Citi Credit Cards Reviews

I would never ever do business with a company that uses deceptive practices. I received mail with the envelope stating “DO NOT BEND OR TEAR” which seemed important to me. All it was is a credit card offer. So, yes, you got me to open your envelope which is what you wanted. However, you showed me how you do business. As I started out saying in this review, I never do business with companies that use deceptive practices so your marketing backfired. Not only will you never get my business, you get this review.

I have a credit score of the high 700s - have many lines of credit with a high limit and this company approves me for $500. I got this card for the sole purpose of a balance transfer which what am I to do with that limit? Not only the low limit but a pull to my credit. I have called twice to have someone explain to me for being in such a good standing with credit why I am only approved for $500. No answer. I also opened up a secured credit card about 6 years ago with this company for $300. Since then I have grown my credit beautifully and like I said have a score in the high 700s. They still won’t unsecure it. I just thought it was the secure card that was a pain but it seems to be the company. Hopefully I can get some answers but have no doubt this will be a headache.

Citi is definitely not what they used to be. Their customer service is horrible. Most of them are pleasant but most of the time when I call, particularly during the day, they can't really answer my questions. Today was the last straw. Doesn't help that they have very heavy accents so it is sometimes hard to understand what they are saying. No disrespect, I have an accent but customers need to know what is being said without the embarrassment for either person. The worst is that they couldn't answer my question. Simply was what is the final amount for payoff in 6 days including any interest & charges. Too much of a song & dance. Then I was told no one could answer that question. I could only to wait on my next statement. Mind you all other banks & credit card companies that I called had no problem giving me the full amount.

I have come to hate Citi Bank. I have the American Airlines Citibank card. Every once in a while I have an issue and when I call them they are absolutely no help. The current issue is all my pending charges are doubled up. Mind you these are several different charges for several different vendors. The doubling has caused me to have no available credit. I spend 250,000 a year on this card and they say it is me not them. Wrong answer. I also have a Chase card with Marriott and I have never had a problem with them. Do not get the Citibank American Airlines card. You will someday regret it.

I applied for the CitiCard AAdvantage card to earn sky miles to travel with. Much to our surprise, we have never been able to use the earned miles (more than 50,000) in any capacity. American Airlines says there is "glitch" in their system that has excluded me from using the miles earned and they tell me they are not allowed to make reservations for me and apply those miles earned. I was also told the hold on the account is indefinite.

My Dad recently passed and had several Citicards… I talked with someone about getting his cards cancelled and the person cancelled MY Citicards too…. They said they ‘might be able to reinstate them but the credit limit wouldn’t be as high’ - oh and it will take 14 days… I switched all my bills/autopay to my backup card and since it collects miles and I was able to raise my credit limit to what it was on my Citicard with a few mouse clicks - congrats Citicards - you are my backup card now… Go somewhere else to get credit cards. There are A LOT of other banks you can use…

Please do not use this or apply for this credit card. I tried to get assistance in updating my telephone number and the representative would not let me speak. The second representative with Citi-Advantage didn't understand that I had just applied for the card and wanted to use it to purchase AA tickets, he put me on mute and never came back. The third representative told me I couldn't get a temporary number that was offered to me after being approved and she also said that there was no way in them providing that number. My last call was to cancel my application and they said they couldn't help me. Everyone that I spoke to was from Asia and it was difficult understanding them. I will wait for my card and cancel both accounts with CitiCard. Terrible customer service!

Besides balanced transfers I would not use this card for anything else. I was a victim of a fraudulent charge and even when I provided proof I did not get a refund. Bad customer service. I called multiple times and complied with documentation. I don't recommend this card for traveling or shopping online.

I was shocked while doing taxes that CitiBank charged me total fees of $60 and interest of $ 80.97 last year. I will STOP using this card for COSTCO. Sadly I had not noticed this earlier. My business will go to another card.

I started using Citi visa card when it partnered with Costco Wholesale. Five months ago, a third-party company did “fraud inducement” on me in regards to a up coming hotel stay, a month away. When I called the hotel the next day to verify my reservation, there was no reservation made in my name. I call Citi immediately to notify them. I told Citi I gave them my information thinking that they were working with the hotel, it was the Hotel that I originally called to make the reservation and the hotel staff-person transferred me to this third-party twice. Why twice, when I first talked with this third-party, the information didn’t make sense, so I hung up and called the hotel back telling them what was said. The hotel staff-person (same person) again transferred me to the third-party stating only they could make the reservation and I could call back the next day to verify the reservation. So Citi transferred me to the fraud department to make a claim.

A customer since 1986. Reported my husband’s death and on the spot, my account was cancelled; my Costco membership was cancelled, and they refused to pay me the earned rewards on the account. If I had opened an account in my name, my credit limit would have been reduced from $30,000 to $5000. It has been 6 weeks and I am still waiting for a response regarding reimbursement for Executive Membership Renewal amount and my Rewards. I did, however, receive a bill, due and payable. I have always enjoyed shopping at Costco, but Citibank has disappointed me greatly. Terrible service at a very difficult time in my life.

Paid my balance in full. Asked customer service if this is the full balance or is there another amount I’ll be billed for. Was told it’s in full. Got a bill for 18 dollars for unpaid interest rate! Asked them to waive bill due to their error. They said no and if I didn’t pay I’d have a 35 dollar late charge! Thieves!!! I paid it off and closed account! Thieves!!

Home Depot policy for billing if you didn't know. Bill is due on the 4th of each month, pay off balance each month, use card before the 8th and that charge goes on the balance you just paid off. Home depot does not notify you of this. They just charge a 29 dollar late fee and say it is the bank's policy. They assume the customer is not going to make a charge so soon after paying the balance (per credit services). We pay balance off every month on due date, but now once this balance is paid we will be getting rid of home depot card and getting a lowe's or menards.

Well I thought I was going to explain my big terrible problem but for the first time in my life the first three reviews I read were exactly the three parts of my problem. One they don't have good customer service. I have people on the phone that can speak English, but they're just on a track, when I tell them, "Hey I'm going to explain this to you, you're just going to transfer me." They go right along pretending like they're not, & will fix problems & then I'm told to explain it, then sure enough, they say they're going to transfer me and can't help from their department.

I added my son to my Citibank Costco card. 99% of the charges on the card each month are from him, and his goal is to pay it off each month. He goes in, clicks on "Pay Balance" and pays it. It will show he has a zero balance, but there will actually be a balance. Apparently, he can't see it even though they are his posted charges. Why would they say "here is the amount to pay the balance" and then NOT pay the balance?

I am a COSTCO member for >15years and had their CITICARD from the day they switched from AMEX to Citi. With too many credit cards on hand I closed my account in Jan'24 without realizing I will be missing out on my $199 in Rewards I earned because the certificates are sent out in February. I called up on why I have not received and was told I closed my card but however if I reopened the card they would mail me the certificate. So the agent on a recorded line reapplied for the card, did a hard credit pull and told me if the card is approved the certificate would be mailed out.

So I was trying to dispute a charge online, then through the app and their system was not working for me to do it. I call customer support and got the wonderful call center in India and was told just wait a couple of hours and try it again. Not sorry let me help you, BUT try again later yourself. Why does Citi pay fake Chad in Mumbai to do nothing?

I opened an account with CITI, but I haven't received my credit card in the mail for two weeks. After that, I requested a replacement, and today marks seven days since the request. I checked via the automatic phone call system, but they haven't even mailed my card yet. The customer service experience has been disappointing. I asked them to check if they could track my card delivery, but they said no and simply told me to wait. It's now been more than three weeks, and I still haven't received my card, leaving me unable to use it while waiting for it to arrive. Please stay away from this CITI company. It's not worth your time. If I can give me 0 star review, I would. Worst customer service ever.

You try to reach someone and their automated phone system is designed not to let you through. It decides whether your issue is worthy of speaking to a human. If you are lucky enough to get through after wasting tons of precious time. You get someone who does not speak fluent english and is extremely difficult to understand. This is not only very frustrating but you get very little accomplished. Everything starts & ends with exceptional customer service! Citi is a joke and should be put out of business! Discover has it down. Take lessons or abort!

I applied for a balance transfer card. When I called to get the balanced transferred from another loan, they told me that the offer is not available at this time. I went online and looked, and the offer is STILL available. It was also available when I applied. The customer representative lied to me repeatedly as did the "customer service manager." Everything about the call was infuriating. Their "customer service" is outsourced, and the people are hard to understand too. They were all horrible rude and dishonest. I have an excellent credit score, but it was reduced because I applied for this card. My credit limit is $11,600, so it has a huge effect on my credit. I don't think I will be able to get another card at this time because of them. This is the first Citicard I have ever had. I have several Chase cards and two American Express cards, and I have never had a problem like this. DON'T USE CITICARD.

I Applied For a Citi Rewards Card couple years ago and last night I received a message from Credit Karma that my account was closed due to inactivity, I contacted the bank immediately and I asked why would he close my account without any kind of notice, I have a zero balance. I took the card for emergency purpose and to help build my credit, at no time did they picked up the phone send me an email or text or mail me a letter that they were going to close my account for inactivity, it's affecting my credit tremendously and they said no that I have to re-apply for the card which will also drop my credit score. After doing my research on Google, saw that whole lot of people That got Screwed by this bank's negligence. I pray there will be a class action lawsuit. Now I probably have to retain an attorney and my credit score. I'm also going to put a complaint with The Consumer Financial Protection Bureau, and FDIC..

Terrible customer service. I tried Over and over again for help but it was a vicious circle. Paid off card and closed account but they kept a small fee on account after closure. I'd rather pound sand than deal with them again.

It is really hard to talk to human representatives. I recently did a zero percent APR with a 3% balance transfer fee. I also had an auto-pay enabled for that credit card and forgot to change to minimum payment. The very next month, when the payment was due after a month, Citi Bank collected the entire balance from my bank account. When I called Citi Bank after spending an hour waiting on the call, the representative said she could not help. Once the card balance is paid the 0% APR transfer over. As the entire balance is paid, she cannot credit the amount to my bank account. She can offer another balance transfer but I need to pay a 3% transaction fee.

I was sent an offer for interest free balance transfer card for 21 months with a 3% fee. I applied and was approved. First transfer seemed to go ok. But then it would not allow another. I called and the rep told me that I would have to wait 3 days. The 4th day I tried again...No luck. Again I called. This time the rep said I had to wait til I got my card. Today I got my card and tried to transfer again. You guessed it, no luck. Again I called and was referred to technical support. The rep there told me that they had quite a lot of customers calling in with the same problem. I asked what they were doing about it and she said she would write a ticket up for me and send it to the IT department. I asked how long would that take and she said 2 weeks. Also, found out that my first transfer is on hold. What a 2 bit operation this is. Worst I've ever seen and I'm in my 70s.

When I was finally able to get the reason why my accounts (both personal & business) were closed, I understood and agreed with the reason. I immediately corrected the issue that Citi was concerned about. I communicated with them what I had done and provided evidence of the steps I had taken to remedy the issue. I then requested that I could reopen both accounts.

I disputed a purchase that was made with my CitiCard Credit Card. It was obvious that the vendor did not provide me with the product. I had photo evidence to back up my claim. CitiCard sided with the vendor and didn't give me my refund. I wouldn't post a review on here for something like that but I want people to know that unlike many other credit card companies, Citi is more likely to side with the vendor for purchase disputes even if there is solid evidence that there should be a refund. If you care about purchase protection, then you should go to another credit card company.

I got a credit card from Citi Cards @ 0% interest rate for a certain number of months. Didn't realize that was only transfers, not purchases. 25.9% interest rate, and they won't let you pay off the purchase portion either. Called and asked for a % rate reduction. NO even after a decade of doing business with them! STAY AWAY FROM THIS ONE. Money grubbers!

Horrible customer service. It is nearly impossible to reach a live representative, and when I finally reached a rep, I kept being transferred to another rep. Finally, after the 5th representative and almost an hour on the phone, I was finally able to get help. Not good.

I looked through so many websites trying to find out if I was the only victim of Citi's credit attacks but found there are 1000's dealing with the same issues. I've been a customer of Citi for years. I've never missed or been late with a payment. Starting in September of 2023 I noticed my limits were being decreased on all my Citi Cards, even though my balances were not high and some didn't have a balance at all. I contacted Citi to get an explanation. The lady I spoke with could not explain why my limits decreased but only wanted to read me some scripted form about credit limits.

I have been a Citi Card customer for many years, unfortunately these last 2 years I have had numerous issues with Citi Card. For one, they offer a $100 credit for a hotel stay per year which they never honored even though I met all their requirements and called numerous times to no avail. But the worst was when my card started being denied every 3 days during my travel and I had to spend hours on the phone trying to get myself verified. They told me the only way to verify my identity is to send me a letter in the mail (while I was traveling abroad). Canceling my card, I’ve had enough.

Costco needs to look at Citibank's service as it is horrible. I closed the card when their security department denied an online order that was being delivered to my billing address without any notice till days later when the merchant contacted me that the order could not be shipped based on a security whim from Citibank on a domestic merchant. 18 months later I opened Citibank Costco card to use for my travel and car rentals, but I was once again quickly disappointed with how they handled an actual fraud case.

In spring of 2023 Citi offered me two options for a balance transfer. 1) 0% for 9 months and 2) .96 % for 12 months. I transferred 8k to the 9 month and 10k to the 12 month. The terms were that I needed to pay them off by the due date or all the interest would accrue and be added to that balance. Guess what... Because they apply payments first to the plan with the higher interest rate I find that I will have to pay off the 12 month plan BEFORE I can pay off the 9 month plan. So, instead of getting 12 months on the 10k I only get 9 months... Can you say Bait & Switch?

I had a Citibank Mastercard for 25 years. There was nothing special about the card, just a regular Mastercard. My monthly spending was less than 5% of the credit limit and paid in full every month for the past 8 years. It was not always like this, there was a time when my balance was about 50% of the credit limit and I paid significant interest charges. Twice this year the credit limit was lowered by Citibank resulting in the limit being cut by about 33% of the initial amount. This affected my credit score and my ability to make significant changes to my financial situation. So I canceled the credit card the day I got the 2nd notification that the credit limit was decreased. I think Citibank’s decision is somewhat backwards. I was able to keep the higher credit limit when I was most at risk to not be able to make the payments. Bye Citibank. Our relationship is over.

Applied for an advantage card when booking a flight to get the $200 bonus. Credit line was approved at $8K. Used it to charge my rental and get a few more miles. 100% payment history - well above minimum payment. Had less than $1K owed and then suddenly dropped my overall credit limit by EIGHTY PERCENT ($8k > $1.5K) and my credit score TANKED. Reviewed my credit on Experian and confirmed it fell solely because of this update. Basically Citi hurt my credit score.... why? Because their risk team approved me for a limit they were no longer comfortable with??

I have a 100% payment history. Never been late with payments and Citibank keeps lowering my credit limits on my credit cards making it look like my cards are close to being maxed out making my credit score dropped dramatically, this practice they use should be illegal, and I will be paying off my Citibank cards and never using them again, Times are bad enough right now. We don’t need these credit card companies, making things tougher on consumers.

My wife tried to purchase gift cards online for our grandchildren in Melbourne, Australia and transactions were declined numerous times. Spoke with Citicard and were told it was the vendor's issue and not Citicard's. Called Gift Cards.com.au and were told the visa card had declined our purchase. We then called Citicard and they had to send a verification text message to either of our phones and we were told neither of the phones were in their system. We have had this card for better part of 10 years and they weren't able to verify our phones so they cancelled our cards. Now I have to arrange a new card and change the card number with the companies I have receiving money each month. No wonder they have a rating of 1.4, to me that's on the high side.

I called support because I haven’t been receiving rewards points as the card promotes. I’m to get 1% back when I purchase items and another 1% when I pay my monthly statement. When I called I got stuck with the automated service which can’t understand English and is worthless. It finally transferred me to a rep who could not have been more rude. Of course his attempt to speak English was 100% inadequate. I kept explaining my issue and he continued to talk over me, continually interrupting me. I asked to speak to his manager, but he couldn’t comprehend that. This went on for ~ 5 minutes and I finally just hung up. I spend ~ $2-3 thousand with them each month. When I get the time, I will remove all my auto payments off the card and onto another card. I’ll never do business with Citibank the rest of my life and I highly suggest that everyone should save yourself lots of grief & frustration and do the same.

Without writing a book. I had a department store close an old card. When they did this my credit score dropped 50 points, then 1 month later my 4 Citi cards dropped my credit limits to make it look like all my cards were maxed out. This tanked my score to 500’s, I was very upset and called them to ask why would they do this to customer who has always paid early? They said it was because my credit score was low and high percentage was used. I said none of my credit cards were ever maxed out except the 0% cards when I did a transfer.

I redeemed over 22k points on my citi credit card and only received $110.95 as a statement credit. Chase freedom is 1 point = $1 vs Citi is 1 point=$0.005. What a rip off. Once card is paid off, I will be closing the account and sticking to Chase. I'll deal with the lower credit line.

Citi is the worst credit card company to deal with. I won a dispute and it is taking over one month to get my money back. Citi outsources their Dispute Department to India and the Philippines. I sent them the merchant's credit receipt, proof that the money is not owed. It was not good enough for them. I had to send it four times before someone could review it. The overseas representatives I spoke with do not understand the process and will tell you what they think you want to hear instead of the truth. Horrible customer service with unacceptable and convoluted dispute resolution times. Avoid Citi at all costs!

I’ve been with Citicard for nearly 20 years. Pay my bills monthly and I just spent 30 minutes on the phone trying to verify my account. Customer service was horrible to deal with and told me my phone number and my wife’s phone number were no longer valid options for account verification. Why? They won’t tell you. Very frustrating and my resolve is easy. Time for a new card with better customer service.

I am utterly disappointed with the quality of the Citi Premier credit card and the abysmal customer service it provides. If I could give it zero stars, I would. Firstly, the card claims to offer insurance on items purchased with it, but when I had to file a claim for a stolen item and submitted a police report as required, they flat out refused to honor the claim, citing that they are not responsible for theft of goods. This blatant contradiction between their policy and their actions is not only frustrating but also misleading. It's false advertising at its finest.

I used this credit card of mine to purchase glasses. The glasses were very poor quality and one pair broke very quickly. When the glasses company wouldn't help, I tried to dispute the charge. Citi would not issue the chargeback.

We paid off our balance in a large lump sum. They are holding our payment for two weeks so they basically locked my online account and I can’t use this card. They took away my available credit until the payment clears. It was a bank check not a personal check. They say they want to make sure the check clears. But it was a bank check. They shouldn’t have to hold it for two weeks. Call them several times. They basically gave me the runaround. They just read whatever was on the screen in front of them. They did not try to help or solve my problem. I do not recommend customer service. Their own customer service representative told me I should file a complaint and help me facilitate that. But when I ask them about the case they said, "Give me more information on why you filed a complaint." I’m like "I would like to know if you investigated the case." They wouldn’t answer me.

Cab driver in Paris charged $429.47 for a $19.10 fare. They would not reverse charge because I wasn't given a receipt. When you are a victim of fraud they don't give receipts. Offered $100.00 credit rather than reversing charge. Needless to say I'm canceling this card.

All the 1 star-1.9 star reviews are true....the 5 star are done by employee's "ASKED" to do so. What ppl are raving about their customer service (non-English speaking) is sorta true. They are trying their best, their pronunciation is good, just their context is horrible... Talking fast and not pausing between sentences makes it hard to understand.

I apply for Diamond cc, I had plan to transfer balance according with their 21 months 0% interest, they pulled my credit score, I lost 5 points and they denied my application with no any offer, base on my 700+ credit score, no missing payments.

After 3 years with CitiCard, I tried to change my first name. I went to Citi banks but if I don’t have account they can’t help me. I called to the customer service, the agent give me the information what to send and the address. (Not email not fax!!) I send everything by mail. I wait 2 weeks and I call to customer service, they don’t know how to check the status and tell me to wait another week because it’s take 2 weeks. I ask for manager and instead to give somebody to talk with and to get an answer they tell me again and again why I can’t talk to the manager.

I ended mail, looks like bank has been hacked. I closed all accounts with Citi. I only pay by phone in small increments because they have fraud issues. I received many threatening letters and told Apple I was hacked.

We ordered a couple of items online from links on Facebook (I know - dumb. Never again). Within minutes we noticed postings on Facebook warning that the vendor site was fraudulent, and the ordered items are never sent. We called the CitiCard dispute line within 30 minutes but were told it was too late to cancel the charges, yet somehow too early to dispute them. We waited 4-5 days to be able to file a dispute. When the dispute was "resolved, they concluded that the vendor could show that we placed the order (which was never in dispute), so the charges were "valid." They never even tried to secure proof that the order was fulfilled or ever actually sent to us. We immediately closed the account, and paid the fraudsters for the items we never received, just to be done with CitiCard. CitiCard - never again.

After being with this credit card company for many years, it is as though there is deliberate attempts to create confusion when trying to pay a bill. I am going to end this relationship as soon as I find a company that has better reviews. Two months ago I sent an email to the "customer service" department which was never answered. Yesterday I went online to pay my monthly statement and it appeared that the card had used automatic withdrawal. Today I wanted to verify and it hadn't happened so I had to pay a day late for the first time in many, many years. A membership fee for things I've no interest in. Constant emails to encourage card owners to max out their amount.

The card touts benefits-- example, presale codes with Ticketmaster, however the hoops to jump through for simple account and account holder authentication in trying to make even modest purchases (WELL under the high credit limit) are impossible. Despite multiple calls to Citibank nothing ever gets resolved. A waste of valuable time with NO benefit to having this card whatsoever.

I have top-tier credit and a multi-year experience with Citi Costco credit card. They cancelled payments that cost me a lot of money. Avoid these untrustworthy security people at Citi Costco Credit Card in Sioux Falls, SD! They canceled my card while I was traveling. Reservations were reversed! My trips were in disarray because of security. No advance warning!

I have the American Airlines Executive Mastercard with Citi. I would like to start off saying that I have an 850 credit score and have many other high fee cards because I travel very often with work. I have never missed a payment and consider myself to be an excellent customer. Because I fly American, I thought it would make sense for me to get this card. I enjoy the Admiral’s Club benefits, but that’s about it.

I received a Citi Card 18 months interest free balance transfer invitation in the mail in February 2023. I transferred $8000 to a new Citi Card that was supposed to have zero interest for 18 months and a very small monthly minimum due around $86. I set up autopay through my bank to pay $100 a month. I logged in today and noticed tons of late fees and my minimum is now at $206 a month. They said the first payment was late so they've been charging a late fee for the last 8 months, they've reported it to the credit bureaus, and upped my monthly payment by $120 a month...all with ZERO communication or reaching out to me to let me know! Had I known it would have been corrected IMMEDIATELY.

I had a Citi card that was connected to my Costco membership. In August 2023 my Costco membership expired. Before I could renew the membership Citibank closed my Citi Card account. I had $146 in rewards that I had until December 2023 to use. Citibank close the account and refuse to give me back my rewards of $146. After several phone calls made to Citi Card. They advised me that once an account is closed there’s no way for them to go inside and retrieve the reward points. However, the account appears to be opened enough to make payments on the amount that’s owed. They advised me I could reapply for a new card under a new Costco membership, which they never gave me an answer to. After a couple of phone calls made inquiring about the new card they kept telling me they had no answer and that I needed to keep waiting another 10+ business days.

My worst experience is the credit card! I was done unfairly and I'm so angry about that! Never ever will I do business with Citi bank ever again!! My monthly fee was only 29.00 every month and each month I sent in a payment of 50.00. I was glad until they put large interest charges on me. Here I'm about to pay them out and they still charge me! If my monthly is only 29.00, and I'm sending 50.00, I have paid them intrest plus more!! Their customer service people are so damn rude and the ones you talk to say that I was right, they are just as worse!! I'm being recorded but still they do nothing to sort this out. I will tell all I know never to do business with, Citibank because they are not true or fair!!

If I can give any advice about Citi cards. Don't get one. I had one for 17 years, I only used it one or twice a year. Well they closed my account, said because they didn't make any money off me. The guy I talked to was so rude. Never again. If your scores are 760s up carry a different card. Citi is horrible.

They will try to stick any fees any way they can. I made a $1000 transaction through Remitly and they charged me $53 calling it advance transaction fee like if I went and took cash money from the credit card which I didn’t. Remitly is an online transaction like any other once. When I called the 800 number (somewhere in India) they were not helpful at. I made an online order which I never received. Filled a claim then got a charge back because the tracking showed delivered. Please stay away stay away from this credit card as you’re not covered in any way!

Worst credit card company (Citi) and app. App is always having issues. Card has no promotions ever worth using. Now they say if you don't use the worthless card more they will decrease your credit limit. Maybe if your card had any form of promotion that keeps up with the rest of the cards out I would use it. Home Depot, please dump Citi and get a company that is better.

Pending matter to close on home purchase and absent the letter we pay $3900 extra at closing for it being delayed. What a nightmare this turned into. I requested same from our Capital One credit card and they not to fly sent a secure email but also via docusign.

I have literally been going in circles trying to verify my own identity. After many calls and escalations they are mailing a letter to my residence for verification. What am I supposed to do for 3 days waiting on snail mail? I've also been waiting on a return call all day. They also wanted to verify my account with a home landline? Seriously in 2023? The only way to send them a complaint is by sending them a letter. You can't email or chat with anyone to file a complaint. Absolutely the worst customer service I've ever experienced!

I just talking about my experience. This card was such a time wastage for me. My card was declined while using at Walmart. I received an email asking to approve or disapprove the transaction. I approved it it transaction. Still did not go through. I called the CitiCard and I was keep getting transferred from one rep to other and then to supervisor. They send me code no. of phone. But no resolution. I was on call for almost two hours at the store for them to approve the transaction. But they never did; So I used my other card. I just opened this card and it is already a nightmare. I called them again and was told to give them a different number from the one that I am calling from and I will receive a call back on that number. I did that but never received a call back.

I have been a cardholder of a Citibank's rewards card for several years now. I was just informed that they lowered my credit limit over 2000. I have never missed a payment or had any issues except losing my card. I have decided to pay off the balance and cut up the card. Sorry Citibank, no more interest money for your company!

Is my first and last time using Citi cards. Not only have they ruined my trip but have made my day horrible. The customer service is the worse. They don’t even can help the customer even though you are doing everything to verify you are the owner of the credit cards. I closed my credit cards even though it could affect my credit but never again will I open a credit card with Citi.

I held off for a long time before writing a review. My card received 11 fraudulent, and obviously fraudulent, charges three payment periods ago. I have made 13 phone calls to try and get information, give information, and move things along. Citi has made none. Everything they say will happen on the phone does not and for a while, they totally dropped the case. Then had to re-open and start from scratch. I have zero confidence things will get handled anytime soon and this case should be so easy. The charges are ridiculously and obviously fraudulent. Just a bizarre experience thus far. I've had one other fraud experience in my 40 years as a cardholder. It was with another company and it was handled so easily. The Citi experience borders on bizarre.

ALERT: This company create transaction with phone numbers online after you report to bank, they start investigation up to 90 days and you call and call and they never make a solutions. In my case I receive fraud alert for transaction 5.000 from DAVIDART GENEVA IL and this store don't exist... I report, file dispute but now my credit card is over limit and the 3 credit B show and my score is down.. I call and call and they only say... IF THE INVESTIGATION IS ON YOU FAVOR WE APPLY THE CREDIT... OMG CITI is sooo danger, please use AMEX, OR CAPITAL ONE but don't use Citi cards.

I changed my cell phone #s recently so when I need two-factor authentication I called and told them my cellphone #’s had changed but they locked me out of my card (that I use to get 4% cash back on gas at Costco). I asked them to text me an authenticator code to my second cellphone# but they said the system couldn’t, so they locked me out of card…. I won't get another one for at least a month because they didn't have the decency to tell me that I needed to call TransUnion and get them to update my cell phone #s so they could text me an authenticator code to my new numbers.

21 years with Citi. Thank You Preferred Card, 2 years ago they took away some benefits without letting me know. Then 4 months ago the app update was chaotic did not let me login, interrupted my mobile antivirus, and now the website loaded 3rd party domains request on my phone. Now I have ads popping everywhere and my cell is not working properly. I have never paid late and I have been super loyal with Citi, I recommended the card to family and friends and now I regret it.

Tonight, I made the decision to close my Citi card after being a customers for close to 3 decades. In the past year, I dealt with tons of fraudulent charges. That part was bad, but calling Citi card and having to repeat myself over and over was even worse. Every time I called call center my personal information was updated. Somehow, scammers were outsmarting the CC company and changing my information around and purchasing stuff in other states thousand of miles from me. I Canceled 3 cards and purposely did not activate the last one and somehow, a scammer activated it to make purchases. I asked them to cancel that one again and of course, my information was updated. Days later, I called to get the status of the new CC and guess what? It was mailed to a different address. I had no choice but to cancel the last CC which I never received and close the account to not deal with this anymore.

I was a Citi customer for 10+ years, have multiple cards with low balances, and have a 750+ credit score. Citi is a company that will reduce your credit limit from $9000 to $1000 with no explanation, be un-contactable multiple days out of the week, and after tanking your credit score (for making only small purchases on their 29.99% APR card) give you only repeated 'I'm sorry sir's. Their interest rate is higher than their competitors, their customer service is worse than any of their competitors, and their points structure is worse than any of their competitors. Use ANY other company for credit cards.

I have been self employed since the late 90's and have had many business cards and dealt with many banks. They all have their flaws, but Citi rises far above as the worst one. Costco is abandoning them as their preferred card. That speaks volumes as to how many of their customers complained about dealing with them. It is pulling teeth to get rewards redeemed. Customer service is not customer focused. Their job is to provide you with as little information as possible. When speaking with customer support the vibe I get is "we don't care". Terrible business card, get something else.

The most incompetent customer service department I have ever encountered. I got a Citi bank Premier card with a $10K limit. I tried to make a purchase for $1100, card declined. I called customer service, they transfer me to Fraud department. They asked multiple security questions. They said card is good to go. Tried to use card again. Another decline. Again I call . Have to go thru automated questions, then customer service asks same security questions, and again back to fraud alert. These calls can take 20-25mins. Now Fraud dept tells me I have a spend limit of $1000 set on my card and fraud department can't remove customer service has to do it.

This is one of the worst credit cards one can have. By opening this card, credit history will get affected drastically and they provide a limit of $500 which cannot be used anywhere. Don't ever purchase Citibank cards.

Do not use their credit cards. I just spent an hr on the phone only to get declined on a purchase with more than enough credit. I went through hoops only to get nowhere. They expect you to make X amount of purchase so you qualify for point before the 90 day mark, but decline large purchases. Horrible customer service!

I was issued new cards every month or two due to fraudulent activity. Painful when you have autopay setup with several accounts. Poor customer service as well. I have left and am using Discover now, hopefully will have more success with security.

I have been a customer of CitiBank now for several years. Last month I was trying to get set up with automatic bill pay through my bank, and there was a mistake on my end so it was not done in time for my payment to come out correctly. I contacted my bank USAA and they actually had an issue with correspondence so I was not notified in time and was 3 days late with my payment to Citibank. Because of this Citibank cut my credit line even after I was able to provide them a letter from USAA explaining what had happened. I do not feel like this is right, I am a good paying customer, that yes does carry credit lines, but in our household we have a combined income of over $250,000.00 and 5 sources of steady income between my husband and myself. I do not feel like it is right that this company boxes people into the same category and everyone should be looked at as an individual.

The Citicard Probate Dept. refused to honor the redemption of a Dividend Rewards request from me, the successor trustee of my father's estate. I spoke to several reps in the Estate Dept. and also the Probate Dept. and mailed in the required docs (death certificate & Trust docs). However, Citicard FAILED TO DISCLOSE POLICY that Dividend Rewards must be requested within 1 year of the cardholder's passing. I had no issues redeeming rewards with Capital One.

I have been a Citi customer for a very long time. I will likely cancel my account after this experience so this doesn’t occur again but I don’t want another Citi customer to have this horrific experience.

I have Citibank reward card and I put a fraudulent transaction on dispute. It took them about 5 months to settle the dispute against me. Their dispute department literally sucks with the folks who don't know how to deal the issue. At the end you will get the same letter mentioning that they can't help you and you should talk to merchandise directly. What's the use of using credit card if Citibank can't protect against fraudulent charges? End of story - don't use their credit card because their customer service can't help you.

In March I applied for a Citi Card with a $200 statement credit. I called Citi Card and a customer service rep confirmed that I'd receive a $200 statement credit. I called again in April and a rep told me it would take 8 to 10 weeks to receive the statement credit. I called again in May and a rep told me that I wasn't eligible for a $200 statement credit. I issued a complaint and received a letter confirming that I would never receive the $200 credit I'd been promised when I applied for the card. I only applied for the card because of the statement credit--I knew that applying for a new credit card would cause my credit rating to drop, and it did. So this was a lose-lose for me. Will be cancelling the card.

The Citi AAdvantage Credit card was applied for to purchase an American Airlines flight and receive the 30,000 bonus miles. When approved, they showed an image of the temporary card number, expiration date and CVV code in order to purchase the flights right away. However, everything timed out. Citi customer service could not help me until my card came in the mail 10 days later. By then my flight was sold out and the card was useless. I had to speak with NINE different customer service folks along with dozens of different 1-800 numbers before I could receive an answer that no one was able to help me. Horrific experience, and my account will be closed immediately. I wanted to card canceled, account closed and the hit off of my credit report. No one was able to help.

I have been trying to resolve a constant denial problem with a brand new Credit Card. Citibank uses customer service from another country that do not know how to help solve issues. The verification questions are fraudulent. I was asked to provide a another credit card from a different bank to verify my identity??? Verification could not be completed from my AT&T phone number via text. I asked for a US based customer service rep, but was given one that had an Indian accent. I need to pay invoices, yet I have to wait two weeks for a letter to arrive until I can use the card. *DO NOT APPLY FOR THESE CARDS*.

I disputed a charge that I had purchased online but never received. Citibank and/or CitiCard always sides with the vendor against the consumer. They denied my dispute and continued to charge me. Filing with Consumer Financial Protection Bureau. You would think that they would have a better reputation, but clearly they are such a shoddy and misrun organization. I even had the most horrible experience of dealing with their sketchy and misran banks. Removed most of my monies and transferred it to an actual real Bank.

Updated on 05/03/2023: I only know how Citi operates, but the burden is on the cardholder rather than the scammer placing bogus charges on the bill. The customer’s card is closed, and a new one issued in 5-7 days. The nuisance factor of changing all the sites that use the card makes it tempting to just ignore the fraud. Customer service is simply customer protocol no more.

I had Citcard for years, never missing a payment, rarely late. Sold my house, called them and paid off balance and closed my account. Months later I get a bill for over $200 for late fees and interest. Called to find out what was going on. They said I had reoccurring payments coming out of my account and one was processing the day I closed my account. Amazon took money out for Prime account. Less than $20 dollars turned out being over $200. They had my current address and was even sending me statements there before I closed my account yet they waited until my bill was over $200 before sending me a statement. They did not care about the years that I never missed a payment. They did not care that for months after closing my account, I never received anything from them for months until I got the bill stating that I owed them over $200.

Customer service agents are wonderful. The customer service system is horrific. You can update your online account only by receiving a phone call. No SMS verification. So I am locked out of my online account with no way to fix that. I am out of the country and my US phone number takes only voicemail. It is impossible to get a phone call and press pound to get the code, because *it’s voicemail*. I have been on the phone with them for literally hours today and none of the agents can help. They all said they updated the phone number to one where I can actually receive phone calls, but the system is still asking to call the other number. I finally transferred the balance off of his card and I will never use it again. US companies move their customer service overseas so they can pay their agents nothing. And apparently do not care at all about the customer experience. I would hope this costs them business, but I doubt it.

I've been a Citicard holder for almost 20 years, or even more, I don't remember truthfully but they've really changed their ways of doing business. Their Customer Service is non-existent. They make offers of balance transfer to a no interest credit card for 21 months but that's NOT what you will receive. My credit score is roughly 800+- with an income of just under 100k annual. I have 2 CC's (one is a citicard) with total credit limit of just under 50k. My total balance is 20k for both cards. I apply for a balance transfer credit card offer. They call me & leave me with a voicemail & security code to enter. When I do they tell me my info is not available & hang up.

I feel like someone is playing a joke on me. Maybe I’m being discriminated against because they think I have no money. My account got put on hold, because I made a big payment. They made me conference call my bank with them to verify the funds came out. Which they did. Then he tried to say because it was pending. They still are going to take my money but not give me my credit increase on my card. They said, "After it clears, call us and conference call us again with your bank." Haha. Is this a joke. I’m canceling my card.

Citibank service is horrible, but if you Ever have to deal with the Citicard department (which is completely separate), they are by far the absolute most horrible customer service to deal with! My Thank you card, despite being on auto payment, was charged several fees that I had to fight to reverse and wasted over 1.5 hours and switched to over 6 people to get help! In addition, without ANY reason and clarification, they had raised my interest to about 30% on the card!!! Not only going through 6 people and wasting lots of time and stress, DID NOT help at all, at the end they basically hanged up the phone and NEVER resolved! IF YOU EVER GET TO USE THIS LOUSY SERVICE, YOU WILL REGRET IT!

A fraudulent charge of over $300 was posted on my credit card. Citi has promised to be on my side, they sent messages during the 3 months of "investigation". In reality, they did nothing to protect me. I had to pay the fraudulent charge. Closed my account after having this card for 15 years and always paying my bills in time.

Tried to dispute charge on credit card statement but Citi's website just runs you around in circles so you can't file a dispute. When you call it's the same thing with all the different numbers you have to punch to try to talk to someone. Time to close out my citi card and go with American Express.

Citibank has this “wonderful” theft protection plan on purchases—except it’s a lie. My son had his 1000 camera stolen and it wad supposed to be covered. Citibank, however denied the claim because I only had a carbon copy of the police report provided to me by the LAPD. They will not accept this—it has to be the typewritten one that I cannot get a copy of. LAPD cannot be bothered —and no one in the department will help me to get this report, so they are denying my claim. This is FALSE ADVERTISING AND FRAUD. I have the police report —they are just trying to weasel out of the claim. Liars and fraudsters should be held accountable. Screw you CITIBANK!! You are the lowest form of scum. Do not give your business to this lying, cheating company that makes false promises.

I had a fraudulent charge of $333 from a shady bodega in NYC. I submitted numerous disputes through Citi's customer service. They repeatedly agreed to refund my money but I never saw a dime. The most I got was a letter in the mail simply saying their investigation was resolved and they sided with the fraudsters. Mind you, this was a bodega who just got their credit card machine, swiped behind a glass bullet proof counter, illegally sold counterfeit cigarettes, and broke every rule in the book during Covid. And Citi enables them to rip you off!

I needed to pay with CC to US embassy outside US. The attempt failed, it was expected - sometimes when payment is unusual a bank may send sms or email asking to confirm the attempt and then one can successfully try again, but not with CITI. I got email saying my account is blocked and I need to call them asap. Called - they said I needed to verify my identity, and asked my phone #. Not a problem - I provided the only number I used for 10+ years and which is set in the bank records for 5+ years.

Their outsourced customer service is ridiculous and wastes so much of customers' time. A representative named Bety was with me on the phone on 3/6/2023, and it took her 30 minutes to dispute ONE unauthorized charge. That was in addition to the months that I spent dealing with them: they don't even know what "subscription" means. They didn't understand that it was the *same* charge, the same company, and the same date every month. Terrible customer service. Waste of customers' time.

I have a Citibank card through American Airlines. Today they offered me 0% interest for the next 8 months (till October). Here is the catch, any purchase you made before the day that they implement the 0% interest rate will continue to accrue huge interest charges during the time when you think there is no interest. The 0% does not apply to any purchase made before. They do not explain this when the offer is made, but you can find it in the fine print. So if you do this, you must not only pay off your balance from the last statement, but also any additional charges up to the date of the offer that would appear on the next statement.

Had 2 cards, all was good till my cards got close and went over the limit a little. Tax money came in and I paid the cards down. Citi then cut my limit back and made one card be closed to maxed out again. I locked the cards, cut them up, will pay them off, then just use them to pay my credit. Capital 1 cards stayed with me and did not cut my limits, neither did 2 others cards.

I cancelled the American Airlines (AA) CitiCard because AA started to charge for every seat (even in the middle) and the value of the miles has decreased by more than 50% (you need a lot more miles now to travel). My annual fee for 2023 of $99.00 was charged on December 2022 and I cancelled the card in January 2023. I asked they return the annual fee since I would not use the card in 2023. They said that 37 days had passed since the charge in December and they could not return the fee because the card was used more than 30 days. Besides that, they charged interest on the $99.00. American Airlines has removed the benefits they usually offered and to complete the rip-off, Citicard charges you whatever they fit well to them. They have the power to do it and if you do not pay they collect more finance charges over your own money. Run from Citicard!!!

Lowered available credit for no reason. Said they sent a letter which never came. Called waited on hold for over 40 minutes. Hung up several times. My credit score is outstanding. Is my income is over $100000. I used all my credit $20,000 then paid it off. I did this a 2nd time paid all off used my points and then they removed all my credit. I now have a $500 limit.!!! They should have just canceled my card and told me that they just lie about how I can use my card.

I have over 30 credit accounts and over a 800 credit score. Have never had a late payment or anything like that so I’m well aware of how different credit companies work, but this company is something else. First they start by giving me a 500 limit when my income is good then every time I make a payment they credit me for a second and then they take it away. When I call customer service they tell me it’s scheduled to be credited 3-4 weeks from now.

I would not recommend getting any Citi credit card, I am truly disappointed by their customer service. I have Citi Premier Credit Card and I had used my points to book flights. Due to some circumstances, I had to cancel those flights and called in customer service. They charged me a cancellation fee instantly but was told that all my 80K points will be refunded within 3 months. There was no update to my points until I called in again after 4 months. After multiple follow ups, they finally refunded me all my points but somehow they charged 20K points back with no reference to what they are charging for. I am still following up with them to dispute these charges and God knows when I will get all my points back.

In November I opened up a Citibank credit card and roughly purchased about $2,500 and stuff. Due to a freak accident everything had to be refunded. Never received anything. It was all supposed to be shipped at Best buy, I had to cancel everything within 10 hours. Everything was supposed to been canceled. Due to a typo or whatever $163 was not refunded to the Citibank credit card. I ratched out to him. I explained the situation. They went through a list of questions for me. Recorded my conversation. I was told that they were just waiting to hear back from Best buy and that since there was nothing diet purchased and was supposed to refund it that came up to $163. That this should be a quickly resolved after repeatable checking back with them and told that nothing could be done till Best buy got back with them.

My Citi card application and acceptance has been the worst experience possible. If I knew it would be like this I would have never applied. Having to talk to customer service three different times on the phone just to get my application approved because the Citi application process glitched leaving me in limbo for weeks. Then I get told that I am approved to expect my new card. On the day that I’m supposed to get my new card I just get a notice from Citibank saying that they need more information and provided another application number and reference ID… I already had done this two weeks prior where you go online and enter the reference ID. What is ridiculous is that it didn’t have me enter any additional information, it just said, "That is all we need" after the ID was entered.

I made an online purchase with Sears PartsDirect last June. The part was backordered to Infinity (still not available) and Sears charged me for it immediately. After several attempts to get the order refunded they advised me to go through Citibank and dispute or chargeback. I did this and nothing became of it. After several phone calls and "chats" telling me it was being taken care of I finally spoke to a man named Lou. He issued me a cust loyalty credit for $268.31 (The price of the part). Right after that they received the refund from Sears. Citicard decided to reverse the credit for $268.31 and that same day reverse again for $268.00. I have paid this balance in full because after so many promises they are working on it or it is being refunded back the bill due date was approaching. So even though they again, promised they wouldn't charge any fee or report late payment to credit report I decided they have lied so many times I paid it to avoid ruining my credit.

I could never trust Citi anymore! Citi let me down, Citi had customer to take the consequences, clean up the mess for Citi's mistake! Citi emailed me for suspicious account activity and suggested to change the credit card. I specifically made a call on 12/7/2022 morning to ask for an expedite delivery as I have to receive it by Friday 12/9, because the authorized card holder lives in another city, who has to get card by 12/19 when he flies back home, otherwise he will not have the card for two weeks. I also explained that we only use one credit card which is Citi Visa Card in my household. Without a physical card, it is very inconvenient.

I have been a customer for over 30 years. Recently I received a fraud alert for a purchase I made. I confirmed the charge by text and phone that the charge was valid. They removed the fraud alert and I placed the charge again (since it declined due to the fraud alert). Again, it declined and I received another fraud alert. Again, I confirmed the charge by text and phone that the charge was valid. After the third decline and fraud alert, I stayed on the phone with them for over an hour and the charge FINALLY approved and went through. They assured me everything was good!

I have a citicard credit card. I called customer service, and they were not helpful at all. I had to push the person to give me a different phone number to a dept that might be able to help me. I called that dept., and I had the same experience. They couldn't help me and offered no other suggestions. They just said, ''No I can't help you with that.'' I will be closing my account asap.

Owner of CitiCard for 50 years. Use Citicard as my primary payment method on PayPal. 2 charges that have recurred or been regularly charged were rejected as "crypto," causing a secondary card to be charged without my knowledge. No alerts from Citi. Charges were recurring from Apple Computer and PayPal Ship Station (clearly not cryptocurrency to anyone with a brain). Customer non-service put me through endless verifications only to demonstrate that they had no explanation. Their suggestion: don't use PayPal. PayPal said rejection was from Citi and nothing had changed on their end.

I am a customer that has never missed payment or been late. I called in Sept to see if I can change my due date by one week 7th vs 14th. I have been told that due to the billing cycle they can't at that time but to call at the beginning of Oct. I called Oct and they put a request in to the appropriate dept. Told me to call Nov 1st. I called Nov 1 and was told they still can't change it. Then after still speaking with that same rep he said he could. He said my next due date would be due Dec. I confirmed 4 times with this rep so my Nov payment isn't due. He said no, due to the date change it skips a cycle. I believed this because my Discover card did skip a payment. I asked the rep when will this info reflect on my acct and he said Nov 16. So now I am online looking at my account only to find I owe two payments (as if I have skipped a payment).

Since 10/12 Citi's Unsigned 10/28 response Did Not Explain why texting STOP Did Not Work. 11/2 Received a Citi Home Dept Credit Card offer when I Opted Out Of Pre-approved Credit Offers in Mid Sept. And, their Rewards Partner has both my Phone Number & Address Wrong. I updated my Address with Citi in Jan. '22. Etc, etc.

Citibank doesn't care about its customers. I opened a credit card account with Citi in July 2013 and, according to my Experian credit report, had a perfect payment with history with them until after I was involved in a near-fatal airplane crash earlier this year (2022) and two payments "fell through the cracks" (May and June 2022) while I was recuperating from five different surgeries. I reached out to Citi via email, emailing various Citi executives and on September 23, 2022, I was contacted via telephone by a representative or liaison for Citi's executive team. This Citi representative stated Citi had indeed received my email, which contained a link to an online story about my airplane crash done by an NBC affiliate station, that proved my crash and the severity of same.

My husband and I opened up a new account with them, it has been close to two months and we never received the card. I called to find out what happened and no one could tell me anything. Instead they issued a new card, which is great but I need to make a payment. The rep I spoke to yesterday said to log in online and make a payment. I told her I can't register for an account because I don't have the card. She then proceeded to tell me to call the number on the back of the card to make a payment. I said, "Look, I DON'T HAVE THE CARD!" She said she was unable to take a payment from me. Someone else would have to do that, keep in mind this was the 3rd person I talked to!

This card has zero customer service. I make payments every 2 two weeks and this company can not apply payments, track missing payments, and can't offer any support when you mail them money. The phone calls are to individuals that can not understand why you call. The chat is only answered if it is to process a payment. I think this may be the worst credit card company I have ever had to deal with in regard to fighting them to credit my payments. I do not recommend this card!

90% time when you try to dispute something there's a system glitch saying the page is temporarily available. Their customer service is unprofessional, rude and useless. The environment is very poor and you can often hear much noise like someone else's chatting over the phone. You ask them to do something and they tell you it's done, while it turns out nothing has been done later. Don't waste time with them.

I was a Citicard holder for approximately 3 years..just one of many credit accounts I have. My credit limit was $15,000 which is in line with my other card limits. Over an 18 mo period, we purchased a new home and did a lot of traveling. I used my credit. This week I paid off everything..over $80,000 as well as TWO car loans totaling about $63,000. Never was I late or miss a payment on ANY credit line. Citicard “thanked” me by lowering my limit from $15,000 to $500. What a joke and insult.

Got an email thanking me for applying for the Best Buy Citicard attaching a pdf asking me to complete my application. Called the customer service number on the email immediately to report fraud. Lol. What a joke. Robots. No humans. Googled fraud department and called and got this person working “offshore” who talked over me the whole time. Told me she can’t help me and transferred me to the 4th bad number. Bottom line. Now someone has a credit card with my information and I’m stuck dealing with it.

I recently accepted an invitation for a Citi Custom CC, the first month was ok, received my thank you points no issues, the next month, I started having issues with Citi Card, they would intentionally delay posting my mail-in payments. They refused to remove pending charges even at the request of the merchant, told me it will remain pending for 30 days and then I can file a dispute, even error pending charges, they have majority non-English-speaking agents whom you can't understand and are very rude, they will disconnect the call if you ask for a supervisor or manager.

I had a Citi® Flex loan on my credit card! What I didn't like was, They affected my credit score negatively badly from like 890 to 650, since it's reported as a credit card balance! they didn't tell me what type of loan, which I found out they treat it like a mortgage, which they deduct most of the interest in the first year, so after one year and a half I find out I didn't pay much out of my loan! So if you pay off the loan within 2 years instead of 5, you paid interest more than principle! That is scam to cheat you and collect interest as much as they can!! I didn't like all of that! Won't do loans with them again!

I started off with an unsecured credit line of $200 and I've been making my payments on time every single time for about 2 years now and my credit score has increased dramatically and they still tell me I have to keep it as that and they won't increase my credit limit. Capital One and other banks are more customer-oriented and do a review and increase the limit but not this so I DO NOT recommend anyone who had poor or no credit to rebuilt their credit to NOT go with Citibank.

Reserved a room at Motel 6 for February 2, 2021 to February 10, 2021. Rate quoted was $475.85. When the CitiCard statement for February 2021 arrived it showed Motel 6 charged $833.69. CitiCard has refused a credit for the fraud for the past sixteen months, as it advertises. For the last sixteen months what CitiCard has done is issue me two new credit card numbers, told me twice over the phone that the fraud had been reversed, investigated a valid charge, refused my request to speak with a supervisor, argued with me on the phone because I used the word "fraud" to describe the credit card fraud, and was told that I had waited too long to fill out forms they had NOT sent me.

After the required 4 years of waiting I applied for a CITI AAdvantage card. Within 6 weeks they closed the account twice. They claimed they could not verify my address even though I sent them a utility bill. They claimed I had not spend the $2500 but in fact I spent over $2600 which they did not give me credit for. They denied the 50K American Airlines miles they had offered.

I wish they had a negative star. We have been fighting with them for two and a half years. We were told by 4 supervisors that our account was at $0.00, but the executive offices said that's not true. Even though they listened to the tapes. They apologized saying we are sorry you were told misinformation by 4 of our higher up supervisors. When I called to talk to them I was told we have a do not communicate with this customer on our screen. They blocked me from asking about my account. Finally after two and a half years they sent me to collections. We will fight this to the end. You can see their rating. They are the worst customer service in the industry.

February 2022 I paid off 3 cards to the tune of 23k. One of the cards was a cash back card. When paying off a card they give you the option to pay full amount off so I clicked full amount on all 3 cards. Well a month later I get a call from Citi card telling me that I am late on a payment and I replied no all 3 cards were paid in full and they replied, "No. You owe 93.00 dollars," and I asked for what and they told me it was interest. So I replied no when I paid the card off at that time the total amount owed was 11k so I clicked pay total amount and paid it. And so the crooks would not budge on the 93.00 even though I just paid the 11,00.00 dollars. So now my fico has dropped from 810 to 720. It's just plain greed. Stay away from this greedy entity.

Very disappointed in the service I received from Citi. I am a Citi Double Cash card holder. I recently contracted covid while abroad in France which resulted in my having to quarantine in my hotel. I had to cancel a train ride that was planned while I had covid. The train company refused to refund me for a $500 ticket. I thought for sure citi would have my back. I sent in my dispute with proof of my covid results and everything. They refused the dispute citing the merchant was non refundable... Incredibly disappointing that citi wouldn't protect their customers from something they cannot use when they are suffering from COVID.

I have been a Citicard customer for years. My payment history is "exceptional". My overall credit score dropped into the fair range but I was starting to pay down my credit usage. I started with the citicard and paid down $3000.00 and they immediately cut my credit limit to $100 over the remaining balance. As a result my credit rating plummeted to poor. When I was doing what I needed to do to IMPROVE my credit score! Citicard/Citibank... shame on you! Was going to switch to Citibank when we relocate to Michigan next month - fat chance of that happening now! Paying off the card and closing the account instead!

I had a CitiCard credit card since 1994. Never had an issue with this credit card company until now. If something goes wrong such as a fraudulent charge, be prepared for a roller coaster ride. I had an international fraudulent charge and I immediately contacted Citicard to have my account closed. They closed my account and sent me a new credit card which I received the next day. That part I was very impressed with Citicard, but it snow balled downhill from there. The credit card they sent me had the wrong CIV on back of the card. Before I knew about this error, I was able to activate my credit card via phone, no problem until I called to try and access my account online. After speaking to 5-6 departments and spending 5 hours on the phone, finally the last person told me the CIV on back of the card was not matching. I immediately told them to lock my card for this reason and send me a new card with the correct CIV.

I collected my reward over the years and decided to cash out as payment towards my purchases for which I earn 1% reward. Citibank applied this reward to credit card and refuse to apply 1% credit to my account. Moreover, I made payment 3 weeks in advance and CitiCard penalized me! Never do business with such a lousy and misleading company.

My family has been Citi-card customers for about 5 years. We have unsecured cards on which my spouse is the primary card holder and I am an authorized card holder/user. Up to mid-January the citi website allowed us to lock and unlock our cards, a feature I use as a security feature to prevent fraud. However, on 25 Jan '22 I noticed after logging on to our citi account online that my card was no longer displayed; I could not unlock my card. Same problem at the citi app on my phone.

Citi advertises that you can earn 2% back on charges made on their credit card. That is very competitive EXCEPT you might have missed that they charge interest from the day you charge an item rather than the typical policy of every other credit card I have, including my other 2% rebate card, of having a grace period. No interest is typically charged by others if you pay your bill in full each month but Citi's interest charges starting right away more than offset your 2% rebate even if you pay your bill in full each month. I realize you should read all the disclosures (and it is there on p7 of your 8 page statement) but I assumed their policy would be consistent with industry practice. Sneaky and much to the consumer's detriment. Don't fall prey to this abusive practice.

Good Card. My credit is fair (Above 580). We have an unsecured card with 0% interest for 9 months. Great deal. The issue is the phone service. Someone opened an account without my consent. All the numbers you get to resolve the issue are fake. One rep just hung the phone up on me and my wife. I recommend a Discover Credit Card instead which we also have.

I have 2 credit cards through Citicard and they have done me wrong... TWICE! I was on vacation and ended up damaging the RV that we rented and in order to fix the damage I maxed out 1 of the 2 cards. These were the 2 cards that I took for purchases while we were on vacation with the intent of paying them off once we returned home, but because I maxed out the 1st card, Citicard closed my 2nd card and I literally had no money for the remainder of my vacation. That was the 1st experience I had with Citicard.

I filed a claim with Citibank credit card, and the company simply responds stating the charge is valid, and I lost your claim. I sent evidence citing I did not receive any products or services and it didn't matter. Citibank does not defend against claims in anyway. Especially if it's against a big company. The company even stated after their own investigation that they reversed the claim and sent a letter stating that, and Citibank still won't reverse the claim.

Their fees are outrageous, they leave fraudulent charges on your credit card for days, and I spent nine months, 10-12 hours on the phone, and three trips to the branch to get my $700 account opening bonus. Citi claimed to not get mail, so I started faxing. When they started claiming they did not get the required paperwork to pay the bonus via fax, I went to the their branch. After two attempts by the branch manager to get the paperwork acknowledged, I still had to open another dispute to get the $700 paid. AVOID!!!

I noticed that they charged me a late fee and I was surprised since I normally pay at least 3 days prior to my due date. I disputed the charge and Citi did issue a credit. So, I downloaded my past month statements. Oddly enough, I noticed the due dates were different for each month! I contacted customer service and the rep was awful - arguing with me stating that I was wrong! Why the heck would I be wasting my time calling? My point - always check your statements. DO NOT TRUST THIS BANK!

Absolute worst customer service EVER!! They will run you in circles and promise if you call this number, or talk to this department, they'll be able to help; well, no, they won't. It took me 5 contacts, well over 30 minutes on hold for just one contact attempt, to be put on 'hold', but hung up on instead, to find out they won't help. I've been with them for over 3 years, and it's been nothing but issue after issue. Don't waste your time, this card isn't worth it

I have had 4 Citi cards and cards from other large banks. NEVER missed a payment, have made additional payments, credit line increased by Citi and balances have always been below 35%. Why after 5 years did Citi decide to lower my credit limits drastically, to right above the amount that is due on my cards. Needless to say this caused my credit score to tumble more than 40 points! None of my other creditors have done this. Spoke with a rep and they said it is because of high balances. Well I didn't have high balances before. Citi decided to ruin me! Once Citi is paid off for me they don't have to worry about giving me any type of increases. I'm done with them! Don't fall for their antics!

I have been their customer for decades and paying off my balance monthly. Now that I am relocating they put a fraud alert on the card when my moving company charged their fee, well no problem, I called to have it removed and they said, have the merchant repost the charge, all is good. Well, I went through this exercise 4 times and 3 hours later said, I give, post it to my Amex card. No problem at all with Amex. I will be cancelling Citi.

I have been Citi customer over 10 years. I use the card extensively. For last couple years, service was fantastic. From last couple years, Citi has become the worst bank & credit card service provider. My black Friday deals orders cancelled because of Citi detected them as fraudulent transactions. Calling them take me over an hour wait and rep unable to release payment. My orders have been cancelled and no way can get those deals. Today again trying to book flight tickets and transaction detected as fraudulent. Over an hour wait to get to rep and when advised okay to go, I lost the fair deal while booking. Now the fair prices are jacked up. What a ** service provider Citi has become!!! The poor rep told me that I was 120th caller reporting problems on same day. I need to start looking for some reliable credit bank provider.

Yesterday we closed the Citibank Credit card that we had for 30 (!) years. Prime reason for closing - awful customer service. Fraudulent activity has been detected on this card and we were asked to call, so we did. Have been kept on hold for 40 (!!!) minutes before got a chance to talk to representative. Representative was not able to clearly explain the process, it was hard to understand this person, she was reading some sort of script, and any simple question took her off from this script, so she started all over again and again. The entire fact that no one in this organization cares about why long time (30 years) customers leaving them is perfect example of poor customer service they have. They simply don't care, so we'll take our business somewhere else.

I somehow got scammed while making a purchase online. I followed all of their instructions when I filed the dispute but Citi is still saying that I am responsible for the charges. This is the worst experience I've ever had trying to get a company to make things right. Go with a more reliable credit card company. Preferably one who will stand by its customers if you're ever the victim of an online scammer.

I will only use this card for Costco or Costco gas. I made a purchase in Mexico for about $2,200.00 and had issues with the order. Once it was resolved the Company came and re-possessed the item. Citicard refused to lift a finger to help me, saying it was closed already. I just kept asking for something to show they were paid. Nothing. The Woman on the phone said there was no one else above her who could help me and her decision was final. So I got screwed and and working with a Mexican lawyer. Citibank will not help at all. I should have used another Credit Card. If it was not for the fact that I need to shop at Costco I would just cancel this card. I do not use it for nothing anymore. Would not recommend it to anyone.

Horrible place to deal with. I changed several Citi CC and they all got unauthorized charges on them. I stopped using this card, I didn't even take it with me. And still got over $2K on it! Someone paid for car! How did this happen if the new card was not exposed anywhere? I am just curious. I tried to close account, impossible to get through the machine to reach customer service. When I did I told them to close the account because I don't want to deal with Citi ever again and never send me new card. Guess what message I got? They sent me new card! How is that this never happened with all my other cards? And I have quite a few. Makes you thinking, right? If you want a headache - go get Citi card.

I was simply calling BACK a second time to unlock my card after receiving a Fraud Alert (charges were verified) used card minutes later then it was LOCKED again. After being on hold for 50 minutes, finally connected with a lady and they told me they could only "authorize/get access to" my Credit Card Account if I had the reference code from a letter they send in the mail?? I guess it's a good thing there are other Credit Card companies out there...Will NEVER use/swipe a Citi Card again!

Have 3 credit cards with them. Never late in a payment and suddenly my CL is lowered. Called CS for an explanation and CSR said had to call credit bureau for more information. She simply transferred my call without even letting me know.

Last May, I made an online purchase of some automotive parts using my Citicard in the amount of $1200. After months of waiting, I never received my parts. I tried numerous times to contact the so called merchant. I was not able to get any answers or satisfaction through these methods so, I reached out to the Citicard's fraud department and was assured that they would take care of the situation.

I'm making the rounds and copy/pasting my review from another site. Long but detailed... relevant to those of high income. Short summary below.

Never get a CitiCard. You'll just get headaches and horrible "service." Not to mention a high-interest rate. Horrible company. I lost my job and there was no understanding, just late fees. No understanding from the reps either. I was paying Citi almost my last dollar but still not good enough. Now it's suing me! Stay far away.

I have had Citi for at least 25 years, and also most of my family has Citi cards. First time I made a payment for my very old mom because she took a vacation. But 2 weeks later her account is still showed no payment. The check that I sent electronically was cashed. I called on the customer service yesterday almost at midnight. The lady did not listen to my story, she kept saying she did not understand me. I got so frustrated, hang up. Today morning I called again (Sagar - customer service). He listened to my story and was able to let me know - Somehow the check went to my Citi account instead of her Citi account. He straight the problem out for me. Thank you very much Sagar for listening to me. Thank you for doing a great job. You got A+.

DON'T GET A CARD FROM CITI. 40+ days to get a card from them. Lies after lies and excuse after excuse. Now they want to mail a check in 21 days... But they can't get a card to me in 40. Stay away. STAY FAR, FAR AWAY.

Opened this Citi Card to increase my card options a few months ago and I have not been able to log in online without having to reset my password. Every time I try to log in I have to reset it and several times I have had to call to get a reset. WHY? So they can try to sell me something. What a waste of MY time. I am going to pay this card off and will never have a Citi product again.

Getting a Citibank credit card was the worst mistake of my life. They keep declining my transaction and blocking the card and when you call them to unblock, they ask you 1 million unrelated questions. They need to change their system and hire new employees.

When Costco departed ways with American Express and went with Citi Bank, my balance was automatically transferred to Citi. All payments continued to be made on time and exceeding the minimum required, if not paid in full. Fast forward to today: When my refrigerator died, I found one at Costco that would meet my needs. I called Citi to request a credit limit. Fully expecting not to be a problem, I was floored when my request was denied. Customer service could not give me a straight answer as to WHY.

I've been a Citicard member since 2006. That's 15 years without a single missed payment until I changed my auto-pay amount and was unaware it didn't go through! That one time last month a payment was 8 days late! The amount was promptly paid the when I realize what happened. Instead of recognizing my superior record with Citi they decided to be an ** about it and cut my entire credit line on both card thus severely damaging my credit score!

Credit card dispute placed 2 months ago. Notified by email multiple times that Citi was investigating, then without any notice or communication to me or vendor, I noted on credit card statement I lost dispute despite vendor now saying they will refund me or have been trying to refund me. Have been unable to get in contact with a citi representative at all over last few days to discuss this.

I filed a dispute over a hotel reservation which was charged full amount to my CitiCard. I had email confirmation saying it is refundable up to 48 hours before the check in - the reservation date was 12 weeks away. When I had to cancel it, hotel initially said my rate was nonrefundable and refuse to refund. I filed the dispute with citi card, submitted my reservation confirmation email as a proof. For some strange reasons Citi closed the case not paying attention to my side of story and decided I am responsible for the charge without giving any explanations. Later, the hotel recognized their own mistake and refunded me but I will never forget Citi card did not support me when I needed them the most. I've been a card member with an excellent standing for 16 years. I'm considering to close my account.

Opened a Platinum Select Credit Card account to get a discounted fare on an airline ticket plus 40K airline miles after spending $3,000 in first 3 months. It took 11 days for the card to arrive. After charging the first $1,000 my card started getting declined. I attempted to reactivate card after reviewing charges on the app but was told I have to call. I called and was told my phone numbers were not associated with the account and so they could not send a reactivation code. The phone numbers were accurate and are still associated with the account.

I've had this credit card from Citi Card, through Costco for a few years. When I didn't review the Costco account, Citi Card closed the credit card. A few months ago, Citi Card turned off the online access to the account and ability to make online payments. The only way to make the payment was call in or mail. I called in each month to make my payment. In March I made 2 minimum payments and received a "0" payment due for April. In May I paid the complete account in full. This month I received a bill for interest on the account. When I called them I was told they never received a payment for April and the interest would continue until two months after the final payment. This sounds crazy. Why would I be charged for interest on an account that is at "0" balance? I would not recommend CitiCard to anyone! The account has been closed and now paid in full, please stop charging me interest!

Back when the pandemic first hit, I started to figure how I was going to pay my bills. I called a couple of credit cards and they all worked with me to Defer my payments. When I called Citibank, it was just like the rest. Then the 3 months expired and that is when the chaos started. The other banks only charged me Interest and started up my monthly payments. But Citibank after the 3 months, just piled up all the payments and requested the entire 3 months all at once. I tried to call the Customer Service line but that was like talking to ROBOTS. All they continued to say " This is what you owe." I tried to explain what all the other banks provided.

Citibank alerted my account because of "suspicious purchases." The suspicious purchases in question were a payment to my health insurance and to my Apple account. At their direction, I called the fraud department 3 times and was subsequently hung up on 3 times. I had a fraud alert a few weeks earlier and didn't get a single native or even proficient english speaker. On one call I had to hang up as the English was so bad, I assumed I must have called a fraudulent number. While their customer service used to be excellent is has fallen to abysmal levels and I would strongly not recommend doing business with Citicard.

I cannot believe anyone has given this company a good review. When I called regarding problems with my linked airline account, I spent ONE HOUR AND A HALF...and the issue was not resolved. Their reps don't understand English! Good luck trying to do anything with them! Who needs this - am going to change my credit card company.

Citi Bank and BestBuy, in bed together. I had a false charge and tried to dispute it and BestBuy would say that it was a Citi card problem and then Citi card would say that it was a BestBuy issue. Basically charged for a reoccurring Geek squad fee that was never authorized by me. They awarded me 3/4 of the charge after 5 months of fighting back and forth with them until I finally gave up. I will never shop at BestBuy again and have closed all accounts with Citi Bank. Yes you both suck!!! And yes this is my personal opinion..

There is no nice way to put it. This company should close its doors. They have an automatic phone service that won't let you talk to a human. After 3 days trying, I called another number by Google search, not their website and got one. I lost my card and was calling in because they said the new card number would be available immediately. You can't get it on line and then when you go to the automatic, it wants the new number, and will not give you any information on your account with the old and you in an eternal loop.

Had fraud on my card and I reported it immediately. It was still posted on my account weeks later so I tried reporting it again. The app then told to me I needed to call and listed a number. It took three calls before I actually connected with an agent. Then that agent told me he couldn't help and I needed to call another number. Turned out that number was dead. So I called the original number again and got the correct new number. Then I called the new number and was put on hold for two hours. After two hours, the agent chastised me for not reporting sooner (even though it was my second report of the same issue) and said a credit wouldn't be posted for another 90 days. When I tried to close the account, they said if I did that I would be on the hook for the fraudulent charge. I'm just waiting to finally get the credit posted so I can cancel this account. Stay away from Citi at all costs. Ridiculous experience.

I have visa credit card by Citi for six years through Costco. My statements are paid off every month within 30 days, even during the pandemic I never missed a payment. Last year they refused to renew my credit card stating they received a bad report from Equifax. After checking with Equifax my report was sent out to me and was in excellent rating.

It's been almost a month and I STILL don't have my new card. 762 credit score and got approved for $6,000, but approval took approximately two weeks since they called the wrong number and couldn't verify me by phone. Wait 7-10 days for letter to verify my identity. Then wait 7-10more for the card. Card arrived and would not work. They told me it was defective and I'd have to wait for a new one. Would not give me any information over the phone due to me not having another account with them or home phone? How is this the only way you can verify my identity in 2021? So everything had to be done by old fashioned mail.

I applied for the Citi Premier MasterCard. I have flawless credit and FICO scores ranging from 835 to 850. I have no debt except for about 150k on a house worth $800,000. We have no balances on any credit cards, including a Citbank Double Cash MC which we've had for over a decade. We pay off our credit cards every month and have for the past 35 years. Income is $230,000/year. Assets are several million. I was declined due to having applied for another credit card the same day. We wanted two travel cards with one as a backup, hence the second application. Note that this is the first time in over 7 years we've applied for credit.

I signed up for a AAdvantage card because the Citibank advertisement said I could have an immediate $200 credit when paying for my airline seats right then with my new card. This was not the case. I was approved almost instantly for a nice line of credit. The only information I received was the approval amount and the last 4 of my new card number. I had to pay for my seats my Capital One Venture card. I spent near 2 hours on the phone. Neither CitiBank or the Airlines could provide me the new card number as promised, to pay and receive a $200 credit. I will cancel this card prior to them charging me the annual $99 fee.

Today is March 28 Sunday 2021. I was online purchasing to book a flight and I use my Costco Citibank credit card. They block my card, they think it’s fraud, so I called the customer service to let them know it’s not fraud. First call the customer service department said they reset my card and I can use it purchasing online, they still block my card!! I called back again second time, different customer service rep answered me and she said they can not do anything but they will send me letter thru mail to verify my identify. I said really??? I’m so mad and furious. I said I will call back in 1 hour later .. I called back 3rd time thinking maybe different customer service rep can help, but no, nobody can help me, this customer service rep she’s so rude that she said, "I can not do anything for you, you can not use your card because we block your card until we verify your identify thru mail in letter." ???? How long is that I have to wait????

I wish I could give 0 or less stars. Very lousy customer service. If you can even get someone on the phone, you can't understand what the agent is saying due to very poor signal quality and very, very THICK foreign accent. It was nearly impossible to communicate to them that I had received a fraudulent check with Citibank's name on it. It was a nightmare. They give you no other option for communication except by phone.

Okay I started a $500 secured card with Citibank. It had the lowest limit of the cards in my wallet and the only secured card I had. I primarily used it as another means to monitor my credit score from their app, which the score isn’t nowhere near the real score. The balance for the most part reach 40%. I maintained paying the balance in full nearly every month except for one. Then I log on to find out my account has been closed with a $60-80 balance. Confused and certain this was in error, I called. I was told the account was closed because I had two automated payments that did not go through of $20ish or so-no late fees charged.

Been using this card non stop with a few hiccups here and there. Most recently had a snafu with a payment not going through. Got it resolved and made another payment. Went to use my card with plenty of credit available and my card was locked for another week. Absolute **! Wasn't a late payment at all. Just using the card. No notification nothing!! Paid my cash onto the card to get points. I have available credit and cant use my available credit! This card will be paid off and snipped! No way you're doing this crap to me! Also it took 5 times of the stupid computer hanging up on me before I reached their customer service! Filed a complaint with Costco also.

I have a perfect credit history with all my creditors, my scores are well in the 700's at all 3 credit bureaus. According to Citibank, I have too many inquiries and they felt I was a credit risk and decided to close all my accounts (6 total) that are issued through them. Is this fair? So, we've been looking at different insurances; refinancing; it's a shame that people are dinged for credit hits when all they're trying to do is conduct business. We have zero credit debt, but use responsibly. I feel now that my credit has been or will be more damaged because of this because they'll report as "closed by credit grantor" and not me personally. Believe it or not it does make a difference on how that is reported. I will never and repeat never recommend Citibank for anything. They used to be my best creditors.

I want to say that their practices are harmful to our credit rating, ill thought out during these times, and misuse of credit inquiries! Once you're approved for a credit limit that shouldn't change because your life changes, in the past 6 months they have decreased my credit limit over $3400. I've never missed a payment, paid OVER my amounts due, and always paid before and with automatic monthly withdrawals. They never took in to account my pay increases, or any of the debts I paid off. I have had 3 pay increases since having my Citibank Costco card and I'm a 6 figure earner with 3 adults who have cars in my name. Again, I'm in shock that they are allowed to have these practices and who are they truly hitting.

After 6 calls, I got an answer. I was locked out of my account online - so I needed help b/c it wasn't recognizing any of the information I knew to be correct. I am seriously wondering if I want to keep this credit card. Call 1 - After dealing with a phone tree that kept wanting to give me my account balance, my last payment, my max purchase limit....blab, blab, blab (FOR MINUTES...), I finally convinced it that I needed a person - reached someone in US but then he accidentally disconnected (or did the phone system do that?) ... and does not call back. Call 2 - After dealing with the phone tree again where they spend 3 minutes giving me my own information that I don't need ---- and giving me options of texting or talking, someone in probably the Philippines answered and I asked to speak to someone in US, was disconnected (by the phone system?) when the US rep picked up.... She does not call back.

Outsourcing to India bad Idea. Can't even understand what they attempting to say in every single call!! Then of course they put you on hold and every time it gets hanged up or transfer to someone else where you have to start all over again. Today was NOT that bad, only on hold for 45 min before starting over.

WORST CARD AND SERVICE EVER!!!! I applied for this card because it was sold as 18 months no interest. Found out their wording is sly. I get the bill after making my large purchase thinking I will spread this out for 18 months, and I can't. It is due immediately so I pay by transferring from a bank account $4,500.00 2 days after receiving the bill. I tried using the card twice after making payment and found out the account is on hold for 14 days because of a large purchase. YOU HAVE GOT TO BE KIDDING. I will use my points. You can keep your card, I don't need it. STAY AWAY FROM CITI CARDS.

I've had the American Airlines card for about 4 years without needing any help, but the first time I had to contact Citi, it was a nightmare. I had an incorrect charge (60%) higher than invoice and had to open a dispute. The online process seemed easy but the credit never posted. I went through chat 4 times and had to call three times. I continued to provide information over the phone and asked if they needed me to email the invoice and documentation. I was told the dispute department would contact me. They never did. The case was closed in the merchant's favor because I didn't submit documentation. I finally called and cancelled the card. It's cheaper to pay the shady merchant the amount ans no longer pay Citi the annual fee. I'm only using Discover and Amex going forward. I learned my lesson with Citi!

Hi. My name is Michael **. I've been a Costco Visa for 25+ years. I just had the WORST Citi Visa Customer Support experience in my ENTIRE life!!! :( First, Citi Visa allowed me to exceed my limit by more than $1500, but when I was *** TWO DAYS *** late on my payment (repeat 25 year cardholder!) Citi *** LOCKED *** my card. I had several auto-payments fail. I was unable to purchase my wife's ** - THE MEDICINE SHE HAS TO TAKE DAILY SINCE HER THYROID WAS REMOVED DUE TO CANCER - and I am unable to purchase my ASTHMA medication. Both of these realities VERY stressful during COVID-19 era.

After consolidating 3 credit cards onto a new Citibank Visa Platinum card due to zero interest, I have been able to pay off my other credit cards. After only 4 months into having this card, Citibank sends an email stating they have reduced my credit limit by $4500 for the following reasons: "Your payments were low on one or more of your accounts with us. You have too many credit cards with us."

I paid a $395 annual fee for this expensive executive card. When my job got affected by COVID-19, I contacted CitiCard tried to get help. Their website has a dedicated page regarding assistance for customers impacted by Coronavirus. It states "The well-being of our customers, colleagues and communities is our top priority. Today and in the months ahead, we're committed to helping to provide you with the support and solutions to help meet your banking needs." In reality, they offer ZERO help to vulnerable customers, other than asking you to talk to Hardship Department to cancel your account. They're not helping customers. They're harassing them. Useless customer support. All I'm asking is to lower the minimum due to keep the account current. They're the worst! CitiCard, shame on you.

I opened a Citibank credit card and paid the balance off every month. The last month I had the card I did not pay the balance in full because for several months when I made my payments it took over 2 weeks for them to restore my available credit. They reported my payment as late to the credit bureaus when it was not and they never reported my account when the balance was zero only when I had the card almost maxed out which cause my credit score to drop several points.

I misplaced my Citi-Bank Credit Card. When I received a call for the renewal $99 dollar payment I gave them a credit card. Somehow they didn't register. I kept getting daily calls for the $99 dollar fees. When they call, if you don't know your credit card numbers they insist on your phone number (the one they just called), full Social Security number, date of birth and address. I never knew if this was legitimate. When I asked for a supervisor the call was dropped. After 7 or 8 calls. I cancelled my card AND PAID THE $99 FEE. CITI-BANK NEEDS IT MORE THAN ME. I promise to NEVER do business with them again. Why they won't communicate by Mail or e-mail is beyond me!

Citi doesn't seem to wanna report your updated balance to the credit bureaus if you pay your balance down to $0. As long as your balance is high, they report on time. I paid my balance to zero in September 2020 and mysteriously, they stopped reporting. I have still been using the card to keep it active. Small purchases like gas, and paying it off immediately. But Citi refuses to report accurately to the credit bureaus. I have contacted them about it and they insist that they're gonna update but they haven't. So I disputed them with the credit bureaus. They're still reporting that old balance. I'm frustrated. If it wouldn't screw up my credit by closing my account, I would. I'm just gonna stop using the card. DO NOT APPLY FOR A CITI CARD!

DO NOT do business with this company. DO NOT get their credit card. They fraudulently charged me four foreign transaction fees, admitted they should not be on my account, reimbursed me for ONE "as a courtesy," but then refused to reimburse the additional three resulting in $101.37 in charges. I was denied my repeated requests to speak to another supervisor on three separate phone calls. You are trapped in their phone system and whatever decision they make is gospel. I can't believe I was scammed by my own credit card. I have been a customer for 16 years and I have never been so frustrated with poor customer service, lack of empathy, understanding or assistance. I have filed a complaint with the BBB and hoping by some miracle I get my money back. Consider yourself warned.

I have had my account with the Citi Diamond Preferred for less than two months and my card has had a fraud alert put on it twice. I called to have pending charges that were duplicates of an order or orders that had been cancelled and both times a fraud alert had been put on those disputed charges. Citi has procedures that go beyond the norm in protecting against fraud. It's inflexible and frustrating. I had to wait ten days to receive a letter with a code number prove my identity and to unfreeze the account, not I have to wait for a second letter with a second code number. Unbelievable red tape created by Citibank. On the verge of cancelling my account.

I paid off a large portion of my card with the plan to hold the card for emergency vet expenses for my dog. The day after my payment cleared they slashed my credit limit by $4,000. I make more than I did a year ago, have steady employment and have never missed a payment. I would have never paid off that much had I known they would remove my credit limit. Only pay off your cards if you're prepared for the credit limit to disappear.

In April 2020, I was scammed by a company that informed me that they were Microsoft. I purchased their $848 Firewall, but when I spoke with my son that evening, he informed me that I did not need this product and the merchant (Clickstreet) was a FRAUD. We contacted Clickstreet the next day, but they did not answer the phone, and when we finally reached them days later, we were told that the number was NO longer in existence. I have been disputing this charge since April, and have now been advised that Citibank has ruled in favor of the fraudulent merchant stating that I took too long to report the fraud.

My credit was lowered by 1k out of the blue. I've had perfect payments on everything for 9 years. When I called to resolve the girl said the limit request was shut down from pandemic. This is how they treat customers who actually pay their bills on time all the time. Be careful doing business with this company.

I've had the Simplicity card for a few months. I took advantage of an offer to try their card. I was approved and began to make payments on the small balance I had transferred to them. Paid every single one on time; I've never been late with a payment. All of a sudden, right during this pandemic, they slashed my credit line to what I owed, which was a very small amount. I went to use the card at my Dentist's office and it was declined. No notice that they were going to cut my credit line until after it was done. It was very embarrassing to have that happen. And of course, when they slashed my credit line my credit score dropped significantly.

I have had my Citi bank/Costco credit card for several years, and have used it for almost all types of purchases. They have been good about increasing my credit limit so that I can make this my primary card.

I've had a Citi rewards card for over 10-years. The rewards points are put towards holiday gifts every December. I've even used them to pay for Amazon orders and flights to Europe. The versatility is endless with the Citi rewards card. And, low, low interest rate as well.

The company has been great. It is a good company with great customer service. I really don't have anything bad to say about the service.

My Citi card was okay. I had the rewards card that accrued points rather than cash back. I could use the points to redeem towards my purchases or use the point for travel. The redemption for travel was very limited, so I used my point to redeem towards purchases and closed the card. I got a CapitalOne and a Chase card that I have both been happier with.

Using Citicard Visa is so convenient to use. It is tied to my Costco account so it is covers the majority of my purchases. When using Citcard Visa I get an additional two years of protection on my appliances and electronics. Having my photo and chip on the card makes me feel there is more security and I have never had this card refused anywhere I shop at home or while traveling.

I use my CitiCard for everything and pay it in full every month. I enjoy the 2% that I get for every dollar I spend and the timely response the two times I disputed the purchases. They also caught a purchase made in Singapore and they immediately notified me, cancelled my card and credited the charge.

I would give Citibank and in particular Citicard even higher than 5 stars if I could. They are that good. I purchased an large, inflatable swimming pool for the backyard in May 2020, hoping, as many people did, that we could use it as an antidote to the general restrictions of the Covid-19 pandemic. The seller turned out to be in China (although that's not always a bad thing), and this wasn't apparent from their website. When I finally received their product (which I suspect took so long because they didn't manufacture it or buy it from the manufacturer until I bought it), it was the wrong size (smaller).

I like my Citi Simplicity card because there is no late payment charge. The interest rate is low and they offer lots of balance transfer offers with 0% interest.

They use to have a lot of benefits... travel, price rewind... But they have done away with those in the last year or so. Now, they are just an ordinary card that gives a little back.

I have had my Citi credit card for 4 years now. Not only does it have the lowest APR out of the couple I have, their customer service takes great care of you and they offer great cash back options!