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Citi Credit Cards Reviews

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About Citi Credit Cards

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Citi Credit Cards offer a range of credit card products designed for diverse consumer needs. Its offerings include rewards, cash back and travel benefits, along with security features and digital account management, catering to a global customer base.

Pros
  • Excellent customer service
  • User-friendly online platform
  • Cash-back rewards
  • Quick transaction processing
Cons
  • High interest rates
  • Frequent unsolicited offers
  • Confusing fee structures

Citi Credit Cards Reviews

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    Page 4 Reviews 240 - 440

    Reviewed April 17, 2024

    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.

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    Customer Service

    Reviewed April 17, 2024

    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.

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    Customer ServiceStaff

    Reviewed April 17, 2024

    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.

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    Customer Service

    Reviewed April 9, 2024

    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.

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    Sales & MarketingPrice

    Reviewed April 8, 2024

    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.

    While American Airlines and Citi has represented each other in this AAdvantage scam, neither one of the companies will do anything about it and frankly, just don't care. They are aware of the scam. I paid my CITI card off before the due date in full and they still mailed me another interest bill. Basically interest on interest for $11.04. Again, the entire balance was paid off before the due date. So, they are staggering the interest rate dates differently from billing dates which I find immoral. Do yourself a favor and steer clear of both of these companies.

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    Reviewed April 6, 2024

    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…

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    Customer ServiceStaff

    Reviewed April 6, 2024

    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!

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    Customer Service

    Reviewed April 3, 2024

    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.

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    Price

    Reviewed April 2, 2024

    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.

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    Customer ServiceStaff

    Reviewed April 1, 2024

    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 month later checking in at the hotel I was informed that I had booked two separate rooms, I checked into the room that I booked with the hotel because at the time, a month ago the Hotel did not have a reservation me. When I got home, I called Citi regarding the two booked rooms. A few weeks later I receive a letter from Citi saying that they filed in favor of the third party because I gave them my information and that is not fraud. I told them I gave them my information and the situation surrounding why it was given to them. I told Citi I did not agree over the phone and in a written letter.

    Today I called Citi after receiving a letter stating the claim was closed and it favored the third party. I was told by a staff member in the fraud department that it was filed in the wrong department. I find it interesting that Citi themselves send me to the wrong department in dealing with my claim. Good bye Citi, I now know who side you are on. Like Costco but with “Citi” very disappointed.

    P **

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    Customer Service

    Reviewed March 19, 2024

    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.

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    Punctuality & Speed

    Reviewed March 17, 2024

    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!!

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    Price

    Reviewed March 17, 2024

    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.

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    Customer ServicePunctuality & SpeedStaffProcess

    Reviewed March 17, 2024

    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.

    When I explained the problem & ask them to get back to me. They NEVER HAVE ONCE! They make me late on my payments as a result of their automated system hanging up or not having the proper options/info, like if I want to pay all of last month's balance, it decides to no longer tell me that balance, it will only tell me last month plus whatever I've gotten additional this month so far as the total. Then it will say, "We can't process you." No 2nd chance. Just end of call.

    830 am is the robot call, then 8 seconds later a foreign agent says, "Is this..." Amid a ton of background noise. Another words they make communication harder, give the agents less English requirements & less options to work with you in their department, once you have a problem & you need to work it out with Citibank. 830am every day of the week. Even if you request 12 noon. You must certify on a recording with an agent you want {NO CALLS AT ALL FROM CITIBANK} or else keep taking the 830 am harassment calls ad infinitum. Truly low brow interaction dealing with citibank. Costco, L for choosing this over American Express. Even Chase gleams in comparison to this customer service interaction/interface.

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    Customer ServiceStaff

    Reviewed March 13, 2024

    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?

    This happened several times. We called, and their "explanation" was that somebody added to the account cannot see all charges. But they can see their charges. But he was NOT seeing his charges. (I didn't use the card for two months, and he still was not seeing 50%+ of his charges when he logged in.) The representative just kept saying, he is an added card member so won't see all charges. But he would not clarify what charges he was not able to see! We finally canceled it, losing $100+ of Costco money back. It is a ridiculous system of not actually showing the balance owed when asking for the balance owed!

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    Customer ServiceStaff

    Reviewed March 9, 2024

    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.

    Card was approved, I took a credit pull hit and now when I called to ask for the certificate, a supervisor by name of Hernando told me I have forfeited it, then changed his story to say that maybe if approved they can roll over the reward for use in Feb'25 but not now! I would never have reaped and taken a credit pull hit if not for the agent who promised me the certificate would be mailed if card approved! this is very unethical of CITICARD to do for a long time customer! Am totally disappointed and frustrated. Hernando also had the cheek to tell me to "have a good day" at the end of the call!

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    Customer ServicePunctuality & SpeedOnline & App

    Reviewed March 7, 2024

    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?

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    Customer ServicePrice

    Reviewed March 5, 2024

    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.

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    Customer Service

    Reviewed March 4, 2024

    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!

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    Customer ServiceStaff

    Reviewed Feb. 28, 2024

    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.

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    Customer Service

    Reviewed Feb. 17, 2024

    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..

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    Customer Service

    Reviewed Feb. 13, 2024

    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.

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    Customer ServiceStaff

    Reviewed Feb. 13, 2024

    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.

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    Customer ServiceStaff

    Reviewed Feb. 12, 2024

    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.

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    Staff

    Reviewed Feb. 7, 2024

    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.

    Much to my dismay, Citi has not been willing to communicate with me at all regarding the matter. In fact, after applying for a new card, I received a rejection notice that said "the credit privileges on your account(s) are currently restricted" and indicated that the credit reporting agency" will not be able to provide specific reasons why we denied your request." I had held my personal card with Citi for 31 years, with a perfect record of payments, with what I consider significant volume on both my personal and business cards. The inability to talk to a person about this matter is beyond frustrating, and what I consider to be exceptionally poor business practices.

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    Reviewed Jan. 28, 2024

    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.

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    Price

    Reviewed Jan. 27, 2024

    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!

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    Customer ServiceStaff

    Reviewed Jan. 17, 2024

    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.

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    PricePunctuality & SpeedStaff

    Reviewed Jan. 16, 2024

    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.

    From September to now my credit scores have taken a huge hit, dropping by more than 100 points. All this because Citi wanted that higher interest rate. They intentionally attack me and my credit by decreasing my limits for no apparent reason. Instead of my debt to credit ratio being below 30%, it now looks like 96%. This is aa blatant attack on their own customers to raise interest rates while tanking credit scores. I have since paid off 3 cards from Citi and closed those accounts and soon I will be paying off the others and closing them as well. If you want my advice, DO NOT apply or use any Citi product. I am speaking with my state and federal representatives to find out if any of this is legal.

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    Customer Service

    Reviewed Jan. 15, 2024

    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.

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    Verified purchase
    Customer Service

    Reviewed Jan. 13, 2024

    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.

    A coral company that I ordered $400.00 of corals from never shipped the coral, crabs and snails to be shipped per the website at $40.00 shipping through UPS overnight since they are temperature and salinity sensitive, they come in insulated timely delivered box. After not hearing from the seller despite my emails, calls, and texts, I disputed the charge. Citibank after a "thorough investigation" just replaced the charge. When I asked them how they decided the charge was valid, they said the merchant claimed it was shipped. I asked them about what shipping information the merchant provided so I can file a claim with UPS. Citibank never asked for it and the seller will not respond so Citibank is asking me for more evidence to dispute the charge. If you had done your job and simply asked for the shipping information this review would not be up and my time would not be further wasted or a fraudulent charge on my card.

    Your dispute department is as useless as the fraud department with the dispute since the items were not shipped, and I was not provided any of the UPS tracking information. Citibank said the statements were similar to arbitration proceedings during my dispute, well then, the lying and false records of the merchant should be handled by the fraud department that seems to deny the issue now. Citibank is useless and now only my travel/rental car card for the protections it might provide if needed, I am just not sure it is actually there if needed.

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    Contract & TermsSales & MarketingPrice

    Reviewed Jan. 3, 2024

    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?

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    Price

    Reviewed Dec. 26, 2023

    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.

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    PriceStaff

    Reviewed Dec. 17, 2023

    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??

    What control does anyone have over someone at Citi suddenly deciding they only get 20% of their original credit limit - NONE. Zero reasoning. I have an Apple card & Capital One card... they have never lowered limit my 25 years. My score has only ever IMPROVED. Feels like Citi needs to get their own house in order and until they do -- PLEASE DO NOT OPEN AN ACCOUNT WITH THEM!

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    Punctuality & Speed

    Reviewed Dec. 15, 2023

    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.

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    Customer Service

    Reviewed Dec. 15, 2023

    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.

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    Customer ServiceStaff

    Reviewed Dec. 9, 2023

    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.

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    Customer ServicePunctuality & Speed

    Reviewed Dec. 7, 2023

    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 have never had a late payment on any of my cards that were open. Then I paid off in full one of the $8k cards so I could get my score up, (687) took Citi over 60 days and me reporting them to TransUnion that it was in fact paid in full. Today they dropped my limits again and told me I could not receive an increase for 6 months because of the credit change. I said, "Your company keeps shaving $200 every other month", she said, "That is not true." I said, "I have proof." She said they will not decrease or increase within 6 months. I SAY THEY LIE because I have the letters proving they did just that.

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    Reviewed Dec. 4, 2023

    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.

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    Verified purchase
    Customer ServiceStaffProcess

    Reviewed Dec. 4, 2023

    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!

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    Customer Service

    Reviewed Nov. 27, 2023

    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.

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    Customer ServiceCoverageSales & MarketingPricePunctuality & Speed

    Reviewed Nov. 26, 2023

    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.

    Secondly, the monthly finance charges and late fees are beyond comprehension. I've set up auto-pay to ensure that my payments are always paid in full and on time. However, like clockwork, these unnecessary charges are applied each month, and I find myself having to call their customer service to beg for refunds. It's a ridiculous game they seem to be playing, preying on those who may not closely monitor their spending, and it's nothing short of unethical. This credit card issuer's deceptive practices and complete disregard for its customers are disgraceful. I wouldn't recommend this card to my worst enemy. If you value your time, money, and sanity, stay far away from this financial nightmare.

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    Punctuality & Speed

    Reviewed Nov. 19, 2023

    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.

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    Customer ServiceStaff

    Reviewed Nov. 16, 2023

    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.

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    Staff

    Reviewed Nov. 9, 2023

    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.

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    Customer Service

    Reviewed Nov. 1, 2023

    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 for one said it's enough!!!! I've canceled my 2 Citi cards (took a hit on CreditKarma and Experian scores), but it's worth it to cancel CITI!!! I've passed it along to family and casino work friends. It seems obvious Citi don't care to fix this... So I think YOU ALL should move on/cancel(transfer balances) instead of complaints as I did.

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    Price

    Reviewed Oct. 26, 2023

    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.

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    Customer ServiceStaff

    Reviewed Oct. 20, 2023

    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.

    In the end, manager talk to me, not even apologised and tell me the same and I need to wait to get a letter. I wait another month. I didn’t receive a letter so I called to customer service. I had the same situation like last time but now the manager hang up the call on me!!! I was so mad. I called to cancel the card and I have hard time to do that, they tried to make me not to cancel. Not even apologies!! Customer service so horrible, not even trying to help or at least give a right answer.

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    Customer Service

    Reviewed Oct. 17, 2023

    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.

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    Customer Service

    Reviewed Oct. 17, 2023

    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.

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    Customer ServicePunctuality & Speed

    Reviewed Oct. 15, 2023

    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.

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    Customer Service

    Reviewed Oct. 9, 2023

    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.

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    PriceStaff

    Reviewed Oct. 9, 2023

    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!

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    Customer Service

    Reviewed Oct. 5, 2023

    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 had a dispute with a merchant charge in late August. I immediately reached out to Citi. I got zero response from them, and in about a week the dispute was closed with no reason. I called in and I was told that the dispute was not able to be reopened and I that I needed to email a certain department. This call took about 15 minutes and I was forced to talk to several different departments, one that I strongly feel was not even in the US.

    I sent an email to the department that I was told to do so. I submitted supporting documents. Again, after about 10 days I called in to see what was happening. I got no response that the email had been received. When I called in I was told that I would get a response in just a few more days, which I did not. This call also took about 15 minutes and I had to talk to two departments.

    At this point I was getting annoyed. This kind of card with a $595 fee should have better customer service. I called for the third time and I was told that the second dispute was also closed with no correspondence from Citi. I asked why and was told that there were no notes, and they could do nothing to help me. They then offered (bargained) with me to take a $250 payment when the disputed charge was for $396. I was furious. I felt like they were implying I was trying to get something for free, when the charge was 100% not authorized by me. I told them I wanted to cancel all my Citi accounts and they did not even try to save my business. This call took 51 minutes, four departments and again I was sent out of the US.

    To make this situation even more comical, they applied a $250 credit to a charge that wasn’t even disputed. I have had disputes with Chase and American Express with zero issue. The responses I got from them were more of “we are sorry this happened, we will credit your account right away.” With Citi they basically implied that I was the one that was wrong and that I should be grateful for the $250 “Gift.” I have already paid my yearly fee, but rest assured I will not keep my accounts open for the next year.

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    PricePunctuality & Speed

    Reviewed Oct. 4, 2023

    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 did this transfer to gain the zero interest for 18 months and have a small min payment. Citi has since created a total nightmare for a very hard working single mom who pays bills on time and has been working very hard to get my credit score up. They could care less and are doing nothing to help fix this. I highly advise to NEVER use Citi for ANYTHING. I'm going to get my money out of Citi as soon as I can.

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    Customer Service

    Reviewed Oct. 3, 2023

    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.

    Well, after two months, I decided to give up and they refused to also send me a letter advising me why I didn’t qualify for a new card or whatever reason they had for not giving me one. Will never do business with them again. And even after closing the account every other week I get a envelope from citi, saying the prequalified for a Citi card and all the new rewards. What a laugh. Beware of such an outfit. If I could give them a zero rating I would, so they got a one star from me.

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    Customer ServicePriceStaff

    Reviewed Oct. 2, 2023

    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!!

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    Customer ServiceStaff

    Reviewed Oct. 2, 2023

    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.

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    Customer ServiceCoverage

    Reviewed Sept. 29, 2023

    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!

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    Sales & Marketing

    Reviewed Sept. 29, 2023

    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.

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    Customer ServiceStaff

    Reviewed Sept. 29, 2023

    Folks I’ve been a Citi card customer for a couple of years. I had all my son as authorized user. I called Citi to remove him because his lender Underwritter is closing on a new home purchase requested it. Somehow this Citi card is unable to send a rooter via email or any other secure manner indicating he has been removed. I requested a fax and here we are 3 days letter still no fax. Also a letter by regular mail Nothing received yet. Even though I explained this is the only

    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.

    It is evident by the 10 calls I’ve made to Citi over the span of 10 days that they simply Do not care about customer service. In fact the majority of the customer service representatives had a total lack of empathy and care for our satisfaction and an utter disregard to help us. In fact some of them demonstrated complete apathy to our needs. I’m to say the least extremely disappointed that in today's DNA and considering the technological resources this credit card company had they have an utmost Disregard for customer service. I will be cancelling the Citi Credit Cards as they provide zero benefits compare to other companies that do have excelled customer service experiences.

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    Customer Service

    Reviewed Sept. 29, 2023

    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!

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    Customer ServiceStaff

    Reviewed Sept. 27, 2023

    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 call back again and was told I will receive a letter in the mail for verification purposes. I have put this card on for some autopayments and they have locked my card. I went online to see if I can see that letter online but it is not even there. The reps they have; they don't try to solve the problem but they try to make things way harder than they already are. I will make sure not any one in coming generations get this card or any of this card siblings or parents or any of their relative.

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    Price

    Reviewed Sept. 25, 2023

    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!

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    Customer Service

    Reviewed Sept. 24, 2023

    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.

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    Customer Service

    Reviewed Sept. 20, 2023

    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.

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    Customer Service

    Reviewed Sept. 8, 2023

    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.

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    Customer ServiceStaff

    Reviewed Aug. 29, 2023

    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.

    After I got off the phone with Citi, I called another credit card company, and they gave me the advice to call TransUnion so I wouldn't be locked out of their card.....what an incredible difference in customer service!!!! Citi Visa credit card Representatives are heartless!!!! I'm Incredibly Disgusted With The Unempathetic; Uncompassionate Customer Service that I received from the representative who had The Teenager Attitude Of "Whatever”, Not My Problem Lady"... Her attitude was "You Are Now Locked Out and too bad but you Have To Wait Weeks To Get Another Card….Not My Problem”!!!! “They don’t pay me enough to care lady.”

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    Sales & MarketingPunctuality & SpeedOnline & AppReliability

    Reviewed Aug. 19, 2023

    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.

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    Customer Service

    Reviewed Aug. 17, 2023

    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.

    It is frustrating that a big company like Citi has such a poor security measure to protect their customers. As frustrating as it was dealing constantly with this issue, it was just as frustrating understanding some of the CSRs and the amount of time it took to get the issues resolved due to the language barrier. I did not want to leave Citi after being a customer for so long but it was the only option to end this misery. No more calls to the call to explain myself about something that they should already know if read the notes in the system. I am so relieved for making this decision tonight!!

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    Customer ServicePrice

    Reviewed Aug. 13, 2023

    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.

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    Customer ServiceStaff

    Reviewed Aug. 10, 2023

    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.

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    Customer ServicePunctuality & Speed

    Reviewed Aug. 3, 2023

    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.

    When they transfer me back, it seems that there is no communication between the department. Customer service doesn't know what a spend limit is and I need to speak to line management. Line management has no clue and transfers me back to customer service. Nothing was resolved. I ended up using my Amex Personal Platinum instead. Horrible painful time consuming experience. Avoid Citi Premier Card at all costs & thank me later.

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    Reviewed Aug. 1, 2023

    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.

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    Customer Service

    Reviewed July 18, 2023

    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!

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    Customer Service

    Reviewed July 10, 2023

    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.

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    Punctuality & SpeedStaff

    Reviewed July 4, 2023

    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.

    I feel like I was racially profiled because again, there are ZERO late pays on my credit reports, ZERO BK's and they were provided with documentation proving what had happened regarding their payment. As soon as I found out, I not only made the current payment that was missed, but the following months as well. After they went through their review, they told me if I made a sizable payment then they could possibly restore my line to the original amount. All this goes to do is throw customers credit report out of whack, because these companies knock your line to basically what you owe them, putting you way over the 50% where you should be, and where I always try to stay. This is not right, and this happens to many people of color and the system needs to be changed. I was not asking for a handout, and provided them legitimate documentation of what happened and this should and needs to be corrected.

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    Customer Service

    Reviewed June 22, 2023

    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.

    On 6/22/23 I explained to an Extremely Rude Probate Dept. Employee ID#** that this was not a high priority item and that's why it took so long to request. Besides, the rewards were over $300. Then, I was hung up on when I asked to speak to a Supervisor. Those thieves are keeping the money! Stay away from Citicards. It is a Corrupt company with deceptive business practices and has the Worst Customer Service!! Take your business to Capital One or elsewhere.

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    Reviewed June 11, 2023

    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.

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    Customer Service

    Reviewed June 9, 2023

    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.

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    Customer ServiceStaff

    Reviewed June 3, 2023

    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.

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    Customer ServiceStaff

    Reviewed May 11, 2023

    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.

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    Customer ServiceStaff

    Reviewed May 9, 2023

    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*.

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    Price

    Reviewed May 4, 2023

    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.

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    Customer ServiceSales & Marketing

    Reviewed May 2, 2023

    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.

    Original Review: My Citi Business MasterCard allows scammers to add charges to my card. It’s between them and the bank. I have my card and no knowledge of the scam charge. Called Citi to remove the charges and, bingo, they remove my card. Never mind 30 years, and a million $ in transactions. What law allows them to process scam charges in this manner? I believe regulatory agencies should get involved. Consumers are sitting ducks for fraudsters. Maybe the whole system of credit cards should be revised.

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    Customer ServicePricePunctuality & Speed

    Reviewed April 19, 2023

    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.

    I was told it was my responsibility to make sure that the bills were paid, even though the account was closed and I was unaware of the charge that was made AFTER I closed the account. They were willing to remove one late payment fee but that was it. I can see missing one statement from them but several? I paid the balance and will never do business with them again. I had called 3 other credit cards that I had and paid them off as well as closed my accounts with them also.. Citicard was the ONLY one I had trouble with.

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    Customer ServiceStaff

    Reviewed April 14, 2023

    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.

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    Customer ServicePrice

    Reviewed April 12, 2023

    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 finally reach someone 5 days from the APP date & they congratulate me with my Approved application for my NEW Diamond Preferred Citicard with a credit Limit of 3K! There's NO mention of a balance transfer but they told me I can apply for a credit limit increase in 3 months! Like I'm some college student establishing my credit!? Needless to say this Diamond Preferred Citicard will be cut up in tiny pieces when it's received & the account, ALL MY ACCOUNTS, with Citicard will be cancelled. Don't waste your time. They even have a Citi-Bot now so human interaction is being faded out. Stick with a Financial Institution that recognizes your existence & your business. Citicard is NOT one of those institutions. I wasted my time at Citicard.

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    Customer Service

    Reviewed April 7, 2023

    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.

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    Customer ServicePriceStaff

    Reviewed April 6, 2023

    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!

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    Reviewed April 2, 2023

    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.

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    Customer Service

    Reviewed March 28, 2023

    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.

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    CoverageSales & Marketing

    Reviewed March 28, 2023

    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.

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    Customer Service

    Reviewed March 19, 2023

    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!

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    Customer Service

    Reviewed March 17, 2023

    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.

    Then the nightmare starts - "you can't use this number, do you have another?", "no, this is the only have I have and it is in your records", "ok sir, I'm happy to inform you that you have failed to pass the verification and your account has to be blocked. You may receive mail from us on your address within 7-14 business days with the steps on how to pass the verification, thanks for been loyal customer for so many years! We are always happy to help you! Bye". For long I couldn't realize what happened, what was my fault, where I failed... And the I totally get it, yes I failed! I failed to find a normal bank. Btw, in the next minute I used CC from other bank, 1st attempt failed, got email asking to confirm attempt and try again, I confirmed and paid with 2nd attempt. Just 60 seconds and no account blocked for months.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed March 6, 2023

    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.

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    Price

    Reviewed March 3, 2023

    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.

    I consider this to be a very deceptive business practice by Citibank. Of course, if you do take the offer it is important to not forget when the offer ends and to pay things off early. If you know what you are doing it could be OK, but I think they are counting on clients misunderstanding the offer. I did until I read what they sent me in a link in a text message several times. BEWARE.

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    Reviewed Feb. 28, 2023

    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.

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    Price

    Reviewed Feb. 10, 2023

    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!!!

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    Customer Service

    Reviewed Feb. 8, 2023

    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.

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    Customer ServiceStaff

    Reviewed Feb. 3, 2023

    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 have never had a credit card wait almost a month to give me credit after my payment so I can use it and have never had a tiny limit. I don’t know why they send me a offer to apply. Only reason I did it was to get the 200 bonus but at this rate I don’t know if it’ll happen since they take forever to give me the credit back and need to spend 1,500 to get the bonus. Customer service isn’t any help and even one of the rep agreed they had no idea why my limit was so low and why my payments were taking too long to credit. They sure take it out of my account within a day but need almost 4 weeks to clear. That’s just ridiculous.

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    Customer Service

    Reviewed Jan. 28, 2023

    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.

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    Customer Service

    Reviewed Jan. 25, 2023

    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.

    A month and a half into it still doesn't hear back from him. Call him again. It's still on my bill. Still on my credit report. They've not done anything. I finally got a sympathetic wrap on there at that called Best buy and told me that she seen nothing in there where they had contact and apologized for the company. It seems to be to me Citibank doesn't care as long as they know they're going to get paid regardless because I was lied to look like to all all two months. It seems like and then when I called to ask if the money was refunded. The lady got snotty with me so I canceled the credit card today. I will never deal a Citibank again. You're liars. Unsympathetic. Two months to resolve something that you guys did to resolve. I had to resolve after you lied to me two whole months for $163. It should never have been there.

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    Customer ServiceStaffProcess

    Reviewed Jan. 17, 2023

    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.

    This whole process has been a complete waste of my time. What is truly unfortunate and unfair to me is that I was going through all of this so that I could use my card for upcoming travel and because Citi took months to even process my application I couldn’t use the card on my travel and missed out on the American Airlines points that I got this card for. Seriously has been such a pain. Not only that, but since I waited extra days to book the flights due to the promises from the phone Citi agent that my new card would arrive I ended up paying an extra $160 for my tickets all while still not being able to use my card. You really need to get your stuff together because no one should go through this.

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    Customer ServicePricePunctuality & Speed

    Reviewed Jan. 14, 2023

    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.

    Now another 2 weeks later and still no credit showing on my account that they owe me $268.00. I also sent them a year to date statement. showing the issue. I don't use credit cards often so there wasn't much to figure out, that was in Nov and still they haven't been able to figure out that you don't reverse 1 credit 2 x's unless you need to charge a person for the product which I was charged for back in late June. They are very hard to understand wherever they are located and I believe they are trained to just lie and get you off the phone as calling them is a pain in itself and they hope you'll just go away. I have closed this account that I have had several years which did cause my credit score drop also. If they would just refund me with a check I could put this nightmare behind me.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Dec. 10, 2022

    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 was promised to get an expedited delivery, however, the account manager never took care of my request, the credit card was delivered by regular mail which takes 5-7 business days. Of course the authorized card holder didn't get the card on time. When I called on 12/9, spoke with the same rep. who I talked on 12/7, who clearly remembers my request, who promised me did nothing to help, just told me to wait for the card patiently. Not even given a sorry!

    The account manager promised me to expedite it, why didn't she take care of my request? I was counting on her help! How come she promised for two-day delivery but ended up do nothing? My family only use one credit card, do they understand how difficult is it without a credit card handy??? Citi is having their customers to clean up the mess, they don't care about the customer service, they put customer the last.

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    Customer ServicePriceStaff

    Reviewed Dec. 7, 2022

    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!

    We continued to use our credit card with no problem but that evening our card declined again. We called again and they stated there was a fraud alert AGAIN from the original charge that was approved earlier and was NOT a fraudulent charge!!! I explained it all AGAIN and they refused to lift the fraud alert on the card until I received a letter in the mail (they said could take up to two weeks) and verify who I was. HOWEVER.... the charge they said was fraud.... They let it go through because it was verified! What???? I answered every question they asked and was even logged in online and the customer rep refused to lift the fraud alert even though they verified the charge! She refused to let me talk to anyone else and refused to help. We had to wait and call them after receiving the letter and STILL they argued.

    After threatening a lawsuit, they lifted the fraud alert and we can use our card. How could a company do that? While I appreciate them looking out for us, the fraud alert wasn't valid and we told them that, they let the charge go through, but still kept the fraud alert on the card despite verifying every piece of information on the phone and including the letter information. And to add insult to injury, they said even though we couldn't charge anything on the card, we could pay it online! Worst customer service with people that could care less. HORRIBLE!

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    Customer ServiceStaff

    Reviewed Nov. 29, 2022

    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.

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    Customer ServiceStaff

    Reviewed Nov. 22, 2022

    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.

    3 hours and 3 promised callbacks later, I am still waiting for an explanation as to 1) why these were rejected and 2)why I was not notified. My typical experience with Citi has been quite good, but this is inexcusable. I still have no assurance that the experience will not be repeated next time I use Apple Pay via PayPal for my .99/mo charge. Most customer service agents were barely understandable due to accent or connection and most demonstrated they did not understand the problem. Badly done Citi. Looks like you will be losing some of my business.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Nov. 17, 2022

    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).

    I only skipped it because the rep swore that I could. I call to resolve this and the best they can do is say pay my normal 154 and they can make payment arrangements on the other 208. Uhm, I don't need yet another bill and I already pay my minimum due. Why should I have to pay payments, it's not my fault. I spoke to collections, customer service who I told I didn't want payments I wanted it fixed, then another dept for payment arrangements which I said I didn't want and she sent me back to customer service. The 4th transfer he says he can't hear me but yet responds correctly to what I say. I just hung up at this point. I will find a card to transfer my balance to. This company does not care about its customers, apologies every second after they speak over you and not willing to work with people. I'd advise you to RUN...don't get this card.

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    Customer Service

    Reviewed Nov. 7, 2022

    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.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Oct. 17, 2022

    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.

    The Citi representative stated they no longer routinely grant "goodwill" reviews of accounts but they would look at my account due to the circumstances that caused the late payments (an airplane crash!). I have not received any further communication from Citi but they did note on my Experian credit report, "Dispute resolved – consumer disagrees" and there was no change to the status of the two late payments. I have read on several different financial forums that some credit card companies will remove the late payments and mark the missed payments as "no information available."

    After having my Citi credit card for more than 9 years with a perfect pay history, and considering the circumstances surrounding the airplane crash and my injuries, I was hopeful Citi would have a heart and make an exception to their "goodwill" policy and change the May and June 2022 late status to "no information available" but ...

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Oct. 1, 2022

    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!

    So I called again today to try to make another payment and I was told I was unable to make a payment because we have not set up an account online. I DON'T HAVE THE FREAKING CARD PEOPLE! I have never experienced incompetence like this. He told me to pay when I get the card, but now I am going to have a late fee, how is this my fault? You failed to send the card, I went through three people to try to make a payment and got the answer, "I can't do that." For a first time customer, this is not a great way to start off.

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    Customer Service

    Reviewed Sept. 13, 2022

    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!

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    Customer ServicePunctuality & Speed

    Reviewed Aug. 25, 2022

    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.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Aug. 23, 2022

    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.

    That’s what is offered to those recovering from bankruptcy or 18 yr olds getting their first credit card. I am 61 yrs old with 40 yrs of credit history and a household income that is over $300,000/yr. I called to verify this was how they treat good customers and because the entire system is based on algorithms, (I had gone over the 50% mark on my credit lines), the customer service agent couldn’t help me. I closed the account and am writing this as forewarning to others. Citicard is RIDICULOUS.

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    Customer ServiceStaff

    Reviewed Aug. 19, 2022

    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.

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    Customer ServiceStaff

    Reviewed July 25, 2022

    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.

    One particular issue, I mailed my payment in, they held it and lied, stating they did not have the payment for 12 days, my due date was on that 12th day, I called to make a payment over the phone and the agent was unable to process my payment by phone with my debit card. The next day my mail in payment posts. How are they allowed to deceive, mislead, and falsify information to account holders? This bank needs to be DE-LICENSED.

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    Sales & MarketingPrice

    Reviewed July 1, 2022

    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!

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    Punctuality & Speed

    Reviewed June 22, 2022

    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.

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    Customer Service

    Reviewed June 6, 2022

    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.

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    Customer ServiceStaff

    Reviewed June 2, 2022

    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.

    CITI is a really crappy company and phone service is non-existent. The people who answer the phone can not help you. I spent way too much time trying to resolve this and they send letters with wrong information. Again CITI is ** and to be avoided. American Airlines service is not much better. Why would anyone want to try and use these companies any longer. I don't plan on flying any time in the near future but will avoid AA. I certainly do not need the harrasment from CITI.

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    Customer Service

    Reviewed May 5, 2022

    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.

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    Customer ServicePricePunctuality & Speed

    Reviewed April 24, 2022

    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.

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    Reviewed April 21, 2022

    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.

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    Reviewed April 11, 2022

    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!

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    Customer ServiceStaff

    Reviewed Feb. 24, 2022

    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.

    Today, I still have the fraud charge on my new card which they claim needed to post, but that was almost a week ago. They are still investigating this $45.00 fraudulent charge which is now on my new card and I still have not received my new card and have no access online except by phone. The employees they hire are overly polite where they talk to you like you're nothing but an imbecile and don't know any better. If they are unable to assist you they transfer you to another department and that can happen multiple times. It's now 5 days having to deal with this issue which should of been resolved in only one day. I can't believe the incompetence and terrible service Citicard has become. I am tempted to close this account, but will keep the card locked and no further charges will ever be used on this credit card.

    FYI, if you close a credit card, it temporarily drops your credit card score so keep that in mind. My advice to anyone, make sure your credit card is based in the U.S. and does not outsource. This has been an absolute nightmare for a miniscule fraud charge that seems to be too difficult for a big corporation like Citicard to handle.

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    Reviewed Jan. 26, 2022

    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.

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    Customer ServicePriceOnline & AppStaff

    Reviewed Jan. 26, 2022

    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.

    I called citi customer service, suffered citi's interminable phone tree, and finally spoke with a live citi rep ...who informed me she could unlock my card, but only if my spouse (primary card holder) told her to do so. At that time my spouse was in a different location, and the citi rep said she had no other way to help me. The citi rep told me to call back when my spouse was available, and hung up on me.

    I called back with my spouse early on 26 Jan, same interminable phone system, finally talked to a live citi rep, who sent us to the fraud department. The citi fraud rep asked my spouse if citi could send a text message, but my spouse's phone number was not showing up in citi's system, so the fraud rep refused to send a text to the phone number listed in the citi system for our account, claiming "once citi has rejected text messaging for one phone #, citi has to reject all text messaging", even though the rep had not sent an actual text message. The rep instead asked my spouse a series of verification questions. That should have been OK, except the verification questions were not particularly secure.

    The citi fraud rep asked "did you charge $30 at Texas Roadhouse" and "did you have a $50 charge declined yesterday at Costco.com ...oops, that was actually 2 and a half months ago, so how about..." and a similar review of past activity on the account. The manner in which the rep asked the verification questions required only that my spouse answer "yes" to verify our card account. In spite of the poorly executed verification, the rep next proceeded to unlocking my card, but only after first implying that my spouse should not trust me with access to our citi account.

    Eventually the citi fraud rep straight out told my spouse not to trust me regarding access to our online citi account. I doubt the rep understood how absolutely insulting the rep's insinuations and fraud prevention "advice" were to myself and my spouse. The rep was most likely reading from a script ...which would mean it is actually citi corporate policy to advise one spouse not to trust the other spouse. While that advice might be reasonable in specific, limited circumstances, it's a horrible approach in general. Citi should do a better job training their reps about fraud detection, how to phrase card verification questions, and how to discuss fraud with customers ...and to stay well away from badly handled, inadvertent marriage counseling: they are ill equipped in that arena. My spouse and I have been great customers for citi, but this interaction with citi customer service has us ready to close our citi account and find a better credit card company.

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    Price

    Reviewed Jan. 26, 2022

    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.

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    Customer ServiceStaff

    Reviewed Jan. 24, 2022

    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.

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    Reviewed Jan. 24, 2022

    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.

    The second experience was just last year. Our main septic line collapsed in our home, I was in a bad car accident AND last August our central air unit broke and was unrepairable. All of these things completely drained our entire savings and we have had to rely on credit to get by until we can catch up... they did it AGAIN... took away all of the remaining credit that I had. I will NEVER use these cards again and as soon as they are paid off I am closing my accounts, never to do business with this company again. When you need it, they'll take it away every time.

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    Reviewed Jan. 20, 2022

    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.

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    Customer Service

    Reviewed Jan. 12, 2022

    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!!!

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Jan. 5, 2022

    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!

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    Customer Service

    Reviewed Dec. 30, 2021

    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

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    Staff

    Reviewed Dec. 24, 2021

    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!

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    Reviewed Dec. 23, 2021

    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.

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    Customer ServicePriceStaff

    Reviewed Dec. 18, 2021

    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.

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    Customer ServiceStaffProcess

    Reviewed Dec. 15, 2021

    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.

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    Sales & Marketing

    Reviewed Dec. 15, 2021

    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.

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    Customer ServiceStaff

    Reviewed Dec. 7, 2021

    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.

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    Customer Service

    Reviewed Nov. 20, 2021

    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.

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    Reviewed Nov. 17, 2021

    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!

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    Customer ServicePunctuality & Speed

    Reviewed Nov. 15, 2021

    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.

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    Customer ServicePunctuality & Speed

    Reviewed Nov. 13, 2021

    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.

    After weeks of waiting, they sent a letter stating that the case was closed and they were unable to help me. I again spoke with customer service and was reassured that Citicard would handle this. I again got a letter after weeks of waiting that they could not help me. This happened again 4 times and then I got a letter stating that the time period for fraud claims had expired and there was nothing they could do. I got my Citicard with the understanding that I was protected against fraud and that Citicard would help if the need ever arose. This never happened and my treatment and service by Citicard was and has been TERRIBLE! Do not ever count on Citicard to help you!

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    PricePunctuality & SpeedStaff

    Reviewed Nov. 4, 2021

    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.

    I would leave 0 stars if possible. I applied for and received a Custom Cash card due to the 0% apr offer and to potentially consolidate assets. I recently purchased a new home and planned to do furniture shopping. While I can pay cash for the furniture outright, like others reading this, you know that 0% means 0 interest, so my other funds can compound at higher rates and make more $ in the meantime as opposed to paying for furniture in full.

    I have 0 debt beyond a mortgage (4500/m, 2.3%, 15 years), including no carried credit card balances, an 810 Credit Score, 6 figure income, and 6 figures liquid between bank and brokerage, and a spouse with similar income and credit. Despite this, Citi would only approve me for a $6300 limit. After receiving the card, I called Customer Service to discuss raising the limit. After they verified me, went thru the limit inc process, and despite the fact I've been an existing customer, I was denied a limit for being "too new" for Citi. I'm in my 30s and didn't know that a 20 year credit history of no late payments is considered "too new" for them until now.

    I spoke to a supervisor (worthless) that said 'nobody' could help and that it would be months before I'm eligible for a limit increase. In the meantime, I work in the financial sector and will work hard to steer all of my clients, advisor, legal, and CPA partners (and theirs) away from an organization with such poor service, handling, and business sense over a limit increase for an existing client with an 810 score.

    TLDR? Citi rejected a limit increase to an existing client in the industry with an 810 credit score and minimal debt. If you're of similar credit and income as me, Citi will punish our ability to pay on time by issuing small card balances.

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    Punctuality & SpeedStaff

    Reviewed Nov. 2, 2021

    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.

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    Customer ServiceStaff

    Reviewed Oct. 20, 2021

    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+.

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    Reviewed Oct. 14, 2021

    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.

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    Reliability

    Reviewed Oct. 11, 2021

    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.

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    Customer ServiceStaff

    Reviewed Oct. 4, 2021

    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.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Sept. 22, 2021

    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.

    My credit rating with them through Equifax was 802, which accordingly is recognized as exceptional. This was also the score range I maintained before losing my job and incurring medical bills beyond my ability to re-pay, resulting in being forced into bankruptcy. I paid the price for 10 years and expected that my previous excellent credit history would once again be re-established. HOW WRONG I WAS WHEN IT CAME TO CITI BANK, unlike all others. Upon being denied and further research and communication, I was told it was because there had been a bankruptcy which no longer applied (past the 10 year mark). It was no longer included in my credit history; - OR WAS IT?

    With CitiCard it MOST CERTAINLY IS STILL A DETERMINING FACTOR WHEN CREDIT OR CREDIT LIMITS ARE REQUESTED. I'm told they still see it AND they base their decision on granting or denying credit ON THIS CRITERIA. No exceptions. It's not possible to correspond by e-mail on these matters; so, I wrote a letter to Janet Fraser, CEO and mailed it to her corporate office in New York City. I'm also certain she, herself, never read my letter, but her "team" did. This is when I received a call and the gentleman explained WHY they refused my request. NOTHING CHANGED.

    All in all, it's good to know that unlike other financial institutions, Citi Bank chooses to penalize a person for life and refuses to look beyond the past, OR even recognize the (excellent credit history) PRE-bankruptcy period in one's life. Citi Bank sets their own criteria disregarding federal guidelines that other financial entities abide by. If it weren't for taking a ding on my credit score by lowering the ratio of credit usage to availability, Citi Card would be the first card I would choose to close. Sadly, it would again serve as a penalty if I closed this account. Something is terribly wrong with HOW our system works.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Aug. 14, 2021

    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!

    I just paid off one card they now owe me five dollars! My credit was reviewed by an "Automated Consumer Interview System" via Equifax. A STUPID computer bot decided I should have my credit cut off! REALLY! Since my Equifax Report is Frozen I'm not sure where they conjured up this nonsense. I've just gone through every line of my credit report and there is nothing I repeat nothing derogatory to prompted you to do such a hideous thing.

    When I called them no one wanted to take responsibility and there was no one connection with this to speak with. CITICARD reviews by using an "Automated Consumer Interview System." 15 years of credit history gone because of artificial intelligence, And I use that term loosely! A computer bot decided I should have my credit cut off! I want to let everyone know about Citicard's egregious behavior and the treatment of the senior clients. When considering an credit card for your business or personal use, this is not the one to choose, there are many other companies that value their long-standing clients. CITICARD IS NOT ONE OF THEM…

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    Customer ServiceStaff

    Reviewed Aug. 3, 2021

    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.

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    Staff

    Reviewed July 31, 2021

    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.

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    Customer ServicePriceOnline & App

    Reviewed July 18, 2021

    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.

    The calls were taken from someone's house in a foreign country. Phone reception was horrible and they could not elaborate on reason for not reactivating and would not put a supervisor on the line. I was told I would have to wait for a physical letter to arrive to reactivate. They are making it very difficult to get my bonus miles. I am very disappointed in Citi in just 3 weeks of holding the card. I will continue to post as the experience continues. As of right now I wouldn't bother with their incentives and would not recommend their cards or services.

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    Customer ServicePrice

    Reviewed July 7, 2021

    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!

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed June 7, 2021

    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.

    I then wrote a letter to their new CEO, Jane Fraser. That was like once again talking to her Customer Service team. I would get a response from THE EXECUTIVE team with exactly the same response as I already had. By the time they closed my accounts, they wanted almost $6,000.00 from my normal payments of about $300.00. One of Ms Fraser Executive team called me and we went over the issue. She advised me that she would look into my inquiry and get back to me within 24 hours. After 24 days.... I called her back & had to leave a voice message. Great Customer Service. So at the end of all this, Citibank ruined my credit by sending all 3 accounts to collection agencies. Also sent late notice to all 3 Credit Agencies. Then they closed all my accounts. So Thank you Citibank for ruining my Credit.

    Fast Forward to last month, I had to wait almost a year to get anyone to re-finance my mortgage. We closed on May 19, 2021 & received all the checks the next day. I immediately went to the Post Office to mail out the checks ASAP. Over the next couple of days, I continued to monitor my accounts to ensure the checks were applied and my accounts were all ZERO. Well as you can imagine, everyone received the payments on or before May 24, 2021. On June 4, 2021, my Citibank account still had a balance. I called & gave them the date the check was cashed & that here is the big surprise, the company that did our refinancing used CITIBANK and their bank. So check was drawn on Citibank, sent to Citibank and can not be found.

    Today (June 7, 2021) I called Citibank to ask why my account has not been credited from May 24, 2021 when the check was cashed. Here is the latest, "We can not find the check and are you sure it was cashed by Citibank." I once again gave them all the information from the back of the check to help them. Now they are sending me a form to fill out to get money that should have been in my account almost 2 weeks ago. I think this is a shame that they can give me this response, going from Citibank to Citibank. I am guessing someone that works for Citibank is now $5,140.00 richer. I am not backing off that comment since you can not tell me that within 2 weeks, 3 phone calls & out that amount of money that no one can find.

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    Customer Service

    Reviewed May 19, 2021

    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.

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    Customer ServiceStaff

    Reviewed May 18, 2021

    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.

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    Reviewed May 11, 2021

    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..

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    Customer ServiceOnline & AppStaff

    Reviewed May 6, 2021

    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.

    You do finally get a brainless customer service rep that has no idea how to fix. Then I asked for the IT department who then told me that what I was told isn't available and their website is not updated. Fine. Every time I pay off the card, they reduce my credit limit. I have above average credit and only 2 cards other than Citi. Plus, who told them to pull my credit. I didn't. So I paid them off again. I will never use this company in any way, fashion or form. I advise everyone to stay away from this credit card.

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    Customer ServiceStaff

    Reviewed May 3, 2021

    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.

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    Reviewed April 23, 2021

    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.

    After receiving the report I contacted Citi card again and the card was reissued. My fico score three months ago from Citi card came back at 840. Big surprise, again, I am being denied for a new credit card. I have never been disrespected in my life as I am by this company at the age of 78. This credit card company or any other credit card company never had a problem receiving their payment from me. The only reason I have this credit card company because of Costco and the cash back benefit BUT it's not worth my aggravation. I already cut back on my purchases this past year because of the treatment I endured and I am done with this company. Both Citi card and Costco lost a excellent customer.

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    Customer ServiceStaffReliability

    Reviewed April 10, 2021

    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.

    New card arrives, but it turns out the first one was fine, instead they had placed a BLOCK on the card for fraudulent activity. All I did was try to take out $100 cash and get gas. What is fraudulent about that?? It was an additional 7-10 days waiting for another letter to verify my identity. It came, I called, they said, "Oops we sent the wrong letter, you'll have to wait another 5-7 days for another letter to verify who you are before we can unlock the card." This is insane! To add insult to injury the customer service sucks! I've never called a company and EVERYONE I talked to was rude or impatient. Found myself telling the clerk to "have a good day", isn't that her job? I read the horrible reviews on this card/bank and wish I had listened. You've been warned. Don't mess up your good credit with these guys.

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    Staff

    Reviewed April 1, 2021

    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.

    After we complained to the company, they finally agreed to open an account, but made the limit 2000. This is ridiculous. The requirement for the bonus points for this card is that you spend 4000 to earn them. Kind of tough to do with a lousy 2000 limit! Why they treat long-time, loyal customers like us so poorly is beyond me. Their policies are ludicrous and a 2000 limit is like a joke - what use is a card with this tiny little limit? We are closing ALL of our Citibank accounts immediately. We get treated MUCH better by Chase. We are DONE with Citibank. PERIOD.

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    Reviewed March 31, 2021

    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.

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    Customer ServiceStaff

    Reviewed March 29, 2021

    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????

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    Customer ServiceStaff

    Reviewed March 19, 2021

    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.

    Then not even a week later I received an email promotion. I was suspicious, but there was no way to communicate this by email because....THEY DO NOT HAVE AN EMAIL ADDRESS. WHAAAT? And I'm not willing to talk on the phone any more. No, I have lost my trust in Citibank and will not do business when it is this much trouble. Will be cancelling my card soon because I don't trust it.

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    Verified purchase
    Customer ServicePunctuality & SpeedOnline & AppStaff

    Reviewed March 11, 2021

    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.

    The wonderful lady that helped me had a confusing hard time trying to explain how/why would this account be closed since it clearly shows me placing hundreds of dollars into it monthly. In summary, my account was closed because of their 6 month review of new customers. Where mine showed two payments that did not go through, but was paid immediately and then paid off nearly every month. No late fees and no balance held over. Can CITIBANK be trusted-NO. Reading most reviews on the pictures attached were of minorities. I would suggest looking elsewhere. Also, I’m still waiting on my funds to be returned.... and nothing!

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    Customer ServicePunctuality & Speed

    Reviewed March 10, 2021

    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.

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    Reviewed March 10, 2021

    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.

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    Punctuality & Speed

    Reviewed March 4, 2021

    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.

    This hits when your debt to income ratio looks like you haven't made a payment since you opened your account. As of right now they've made it look like I have only paid $188 instead of $3300! I hate these practices, especially when you're paying DOWN your debt only for them to treat you as you haven't. I would love to know if this is legal, but at this point I'd just warn anyone to never get this card in case you have to ACTUALLY go have your credit, so their excuses are "Credit Inquiries", we all know if you go get a card they hit your credit 3-4 times, my daughter's engine tanked due to some dealership recall and lawsuit, so I HAD to get her another car, w/ her cosigned to continue to build her credit.

    I was hit 4 months later and had to get another car, so how in the nerve do they not take in to account that no time in my dealings or my credit history do I have late or missed payments. If you can help it, DO NOT USE CiTi CARD, if you have to DON'T PUT ANYTHING ON IT! They'll just check your credit every 6 months and decrease your limit hurting your debt to income ratio and making it look like you're not making any payments. I know life happens but these practices are harmful to the users. No one should have to be made to feel like they're not being responsible or perfect during this times, but if you're doing the right thing, they will still SCREW YOU! DO NOT if you can help it USE THIS CARD!

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    Customer ServiceStaff

    Reviewed March 1, 2021

    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.

    Call 3 - 5 minutes of dealing with phone tree - then reached another Filipino rep who told me about the technical support number (800-347-4934). Call 4 - Called technical support number which is NOT a tech support number really. You still have to listen to 12 minutes of garbage phone tree info again. Through this time, I was unable to connect to a person - no options at all despite me saying, "operator", "representative", "help", "assistance", etc, over and over again.

    Finally, if you're still on the line, they start giving tech support options, rather than connecting you to a real person. I spend another 4 minutes listening to options that don't apply to me ("push 9 if your option was not in this list"), over and over again, I'm pushing 9 until I hear the correct option. By now it's 16 minutes on this call... At the end the advice was worthless, so I have to hang-up AGAIN...

    Call 5 - I can't even remember all the problems with this call.... but I'm sure at this point I'm crying... Call 6 - After dealing with the phone tree and listening to my account balance (etc) AGAIN, for MINUTES, I reach another Filipino operator and, due to language difficulties, ask to talk to a US assistant, am put on hold for 2 minutes, then another Filipino operator comes on. I ask again to speak to the US, but realize her English is good enough that I can understand her. So she looks into the problem and finds out that I no longer have an on-line credit card account and need to create another one. Boom - there's my answer.

    Why kind of EVIL BUSINESS MODEL of keeping people on hold as long as possible to SAVE MONEY on representatives is acceptable now in our society? It's hateful. I am seriously wondering if I want to keep a credit card from a company that does this to people.

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    Customer Service

    Reviewed Feb. 15, 2021

    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.

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    Price

    Reviewed Feb. 6, 2021

    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.

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    Customer ServicePunctuality & Speed

    Reviewed Feb. 1, 2021

    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!

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Jan. 27, 2021

    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.

    So I called Citi Visa. Patiently spoke to the 1st line Customer Support person. Then asked for a Supervisor. "Lisa" (based out of Arizona) was the Supervisor on duty. Note, I have 40 years in software development experience and two degrees, Bachelors and Masters, in Computer Science. So when "Lisa" told me there was *** NO WAY *** to override the lock on my account, I was DUMBFOUNDED! What?!?! Yep. I said to "Lisa" is Citi Visa *REALLY* going to hang up on a 25+ year, devoted, loyal cardholder member in the middle of a COVID-19 pandemic and tell me "Sorry, your only option is to send us more money...?!"

    The thing is I had already sent Citi Visa $5000 (!!!!) which brought me within $300 of my limit...and Citi Visa just turned me away! :'( So yes, after 25+ years of this being the **** ONLY **** card in my wallet, I will be applying for my CapitalOne MasterCard or perhaps go back to AMEX. Citi Visa does not care about its card members! DO NOT GET THIS CARD!!! Find a credit card provider that ***REALLY*** cares about its members!!!

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    Customer ServicePricePunctuality & SpeedOnline & App

    Reviewed Jan. 17, 2021

    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."

    1. I have been making 4 times the minimum payment with Citi and have NEVER been late on payments.

    2. I have a Citibank Visa Platinum and a Citibank Costco card. Apparently TWO credit cards are too many.

    Several attempts have been made to contact Citibank via email, chat, and phone. Either the website is a nightmare with the constant "technical difficulties," Citi has not responded to my email inquiries, or they never answer their phones. Once I pay Citibank Costco and Visa Platinum off, I will be cancelling both cards.

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    Staff

    Reviewed Jan. 15, 2021

    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.

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    Customer ServicePunctuality & Speed

    Reviewed Jan. 7, 2021

    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 know they are supposed to report to the credit bureaus on a certain day of the month and I even called them to verify which day they report and I made sure to keep my account at a zero balance for several days before and after the date I was told so I could improve my credit but that didn't happen. I called them to find out why my payments were not freeing up my available credit for up to 2 weeks and I was told my bank wasn't clearing my payment so I did a three way call with Citibank and my bank to verify the payments were clearing my bank account on the day I made them or the following day which they were and Citibank just said "Oh I will look into it."

    I was told in December after waiting 2 weeks for my payment to clear that I would have to wait another week due to their policy so I cancelled my account and that was on December 2, 2020 and I still have not received my refund from my deposit account and when I call them I was told "it's in the mail" since December 10, 2020. Even though the USPS has been slow in delivering packages I have not had to wait over a month for a letter. STAY AWAY FROM THIS BANK. It is the absolute worst bank I have ever dealt with.

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    Customer Service

    Reviewed Dec. 13, 2020

    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!

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    Punctuality & Speed

    Reviewed Dec. 5, 2020

    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!

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    Customer ServiceStaff

    Reviewed Dec. 2, 2020

    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.

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    Reviewed Nov. 29, 2020

    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.

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    Reviewed Nov. 29, 2020

    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.

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    Customer Service

    Reviewed Nov. 21, 2020

    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.

    The fraud was established with overwhelming documentation immediately after the purchase, and it is Citibank that prolonged the process. Citibank is NOT interested in representing their customers. I have a Chase Credit Card and have NEVER experienced inadequate customer service. I have cancelled my Citibank Cred Card, and I will NEVER deal with this bank again. If you want customer service that you are rely upon, do NOT get a Citi bank Credit Card. Any institution that supports fraudulent merchants, (Clickstreet has numerous negative reviews), is NO credible lending institution.

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    Punctuality & Speed

    Reviewed Nov. 12, 2020

    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.

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    Punctuality & SpeedOnline & AppStaffReliability

    Reviewed Nov. 5, 2020

    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.

    Constant problems trying to log in to my account. They keep sending me statements by mail when it clearly shows on the website that I want paperless statements. Nothing has worked since I've got this card. I have other cards that I've had for years with no problems at all. Based on my experience I can't recommend this card to anyone. My good reputation and credit history seem to count for nothing. I can't trust them to honor their word. You'll never know until you make a charge that suddenly what you thought was available just isn't. They don't value their customers. If you like headaches...

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    Reviewed Oct. 31, 2020

    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.

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    Price

    Reviewed Oct. 31, 2020

    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.

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    Customer Service

    Reviewed Oct. 30, 2020

    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.

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    Reviewed Oct. 30, 2020

    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.

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    Reviewed Oct. 29, 2020

    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.

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    Customer Service

    Reviewed Oct. 29, 2020

    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.

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    Customer ServiceSales & MarketingOnline & AppStaff

    Reviewed Oct. 28, 2020

    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).

    A few months later, after wrangling with the seller online (to no avail) and with PayPal (lots of promises of help, but ultimately no help in getting a refund), I contacted Citicard... and received lots of help, good, professional help. I submitted the requested documentation online (easy with their online systems), was issued a provisional refund after review, and waited for the seller to respond to them. The seller essentially refused the return shipment, then lied and said they hadn't received it. Citicard told me my claim was denied and the refund cancelled, but offered me a chance to submit additional supporting documentation regarding the return shipment, which I did.

    After a review of the additional documentation, they reinstated the provisional refund, contacted the seller and must have said, essentially, "How do you explain this?" One month later, the provisional refund became permanent. When no one else will help you and you're about to see over $600 go down the drain, having Citicard on your side is a lifesaver. When their webpages say, "How can we help?" it's not just an advertising slogan. They helped when no one else would.

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    PricePunctuality & Speed

    Reviewed Oct. 28, 2020

    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.

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    Price

    Reviewed Oct. 27, 2020

    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.

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    Customer Service

    Reviewed Oct. 27, 2020

    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!

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    Citi Credit Cards Company Information

    Company Name:
    Citi Credit Cards
    Website:
    www.citi.com