send me a card. Treating long time good customers this way is insanity. I will be closing all of my accounts with them and taking my business elsewhere. I hope they go belly up.

Please do not use Citi. They are a terrible company. I was told by a supervisor one thing and called back after the transaction posted to get what was told to me. Had to talk to 5 different people and still was not able too get what was told to me done. It was by far the worst experience for me. Do not apply for a credit card with citi. I will be doing everything to get away from this company. Absolutely terrible.

I was charged 2 times by a person pretending to be a fake merchant that doesn't exist. I used my credit card only once on that day and pretty sure whoever took my number paying for legitimate transaction used my card number to make fraudulent charges. At first I had no idea who those merchants were since they were in Greek. After I figured it out and told Citi cards which charges were fraudulent I spent 3 weeks and countless hours on the phone with customers service, dispute department and security department endlessly explaining again and again. Nothing worked. Citicard help is more like fraud, instead of helping they ignore me. The worst of the worst service I have ever experienced in my entire life.

I would strongly urge anyone to stay away from Citi Mastercards!!!! I used my card on May 13, 2025 to rent a car. I returned the vehicle on May 23, 2025 and used my Visa debit card to pay for the entire rental. I was provided a receipt showing I had a $0 balance with the rental car company. By June 4, 2025 I still have a “pending” charge on my Citi Mastercard. I called Citi to ask why, and they advised me the rental car company has to remove or “cancel” the charge or I have to wait for the charge to “fall off” which would take 32 days. I called the rental car company and had a conference call between them, myself and Citi. The rental car agency thoroughly advised Citi that they released/canceled the pending charge to my card the same day I paid using my Visa card.

Let me preface this by saying I have never left a bad review on a credit card company or bank, and have been a loyal CITI card member for years and have never missed/was late for a payment. If I could give negative stars I would. I have had their credit card with Costco for years now. I suddenly get fraud on my credit card, and have to shut down my card to get a new one. I finally get the credit card, and go to add it to my Apple Pay. Apple Pay says Citi has flagged for fraud, I spend 40 minutes and 5 transfers/different numbers I need to call later I finally get the card added to my phone’s Apple Pay. Then I go to add it on my Apple Watch? Oh, guess what? I get put through another 40 minutes of transfers and numbers only to end at the fraud department and the woman says they can’t verify my identity even though I VERIFIED IT WITH EACH DEPARTMENT MORE THAN 10 TIMES AT THIS POINT MINUTES BEFORE.

I used Citibank some years back And opened it with my own money. Being it a prepaid credit card, it definitely helped me build my credit over the years. Now, all of a sudden there has been mishaps. Miscommunication, and now my credit card is permanently closed without notification. I just opened up my app. To see big letters saying Account Closed! It went from a 5 star to a one star for me. I've never had an issue except for these past few months. Account closed, customer service cannot explain to me why. And I have to wait for a letter that I have not yet received. Now, once again I opened this account with my own money. They should be a little more helpful. It went from 5 star to 1 star.

I have had a Citi card for almost ten years. During the last couple of months, however, I have had nothing but issues with Citi. I returned a couple of items to Amazon and did not receive the amounts back on my Citi card. Amazon told Citi that they reimbursed me for the returns and the dates, but Citi denied receiving the credits to my card. I have spoken with numerous employees in the investigation/fraud division. I even told Citi employees that I have all of the documentation that shows the items were returned and received by Amazon. No one speaks fluent English with the investigation team at Citi.

I guess I will join the thousands of other 1 star reviews. I received my CITI card with a $12,000 credit limit. I received the 18 months of 0% interest. I used the card and ran up $11k in credit card charges, moving from other cards to take advantage of the 0% interest. After a few months, I paid the $11k debt down to $1700. Citi immediately cut my credit limit from $12k to $2k. I make well over a 6 figure salary every year, and have a FICO of 749. Makes perfect sense why I see all of these poor reviews.

It just baffles me that I’m in America yet all I keep getting is automated and foreign language-speaking people when clearly this is America where English is the primary language. So, for the life of me not only have they allowed someone to set up, fund, and use a whole checking and credit card in my name at a address I’ve never used before is just mind-blowing. But I decided let me call and get this fixed now. 😮‍💨 Not a chance. Three different agents. Not one understand me. So how am I suppose to stop my information from being fraudulently used when I can’t get not one person on phone. My leg is broken. I’m on bed rest. Citibank is not a dependable or trustworthy banking choice.

Completely conned me into upgrading to a new credit card with the promise of 70K bonus miles. After 3 months and the required purchases, I was not given the bonus miles. After 2 phone calls over an hour in duration, I was still not given my bonus miles. They state this was because I have a converted account. I read the fine print of the email and there was no information on this. They were of no help. COMPLETE BAIT AND SWITCH.

They do not live up to their words!! 1-3 business days and still need more information and I have a credit line of $20,000 but, yet I can't get a $6,000 personal loan?! Asking for more documents???? As if I haven't been a loyal customer of 4+yrs with them!! This is by far a slap in the face. No missed payments ever with them or any credit card, etc. Credit score 750. Income valid. What's really the issue???

While I understand some credit card companies try to help customers prevent fraud and unauthorized charges, it can also cause an inconvenience. When Citi flags attempted charges as being "fraudulent" it creates a problem. I attempted to order a few things from Amazon (less than $35!) and the purchases were declined. After these purchases were declined, my "Citi card points" were also removed from my rewards. So, I ended up having to use another credit card to make purchases from amazon and yet my Citi "rewards" cash was removed. This is not good business practice in my opinion. I attempted to contact the company through their website and that was basically impossible.