Citi Credit Cards Reviews

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

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

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

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

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

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

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

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

I was booking a flight on American Airlines App, logged-in as an AA member. On the payment page the AAdvantage Citibank credit card option came up so I clicked on the link and applied, fully intending on paying for the flights with the AAdvantage card. The App glitched and sent me to a page to select the Citibank card I wanted to apply for. I selected AAdvantage again and had to reenter all of my details. I completed the application and submitted. Meanwhile, on the AA App, I put the flights on 24 hour hold, because the option to pay with the new AAdvantage card did not pop-up on the payment page. 30 minutes later I received a text indicating that I had a freeze on my credit file (which I keep because of fraud) so I logged onto my credit reporting site and unfroze my credit card within 5 minutes of receiving the Citibank text.

I have an LL Bean MasterCard that originates from Citibank. Believe it or not, when I go online to check my balance, the website does NOT reflect any pending purchases I've made from the time they issued my last statement. If I have, say, $500 of transactions I've made since the last statement (and I've paid off that statement), the website will show that my current balance is $0. This is insane, and my other non-Citi Visa and Amex cards always let me see my recent transactions (including pending transactions that haven't fully posted to my account). Citibank prefers to let me sit in the dark, clueless about how much my bill will be. Anyway, I don't use this card much because of this reason.

I was speaking with Citibank customer service after making a two thousand dollar payment to my account. And the rude lady just hung up, didn't see if I had any other questions.... didn't make sure I was satisfied... Didn't give a d*** if I had other business matters to tend to. Very rude.. And she called herself a supervisor..

Citi is the worst company you will ever deal with in your entire life. They will not help you and will waste A LOT of your time. I would advise you to avoid at all costs - I have never dealt with a worse company.

Not once have they helped with a dispute. I always have to go fight the merchant (not Costco) myself and I spend quite a bit each year with this card (business owner we, use Costco a lot). I use my Capital One card and Discover more now for purchases outside of Costco, they always have my back. Citi card resolution rep actually called me a liar for an Amazon dispute and when I called Amazon, they admitted that they messed up and they fixed it and said citi never even contacted them so I do not trust them for anything that you have an issue with.

After being a 15 plus year customer of Citi Bank, with 2 credit cards with 40k of available credit, I closed my other account. Their customer service department is HORRIBLE, and treat people like dirt. I have NEVER missed a payment, and have NEVER asked for extensions or help. They closed one account without notification that has had a zero balance, and a high credit line. After speaking with 3 different agents, I closed my 2nd account that had an even higher avail credit line, because they treated me like someone who hadn't paid them in a year. They were very disrespectful, and have half the mind of filing a lawsuit. This company is a joke, and really needs to learn how to treat LONG time customers with good service. I will be more then happy to keep my business with AMEX, discover, and chase, as these people have no idea how to treat GOOD long time customers.

I shopped at our local CostCo this morning - first in the warehouse proper, and then for a case of wine in the liquor store. The first charge transaction of $189.03 on our VISA Business Executive card went through without a hitch. However, at the liquor store, the card was declined. Picture yourself in a CostCo line with 6 customers behind you. Our credit score is exceptional and buying wine in quantity occasionally our pattern. Customer service viewed the transaction as "suspicious". Yet, Amex and our bank VISA never give us problems. Is the annual CostCo rebate worth the hassle of dealing with CITI Bank? I wonder.

Worst credit card. If you get someone who speaks English you are just lucky. If you ever need to call in and speak to a human being, be sure you speak the same language as the person answering the phone. Worst by far!!!

I opened a credit card and immediately switched it to a lower one as I didn’t want to pay the 595 yearly fee. I called Citibank to change it and to make sure I would still get the 50000 points After spending 7000 in 3 months the woman from customer service assured me I would as I was going to cancel it and reopen a different one. She said no need to. Now of course they won’t give me the 50000 points and their customer service is HORRIBLE. I closed my account and won’t ever deal with Citibank again. What a scam.

This is the worst card. Customer service is not helpful. They just read the screen and say the same thing over and over again. They increased my limit to 22k then 2 months later they lowered it 11k. I just paid it off and one of their loans. They just dropped my limit to 890.00. They said they dropped it because my payment was 234 and I paid 250. They said I didn't make large enough payments. I've been with them since 2015. I have never been late on payments and my card is always paid off and reused like it should be. This is the worst card I have ever had. Do Not Get Citi cards. They are the worst.

I've had Citicard Mastercard since they were Citibank Visa in 1995. I was unhappy when my visa became a mastercard. Anytime I spend more than a few hundred dollars they turn off my card even though I have a limit of several thousand dollars even when I'm not traveling. I try to call anytime I'm going to make a large purchase but the system has gotten harder and harder to use. The AI (artificial intelligence) should be called AS (artificial stupidity) instead. It's hung up on me after I rephrased my question several times over the years. It's hard to get to a real person and then they always try and sell you something or figure out a way to get money from you in the guise of helping you. I need to stop being so lazy and just get another card.

This bank slashed my credit limit from 7000 to 560, without no clear reason. Says based on review. While I’m getting increase from discover and capital one. But Citi is busy slashing lol. What a joke of a bank. I will never use their services again. Stay away from this bank while you can because they will mess up your credit score.

DO NOT GET A CARD FROM CITI!!! Omg, just ended a call with their Customer Service Representative. HORRIBLE EXPERIENCE. They denied an expensive charge, which is fine. BUT….there was no text to approve. My citi app could not approve. I had to call in. First off, I could not understand their deep Asian accent. They treated me like a fraudster. Spent 40 minutes total. I answered about ten security questions, got hung up on by a female csr. UNBELIEVABLE. They wanted to know my 6 digit checking account number, which I had to get from my wife. OMG I WANT TO CANCEL THIS CARD.

I got a new double cash card with a $6000 credit limit. Two months later after I made a small purchase on the card they reduced my credit limit to $20 over my $80 purchase. Why give me a large credit limit then cut it the minute I used the card. My credit score did not change at all during that time.

I’d give zero stars if that were allowed. It’s my own fault… I’ve had the Citi AAdvantage card for literally decades because I like American Airlines, but the services for the card have gotten worse and worse. I am abroad internationally quite a bit and their systems and processes are so antiquated that they have no reliable way of verifying what they consider “unusual charges“, so the card is frequently frozen. Since you can’t make a collect call from a mobile phone in the UK or Europe, it’s necessary to find a working phone booth to contact the fraud department collect. Capital One has an excellent system that will send a text to a Google Voice number if you’re traveling abroad, but Citi‘s system doesn’t work, nor do they offer the option of an email verification, which they used to do a few years ago. Unless you really like American Airlines, don’t bother with this lousy card.

On March 6, 2025 I made 2 balance transfers with a special 0% interest rate until August of 2026. I called 2 times to see how they would apply payments since I had a balance on their card. I was told it would be applied to the balance that the 0% would be ending first on. I called a couple of times just to make sure I was given correct information (which I have on recording that I was told it would go automatically to the zero balance ending soonest). They have not been applying my payment to the one that ends first...they are also applying to the balance transfer.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I agree with Michael - Customer Service is a misnomer. No service. Phone conversations with non-American speaking young folk is tortuous. They don't seem to understand simple principles of customer service - fix my problem. Don't answer with a paragraph long reason not to do so. They actually argue with me. I've been trying to get a credit from a merchant for 4 months but CITI thinks the merchant doesn't owe me, so they don't allow it. That, of course, is not the customer reps, that's whomever else is not qualified.

Terrible card company that would much rather cut corners by having overseas agents who are rude and ultimately read a script. Extra charges for everything under the sun. Every few months they would claim a payment was declined by my bank even though my bank advised them every single time that the funds were available and the bank had no reason to disrupt the payment going through and attempt to charge me an additional $41.00. When I called Citi to explain, that treated me like some kind of criminal! Wanting to call my bank like I need to lie about if my funds were available or not! Then when they realize that it was no fault of my bank, they can never get on the same page regarding when the charge will be removed. Terrible card company. Pay stateside agents because all of the agents in the Philippines or wherever they are hate taking to Americans and it shows. Do better!

If you need a credit card...look elsewhere. I did a transfer balance to another card and they charged me 160.00 in interest on a zero balance. Charges came 6 days after card was paid off. Had to file a complaint with BBB to even get someone worth talking to and even that was a joke. Do like I did, go to a local Credit Union. Stay away from these big card companies, especially Citi.

I would not recommend at all, absolutely no regard to the consumer. Had a Home Depot card paid perfectly for nearly a year. Then my payment was due on February 2nd. I went Home Depot on the 3rd, paid more than my minimum payment. Before I got home on the 3rd, they emailed me stating I was delinquent. Reduced my credit limit from 2000 to 200. Which not only hurt my total credit limit but also made me go over the 30 percent threshold. Then they had the nerve to charge me a 29-dollar late fee. Mind you less than 24 hours late. And yes I am beyond mad. that reduced my credit score 11 points. And I will not quit giving bad reviews. This is absolutely ridiculous and unfair. This is facts. And documents to prove. I will pay my little balance off and good by too such shady practices. Facts.

Their phone customer service is terrible. I am cancelling my card due to the way you are treated and quality of customer service. DO NOT GET A CITI CREDIT CARD. COSTCO SHOULD BE ASHAMED OF THEMSELVES.

I closed my second Citicard account today after having my available balance lowered another time on the second card. Citicard has automatic review of accounts that are triggered by as little as a one day late payment. Second time for me with Citicard. I'm out and will never be a customer again. I remember when Citibank was saved by the Federal Government TARP in 2008 before being the first money center bank to down. What a joke their underwriting is and the traps of automatic reductions to availability.

They have the worst customer service of any credit card company I have dealt with other than Barclays. Every single person I speak with, if you want to call it that, is from another country with terrible reception and the inability to understand anything. The last few times I contacted them about something I spent almost 3 hours on hold just to be disconnected by a foreigner. And yes by the way I'm also a foreigner who has perfect English and perfect diction. And the fact that we have no recourse is sad and pathetic.

Avoid! Signed up through a discount price at Best Buy. Had to repeatedly beg for a card. Misunderstood/misinformed on payments, but I had no card for payment information. Result 90 days delinquent. Once I got that notification I paid everything off, explained my situation, they told me they would fix the delinquency since I paid everything off. Two months later still no card. Cancel card because what is the purpose. Got my card 7 months after my initial purchase (less than 2 weeks after I canceled). Best part, they never took my delinquency off, called them about it. They said, "We could absolutely fix that, but why would we, you are not a customer anymore." Disclaimer: This was in 2016, had not received anything from Citibank in years until today.

I received a letter dated on Jan. 18, 2024. I called dispute departments many times, emailed evidence 4 times and disputed it for a long time. Citi is obligated to put it though, yet It took a long time and each time, there's a problem. I think this time Citi does not want to do anything for customer. It depends on bid4asset to issue credits, not based on facts/evidence for a wrong charge. I first time use their website, suffered mishap, why it depends on bid4asset to issue credits, not based on facts/evidence for a wrong charge. It's my first time use their website, suffered mishap, I contacted them, sent emails, did not violate their rules, did not get any service. They stored my credit card, charged me later for nothing.

Not a good card to have,, I had mine for 8 years and never missed a payment but they lowered my credit by $5001. And refused to renew my card when it expired although I was current on payments. I would not recommend them to anyone. Citi Card is a joke.

Horrible experience, my card is about to expire, I called the customer service, first got someone whom I could barely understand, then supervisor and was told that that closed my account. Never missed a payment. Horrible bank to deal with. AVOID!

I had a terrible experience with Citi. My account was open for about a week, I made no purchases, and closed the account due to the endless hoops I was made to jump through and the inept customer service. The last straw was the 3rd time I was denied access to my account even though I had every answer to every question I was asked. The only saving grace for this card was the ease of closing the account.

My account was linked to a closed bank account, 2 attempts were made and the payment returned. That was way before the due date. I never missed any payment. 100% on time with all my credits. But they decided to close my account. The problem is that the card became suddenly useless and when I called the customer service no one wanted to say the reason. I don't mind if they closed it but when I call they should say the reason and not leaving me wondering what happened. I had to wait for many days until the mail arrived.

I’ve been part of Citi credit card for around 4 years now. I went in debt for about 10 months. When I finally got out of debt and was able to pay my card on time they continued to give me interest charges on credit card statements that were paid for. Citi is a horrible deceiving company.

I've been with Citi for years and now that I am paying my balance in high payments they choose to bring the limit down making it seem I had never made a payment and utilization stays the same!!!? What kinda crappy bank does this to customers!? I will pay this card off and go elsewhere. From what I see Citi has been doing this to tons of customers even with excellent credit!

I've been a customer with Citibank for 10+ years. Within the last year they have reduced the credit limit on my cards several times after "periodic review". Last year at this time my limit was over 20k, today after yet another decrease my limits are barely over the balances, which will of course TANK my credit score. I will never have another citibank ANYTHING. This company will no longer profit from me.

I only had the card for a year and they already lowered my credit by $5000. Based on the same income. Always paid my & paid more than the amount owed. This will hurt my credit and it lowers the amount of credit I have. I will no longer use Citibank and I will transfer my balance to another card. My wife will do the same. I do not recommend. Also on your app there’s nowhere showing recent activity.

I've had Citi card for years - with a high credit limit. I often use it. I had a high balance, and paid it off in a large payment. They turned around and lowered my credit limit from 29k to 500!!!! I will not get another card from Citi. Their reason was revolving credit - Um - isn't that what a credit card is? And why not give a warning letter if they want something to change - instead of immediately reducing the limit. Not good business and they just lost a great customer.

CITI Diamond Preferred card - the only credit card that I have ever had that started charging interest on purchases from the date of purchase. There is no way to know what your total statement "payoff" if credit card is used for purchases and no way to avoid interest charges. I paid over the minimum payment on previous statement (Nov) which was for balance transfers only, plus the total of purchases made that month (Dec) before the December statement date that those purchases show on and was charged interest for the purchases on the December statement.

We've had the Costco Citi card for 12 years and always paid it off with a high limit. Over the last couple of years, we used it every day. We added a new bank account to our profile to make a payment, and the payment was rejected because there was an issue with the name on the new bank account. We had over $500 in rewards, and just a few weeks before we were supposed to receive those rewards (which we can only collect once per year) they canceled our card with no warning. At first, we thought there was a fraud issue. Citi said we had to wait for a letter they send (which took over a week to receive) before they could give us any information. That letter said the reason was because we had "1 or more payments cancelled or rejected within the last 12 months". They wouldn't reinstate the card, even though it wasn't due to insufficient funds, and wouldn't honor the rewards we had built up, saying we forfeited it.

Got charged for something that was not our fault. I have had a Citi credit card for over 10 years. I made a payment and Citi tried processing the payment to an old bank account that is not available in my payment drop down options. I ended up getting a $30 returned check fee. The first customer rep I talked to assured me that they would credit the $30 fee and to call back after my statement cut to request it due to the way the fee was structured in their system. I called back to request it after the statement cut and was told it wasn’t possible because the system would not allow it. I spoke to their manager who said the same thing. Poor service.

I been member to this Rip off Citi card since 1998 and they gave me diamond card for ripping me off. I just happened to saw they charge me foreign transactions fee and I did use my chase card for same services too but they didn't charged me any of foreign fee. I called citi and their rude customer service refused to give me credit so I paid off and closed my account with them. I mean how good they are, no rewards no points and no insensitive like other card companies but to just take and ripped off their customers.. I wish customer service would be US based then I could probably have some kind of solution..

I've had the Costco CitiBank Visa card for two or three years now. Out of all of my cards, this one is by far the worst! I was approved for a decent credit limit. In less than a year, they cut the credit limit in half with several 'periodic and random reviews' of my account. I have never been late on a payment or missed a payment and have always stayed under my limit. Their reduction of my credit limit has damaged my credit score twice, and now they just reduced my credit limit once again with another 'random review.' This time they reduced it so low that it now shows my card as being maxed out! The moment I close on my home next week, I'm canceling this card. I have five credit cards, and none of them have ever done this. Steer clear of this company if you value your credit scores.

CITI BANK CREDIT CARDS…What’s worse than the WORST especially when it comes to customer service, disputes and honesty? I have had disputes over merchandise once or twice in last ten plus years. American Express handled it well. Wells Fargo did also. CITI ignores me, lies to me and doesn’t give a darn. They claim they have sent me letters, paperwork to complete, etc. NEVER EVER RECEIVED COMMUNICATION FROMTHEM.,, BUT MY monthly bill is received promptly and always paid in full.

I just got off a call with Citi "Customer Service", requesting an updated card with a new (further out) "Valid Thru" date. (I tried to use this card for an airline reservation in the middle of this year, beyond my current "Valid Thru" date. The web site had rejected my card.) After unsuccessfully trying their on-line ChatBot, I called the Customer Service number. I explained the situation with the Agent. She said that they send a replacement card about 1 month in advance of the Valid Thru date. I asked that the date on my current card be extended now, not later. She said they "don't do that".

Terrible customer service. Always on hold for at least 30 minutes. Ask stupid questions people are incompetent and lazy. They never resolve disputes in your favor. They are always stopping charges from going through. I will never use any of their cards again

First try with this card and last. They don’t care about customer, only the bank accounts that they can squeeze money out of. I finally used it once, had a mistake on bill, they were not good at dealing with it and ignored my problem with the first time use. I closed this account because it was a terrible experience for my first time and last. They charged me 30 extra dollars when I paid full amount instead of the small amount. This should not even been charged but they lost my business charging me double of what I should of paid. Shame they want to be greedy. They won’t get another dollar. I hope people catch on to the scam. It’s not worth the credit to get robbed by your own credit card company

These corporation is corrupt and dirty, they closed my credit card account with no reason and held onto the rewards money that was worth several hundred dollars. I do not recommend using them for anything. Additionally, I was also owed money for a refund from a merchant and never got that back either.

Worst experience of any loan application of my life. Have a credit score of 824, but after numerous delays and a message from someone who barely spoke English, I was declined. Dodged a bullet. Thanks, Citibank. Never again.

I was doing a balance transfer and the choices were 0% with a 3% transfer fee or 5.99% with a 0 transfer fee. I selected the 0 transfer fee however when I got the transfer request in the mail it changed to a 3% transfer fee. Obviously a bait and switch. Never do business with Citibank again.

It took 18 minutes of my time for them to tell me they couldn’t help me even though halfway through that time they said they could help me and then they switched me to somebody else and that person sounded like they were laying in bed and about to fall asleep while they were talking to me… It was horrible. I could barely understand him and his lack of care or enthusiasm was disgusting.

I've been with Citi Bank CC since they took over the card business from Costco's prior cc provider. They assessed me a $30 fee for being 2 days late on a bill, & would grant me any courtesy. STAY AWAY FROM THIS COMPANY'S CREDIT CARD, ONE OF THE WORST, I escalated it to the office of the President and they still would not work with me! Horrible!!

Just wanted to share my experience with Citi Citibank US. I initiated a chat convo on their app to ask if I could apply for a lower interest rate/hardship program for our credit card. Discover did this for us & lowered our interest rate for 1 year. Their website has a hardship program page with a link to apply online. After clicking the link several times & getting "authentication failed errors" I did the app chat. Over the course of 1 hour and 12 minutes I spoke with SIX different chat reps, explaining what I needed each and every time & answering their questions. I was told by 5 people that the hardship program was available, but that they weren't the correct person to speak with about it so a transfer was required.

I have had the Citi business card for over 25 years and have never had to dispute a charge. They are the most incompetent and unloyal people. They are not there to protect you; they rather protect their many partners over their customers. After doing thousands of dollars worth of charges they will not protect me so I will be closing my account, after trying now for 5 months to resolve this rental car reservation, with thank you points.

I had a fraudulent charge on my card and was asked to send documentation. I sent it certified mail and it was signed for by a incompetent Citi card employee who evidently threw it in the trash. Later I Faxed more documentation which citi card said they never received and was asked to E-mail it to them. I told her I was not sending anything else and she should find out who threw my letter and fax in the trash and kick them out the door. I would advise all employees to find another job now because any company with a 1 star rating probably won't be around very long.

I have had this card for many years and have always been disappointed by their rates and consumer contact. This time they touch BOTTOM when they made a HUGE mistake on the closing statement of my credit card which I cannot correct because the level INCOMPETENCE of this people is unbearable! I am going to pay off this credit card and close it for good!

I applied for a Citi card in August. I applied for 21 month no interest on new charges and 18 month no interest on transferred. In October, after having to pay for hit & run accident, I started receiving interest charges. I called to ask twice , why I was being charged interest and I was told both times that I needed to read the terms and conditions. Which I had. When I asked Citi to send me a copy of the contract that I agreed to, Citi refused and have still has not provided any documentation. The interest that Citi were billing is excessive and should not have been billed at all. This is just like a loan shark.

What I would say is this is the worst experience that I have ever experienced with a credit card company in my life. Find any other card except this card. The level of incompetence at this establishment is incredible. I've called in three times to make a simple balance transfer and it cannot get done. Ignorant ridiculous silly and just plain stupid. And most of them can't even speak English.

The absolute worst credit card company that I have ever witnessed. Please save your time and sanity. I was hung up on multiple times and honestly could barely understand the customer service agents that were taking my calls.

I got this credit card for a trip I was planning. Upon activating the credit card and trying to use it, it was alerted for fraudulent activity. I appreciate it the first time, but upon verifying who I was four times I tried to book the tickets which needed to be booked asap. They said many times that my credit card was clear to use. I ended up booking the tickets with another company. I would never recommend this card. The customer service is awful. They are awful. Stay well away.

Unbelievably unethical horrible company. I've been a credit card holder for several decades with Visas and Amex. NEVER have I experienced a company with the worst customer service and response to issues their system created. Supervisors are a joke and just give empty apologies with "there is nothing anyone at Citi can do". Will be canceling as soon as I'm able and pushing Costco to move anywhere else.

I have been a customer of Citi for a long time. I will never use my card again after the experience I just had and this is why it is important for consumers to make sure they have a card that will back them in the case of fraud. I was recently a victim of fraud and while in the MIDST of the transaction, before the money was officially posted, I called Citi to alert them as soon as I realized what was happening. They immediately canceled the card and said they would investigate. In the end, even with all of the proof I showed them about how this unfolded they refused to back me, let the funds go to this fraudster and I am now stuck with having to pay for this. I will be canceling my card and going to a company that backs their customers.

I recently received a new Citi Premier Strata credit card. I used it successfully for about 2 weeks. Then suddenly I am at Walmart and my card is declined. After about 25 minutes on the phone Citi is unable to send me a text code to verify my phone. I had to go to the car to get my Capital One Venture card to pay. I called Citi again later on. It took some time to get through and only because I had to use my wife's phone number that is NOT on the account. The agent told me there was some unusual activity. Perhaps that's because it was a new card. At the end of the call, I thought everything was fine. I was able to use the card one more time, but when I log into my account I get the message right away that there is a fraud alert and to call the fraud dept of Citi to get it working. I spent so much time on the phone and they were not helpful. I don't recommend this bank.

30 years down the drain! My family and I are currently traveling in Dubai and my account got picked up for a suspicious transaction. I was able to call customer service and verify my account and the transaction with agent #1 who proceeded to unlock my account. I then tried the transaction again only to see it was still locked. I called agent #2 who put me through a series of questions which I answered correctly only to tell me he couldn't validate me and had to send me a letter. What good would the letter do when I'm in another country. You tell me???

Over the past 50+ years I've held credit cards with all the major banks. I understand, very well, the nuances regarding balance transfer fees and interest on purchases. Recently, I applied and received a Citibank double cash card. Based on recent experience I will never do business with Citibank again and plan to report not only to Citibank but also CT's banking commissioner.

Citi cards is absolutely the most unethical, horrible credit card company I have EVER used. They offered me a balance transfer 0% interest for a certain amount of months. I called to pay off the total balance transfer amount two days before promotional period expires and THEY WILL NOT LET ME PAY IT OFF! They said I have to pay off the total balance of the card first, and that I cannot pay off my promotional balance by itself and are going to tack on hundreds of dollars in fees for not paying off the balance!

I had an extremely disappointing experience with Citi Bank’s customer service regarding an unauthorized charge of $200 from a fraudulent ride-sharing tip. When I reported the issue, I expected the bank to investigate and protect me, as they claim to prioritize security and customer support. Instead, I was met with dismissive and unhelpful responses. The representative told me I was responsible for the charge, despite it being unauthorized and blatantly fraudulent. No meaningful effort was made to resolve the issue or provide any support. This is unacceptable from a bank that markets itself as trustworthy and customer-focused. It’s clear that Citi Bank fails to protect its customers from fraud or take their concerns seriously. I strongly discourage anyone from banking with Citi if you expect any form of support in resolving disputes or fraudulent activity.

I’m a Customer for many years, first time I needed to do a dispute for a product I ordered online but never received. They closed the dispute without receiving any proof of shipment and asked me to email them a pool I didn’t receive the product. I dispute the payment after I emailed twice to the online company asking. When can I expect my product? It took them five months to resolve it on my behalf. I’m still waiting to receive the credit back… $44 that was the charge. Poor customer service.

If there were no stars, this is what I would give. I have two cards with this company. I am never late. I always pay more. I sent a payment in and the payment was collected and on time. However, I did not see the minimum payment was an additional two dollars! Yes, two whole dollars. So they sent their collection agency after me. I tried to deal with the first woman who would not give me any information and since I am afraid of fraud, I would not answer her questions any longer. I then receive a bill and noticed that my minimum payment due is high. There was a $30 fee. I now had to contact them again, which is like beating your kidney over a rock. She explained to me that I got a fee because it wasn’t the full amount. I said to her that’s ridiculous and that I wasn’t going to pay it which she then told me that if I didn’t, my account would not be in good standing.

In November we booked travel thru a companion of Delta Airlines. The company immediately called to inform us the flight would not take place at the cost. We cancelled. The charge went into dispute, the company send an email stating they were refunding. Yesterday, discovered Citi re-billed me for $17xx.oo. The vendor won…. No notification from Citi. Terrible service. I did not go on my trip. Did not receive support helping from Citi. Bad company.

Horrible customer service when I call customer care. Every single time I get an opportunity to increase my limits on each of my Citi cards, their system can't service my accounts because their system is always down. Being a Citi Credit Card customer for over ten years and still Citi Cards can't fix my issue.

If you used it properly it's a very good card with excellent service.. Provided great service while fraudulent transaction happened. Helped me twice while fraudulent transaction happened. Thanks for the timely service and support.

Lowered available credit on Christmas Eve 2024. This is the fourth time in 2024 that Citi card has lowered my available credit. The company has personally killed my credit score causing me many problems, on top of me losing my job earlier this year. Then today, Christmas Eve, I received a similar letter stating my available credit has been lowered again. The third time they lowered my available credit was in October 2024. Very sad, I will not keep this card or any other associated with Citi Bank. What a terrible credit card company, lowering available credit on Christmas Eve.

I have numerous Citicards. I’ve used them and always paid on time and always more than the minimum. They lowered my credit limit which caused my credit scores to go down. Had no issues with any other credit card companies. Will pay off my debt and take my business elsewhere. Thanks for nothing Citicards.

This is the WORST credit card I have ever had. The customer service is non existent. They have a bot as the customer service who is completely useless. I had a $24,000 error on my account. I called Citi at least 10 times waiting 1/2 hour each time and it is never resolved. I would like to cancel and just leave the whole mess. It is super frustrating.

I have been a loyal customer of Citibank (Best Buy card) for over two decades. I have always used autopay ever since I obtained my Best Buy credit card through Citibank. I doubt they will care, as some do, about this review, but I have been a very loyal customer and recently received a letter stating that they made the unilateral decision to close my account after almost 20 years.

I applied and was deprived for the double cash card. Red carpet treatment for the 1st year. Then 28.99 percent interest with a 810 credit score. Beware of Citi unless you pay balance in full every month.

WARNING: DO NOT GET A CITI CARD! Made several money order payments, they cashed and claimed. Never received. Now I have to mail a form to Western Union with $15.00 for each "lost" payment!! Customer service is horrible! This has been a nightmare!!!!

What a pathetic company-dropped available credit to couple of dollars over my balance! Putting a dent in credit rating. Right after a hurricane. Go ELSEWHERE-been with them for many years and never missed a payment or was even late with a payment..cold hearted company.

CITIBANK IS THE WORST, I MEAN THE WORST AGAIN THE WIRST CUSOMER SERVICE I HAVE RECIEVED. STRAIGHT UP THIEVES! Story is too long to tell. Just want others to know this is an institution that is corrupt. They take advantage of their customers because they can and lack any integrity. They are thieves. Stay away.

I share the same frustrations of new card arriving already blocked and impossible to verify identity. To add to that experience, as part of the verification process, the Citi rep. asked me for a full credit card number of another, unrelated to Citi card! I could not for the life of me figure out how that would help their verification process other than help her go shopping with my card, to which the rep. replied - "I have very bad memory, trust me." Another rep. tried to assure me that he is in the U.S. that his super heavy accent is attributed to him being from the South! (of India maybe). I was NOT able to cancel my card. The same verification process ensued and then after hours on the phone another rep got on the phone to extol the card's virtues and refused to cancel it. Now I have a blocked card I can never use and cannot cancel.

Don’t count on Citicard for dispute resolution. I paid for a service I never received and filed a dispute. While the charge was initially removed, it was reinstated the moment the merchant provided any response—no thorough investigation at all. This happened twice. As a result, I’ve stopped using this card because it offers little to no purchase protection.

I have a few credit cards. I only applied to this card because I shop at Costco for my business. Worst card. Worst customer service. The card was magically frauded before I ever received the card in the mail and it’s been over a month and it can’t be “verified” because apparently my t-mobile mobile number can’t be verified then they say they’ll send a code on a paper which will never come. This company sucks. Costco is all about the customer - this bank is the opposite. Switch back to Amex.

The chat representative was remarkably efficient and knowledgeable. They quickly identified the root of the problem and provided a timely solution. Unfortunately, this positive experience was overshadowed by the systemic issues within Citibank that led to months of frustration and unnecessary stress. Furthermore, Citibank's customer service tools and phone systems are often confusing and inaccessible, especially for older customers.

Terrible service. Have had the card over 25 years, and still frequently get transactions blocked, for no apparent reason (today: had an Uber blocked, after taking uber last night and the day before with no issues). Was also not notified by Citi, so was dealing with uber for a long time before finally realizing it was Citi's problem. Called, was put on hold/AI forever, finally had to talk to several people, took over 40 minutes before my card was unblocked... and never any explanation of why it was blocked in the first place other than "our algorithm". Horrendous experience.

Do not get a credit card from them unless you want constant aggravation and annoyance! They closed my account after I made a typing error while making a payment on the app. Trying to reopen it was a joke.

I had this card in Highschool with a high interest rate for car repairs, they would never lower my rate or extend my credit, tired of their refusal to offer any incentive, I paid the card off and canceled it the second they had the money and now they won't stop sending me flyers, this company is predatory to anyone that uses it.

Very poor customer service. It takes me about 30 minutes to finally be put on hold to wait for another 30 to 45 minutes to speak to someone. Almost impossible to speak to a live human. All they want to do is refer you back to their website. Beware!

I have a Citi Visa credit card because it was the card suggested by Costco. I have not had any issues for years until recently. About 1 year ago, I was going through some major medical issues which caused me to be in a bad state of mind and I was 30 days late on my Target card payment. I was never more than a few days late occasionally with my Citi or other cards. This was the first time in my life I was that late on any payments for anything. Citi saw my 30-day late payment to my Target card and dropped my credit limit from $12,500 to $500.00, a $12,000 penalty. I tried appealing with Citi, Target, and the BBB which did not matter to any of them, especially Citi. I was planning a work trip and wanted to use Costco Travel but I only had a $500.00 credit limit and the trip was over $1,000.00 so, I was not able to book it through Costco.

Citibank taking out entire balance for payment. They say I'm doing it and my bank says they are doing it. Horrible service from customer service reps in the Philippines. Nobody wants to help and keep re-trying to process payment thru my bank. It is very frustrating and can't talk to anybody that gives a crap. I guess when I stop paying them they will eventually contact me. I will not give them another penny until they contact me. I have been a good customer and have always paid on time--not anymore! Do yourself a favor and save yourself and your credit rating, stay away form this company! They are thieves!

I have called Citi several times this week regarding large payments for two separate accounts. I was transferred numerous times and each time told they couldn't help me. Cost me $32 to overnignt payments which were supposed to be delivered the next day (that did not happen as the USPS screwed the delivery up and it didn't get there for two more days) however was received by the Express payments address of Citibank Express Payments, 6716 Grade Lane Building 9. Suite 910, Louisville, KY 40213. Delivered on Dec 2 at 2:20 in the afternoon and verified by USPS. It was signed for by one of Citi's employees.

After experiencing problems logging into my account I contacted customer service and experienced the following: I spent an inordinate amount of time interacting with a robot voice in order to finally being connected to a human. When finally being connected to a human located in the Philippines, I found I could not understand a word they said. After my request to be transferred to U. S. based customer support was denied, I simply gave up. This experience led me to closing my account.

I got the Citi bank card hoping to get the $200 cash back promotional offer promised. I was locked out of my card immediately and wasn’t able to use it. I spoke with customer service 3 different times over the following months. They asked for my number to send a verification code but said it wouldn’t work because of the type of number and would need another number (which made no sense). I tried to give my mom’s number so she could give me the code but since she wasn’t with me they said they couldn’t do that. I basically gave up but finally decided to call again. This time, there was no problem sending my phone a text with the code in order to get into my account. Of course now it’s outside the 6 month period in which I could’ve gotten the $200 back.

I was rather surprised they re-disputed my case. I feel satisfied.

I have had a Citi Bank cc for over a decade.... I received a communication this morning stating that they are offering $100 discount for using their travel partner Booking.com. I compared and took pictures of the same Marriott hotel for the exact same day. Even after the citi discount, I am over $100 cheaper with Marriott! Citi simply sucks and is deceptive.

I was just on the Home Depot site. A misleading offer was posted, apply for a credit card and receive a discount on your purchase. I applied for the credit card and was approved; however, of course raggedy Citibank’s discount code did not work. I called Home Depot and they referred me to Citibank. Per the representative, Erica, there is a known issue with the code. I said that’s misleading and they need to disclose that you have to take additional steps to receive the applicable discount.

Citibank should be ashamed of themselves. They let my card have fraud action taken on it while having my account over my credit limit which reduced my credit score and now want a larger payment from me. They cannot handle the situation, numerous of times I've called to take care of this and it is still ongoing. They don't understand that this is my livelihood trying to get a house, a car buy things for my children and now with my credit score lowered and no money to have because I'm paying off this credit card that I did not run up they have no way of helping me.

This is my first time getting a Citi Credit card And he has been nothing but a headache. When I open the Citi app. One of them feature was to add this card onto my Apple wallet. They require confirmation code. I use my phone number to send through text message and never received it. I end up trying this four times and then when I didn’t receive the confirmation code. I ended up calling the Citi Customer service and they wanted my home line, They asked me where I worked, work number, And when I was not able to provide that information because I didn't have any they decide to send me a letter to my house to confirm that it is really me. Until I receive this letter, which will take 7 to 14 business days, I cannot use the card and any pending Balance transfer cannot be made. So basically, my account is frozen. This credit card has been nothing but cumbersome.

This bank is terrible at customer service and trying to fix a problem. They have no back up solutions to help a customer resolve issues. I give them 1 star and would probably give them zero stars. I will never do business with them again after exhausting all avenues to solve a simple problem with my account of no fault of my own.

I’m extremely disappointed with Citi Bank’s customer service, especially regarding my son’s recent experience while traveling with his Citi credit card. I had added him as an authorized user on my Mastercard for his trip, expecting seamless access to funds. Unfortunately, that wasn’t the case. The issues began when he tried to pay for luggage with JetBlue, and the card was declined. He immediately contacted me, and I reached out to Citi customer service. The representative struggled with English and claimed the problem was an "incorrect address"—a puzzling response since no address is needed for a physical card transaction. At her request, I called my son on three-way to try the card again, and it was declined once more. She couldn’t resolve the issue, forcing my son to use his debit card, leaving him with barely enough funds.

They sent me a card with my old name. I called to fix it, and they want me to send a handwritten letter with my card #, my signature, my photo ID and the reason why I'm changing my name. How messed up can you be? There is no excuse to #1, get my name wrong. And #2, to expect me to jump thru all of these hoops, that jeopardize my security, to fix your mistake. Nonsense.

I got a Citibank card for the airline miles. I set up autopay and went on with my life after a while. My card I had set up auto pay with was compromised, and the bank had to send me a new one. I continued to me manually. Make my payments on time every month until Citibank. Closed my account due to too many declined payments, even though I made my payments on time, I did not know how to remove the compromised card and every time their system tried to take a payment off of it. It was declined. They considered that declined payments and closed my account. I paid them in full and got a zero balance on the screen.

I've had a Home Depot card for a couple of years now. Recently, I had to change banks because my bank closed several branches in my area, causing me to drive over 30 miles to the nearest branch. I opened accounts with another reputable bank locally and have been gradually switching all my payments to come out of those accounts without any issues. UNTIL I made my Home Depot credit card payment with the new account. The payment was made on the 21st of October and cleared my bank on the 22nd of October. Home Depot or Citi Bank (I'm not sure which one) has withheld the payment from my available credit for over 10 days. While I understand the need to minimize fraud, this is the most illogical thing I've encountered in a while. It's time to move away from credit and convert all purchases to cash. Cash is king, and I don't have to pay some foolish bank interest for inconveniences like this.

CITI bank customer service makes it almost impossible to inquire about charges/fraud issues. They compound the problem by transferring you multiple times until you finally give up. When they say they are researching a problem, I believe a computer actually generates a response. That is the limit of their research. They appear not to care about fraud charges and make no attempt to help the customer figure out what is happening with unauthorized charges. My issue developed when they renewed a membership that I had closed. They could care less. I wasted hours of my time. I would not apply for this card if you are anticipating the need for a helpful customer service.

The management team at Citibank is incompetent, disorganized, and lazy. I called in about a double charge on two credit cards, one on my citi bank card and one on my US Bank credit card for the same item from a vendor. Citi bank urged me to file a dispute through them rather than to allow the vendor, who agreed to refund my money, to send me my money/refund via a wire transfer. While I agree that a refund on my credit card was the best option, the vendor said they were not able to refund my card because it was an international transaction. Citi bank asked me to submit documentation proving my case (i.e., email thread with vendor acknowledging the double charge and agreement to refund me the money; and a bank statement showing the double charge with the vendor's name), which is expected. I provided the requested documentation. Citi confirmed that they received the requested documentation.

Their customer service is just awful. I have had my card used fraudulently and thus canceled twice this year. This time they identified the fraud right away and canceled the card, but addressing the reversal of charges has taken 4 phone calls, including one call when the agent simply hung up the phone on me and another when an agent gave me a completely incorrect number for the fraud department. They have apparently offshored everything, and their agents have little knowledge of procedures or of English. If I can ever get this fraudulent charge sorted out, I will cancel this card and leave Citi altogether.

The worst customer service ever! 4 calls regarding fraud on my credit account they alerted me to and I'm still waiting!! On eternal hold and only for 30 minutes and someone with be with you? Right/wrong. Don't use this company if you're on travel and have a problem.

Citibank Mastercard was great until I had a problem. I was conned and reported it to them, the local pd, my bank, the Federal Trade Commission, had freezes put on credit reporting. When first cancelling my card and telling them my story, it was no problem because the transactions hadn't even been processed. I called the next day and they almost laughingly said they cancelled the charges. So I didn't owe the money. A different story 2 days later. They then gaslighted me constantly, sending me a letter or bill saying I owe the money. I call, I'm told I have a zero balance. Then I started getting transferred from one person to another. Today, 2 months later, I spent 52 minutes on the phone with the specialist department where they assured me they have no EthicsPoint number, they don't know what it is. I already had the number. So more lies.

False advertisement on their credit cards. I applied for the 0 interest for the first 16 months credit card to get out from under a care credit account (both are crooks, stay away from them). Well they didn’t give me the 0 interest and trying to resolve the issue with customer service of course they don’t know what I’m talking about. False advertising and trapping a customer under false pretense is a law suit in the customers favor.

I paid off the balance they quoted but somehow there was 23 dollars more interest. Why do they say you are paying the balance and you are not, they do not hesitate to increase your interest but when you close the account or try to they are very willing suddenly to lower your interest. If you do not pay attention, which they are counting on, you can get charged unknown junk fees. I am so glad to be done with them. I believe I closed the account but who knows for sure. I am forwarding this to the State's attorney general.

The worst card ever. They charge interest on a card that was paid in full. I paid the balance and they still charged interest and their reason was it was for the time between the billing statements. Absolutely crooked’. WILL NOT USED THIS CARD AGAIN.

Citi Card NYC, has been perpetually been threatening me via USPS with harassing letters thru Costco Citi and Home Depot Citi etc. I am a mental basket case because this constant harassment by Citi Cards in NYC. My Psychiatrist and psychologist have advised me to take this further with a lawsuit against Citi Cards NYC. Any advice on this matter is truly appreciated. Namaste

I have had a Citi AAdvantage card forever, and it's been a sadly declining quality experience. They seem to get hacked a lot. They will randomly lock me out of paying for legitimate purchases even vendors that I have used before, but not catch actual fraudulent charges. I can't access but a few months of statements online - not even one year's worth. They no longer have any annual statement that you can download to Excel. The Best Buy Citicard is even worse based on the website. I don't think that one even offers any kind of annual statement. They are simply not keeping up with the times.

Don’t get a Citi card unless you like having fraudulent purchases on your card. I’ve only ever had that happen to me with Citi, no other brands. I think Citi lets it happen so they can try to get you to pay for more protection. This happened once with my Citi double cash card, then again with my Citi custom cash card. Except with the custom cash card there were SEVERAL fraudulent purchases over a couple days. Both times this happened, I hadn’t used the cards for quite a while, I even shredded them to keep myself from using them. And I didn’t have them saved in my phone. I protect my info carefully, therefore I feel like this was an inside job. Beware!

Citi sent my balance transfer to the wrong address. For nearly three weeks I have been calling customer support for help. Worst customer service ever!! Citi reps are woefully untrained at effective communications and problem solving. Several were extremely rude. None have followed through on the actions I was told would be taken. I finally arranged a conference call with Citi and the other creditor to try resolve the issue. The rep from the other bank was so appalled by the rudeness displayed by the Citi supervisor, she felt compelled to apologize on their behalf. Not a good look at all Citi.

Was trying to get a tsa pre check through Gov plus .. they have you fill out forms, charge the customer.. and set you up as a revolving account (without your knowledge). When youth the fingerprints office they tell you that you shouldn’t have paid any money (you were rerouted to another site). You have to pay them $78 for your fingerprints. My daughter got reimbursed by Navy Federal without any problems. Citi took months and they denied my dispute. I have been a customer for over 18 years and I'm considering closing the account. Customer service is really gone down.

I received mail stating that I could apply for credit card with a credit limit. When I applied, they prove me for a card I could deposit money on, which is not what I wanted. They refuse to void out the application and caused me to have a hard inquiry on my credit score. Customer service sent me to one person and then another and overall unprofessional did not appear like they knew what they were doing. Worse card I’ve ever applied for. Do not Recommend.

I've had a Citibank Credit Card for many years. My balance has been at 0 for the last several. This Aug I was threatened into buying gift cards and giving the numbers. Afterwards, I filed a police report giving them the cards. Contacting Citi. The next day, was told by Citi, I didn't owe the money as the transactions had been canceled. Since then, today Sep 23, they have made me a ping pong ball, I owe, I don't. Was given a confirmation number to give if was told I owe. Today, Sep 23, received bill, called, a different security advisor told me basically that it couldn't be true, no confirmation, no notation anywhere of not owing the money. Citibank does not have a Consumer Advocacy Group or Unit.

I also would like to give them zero stars. This is some of the absolute, hands down worst customer service I've ever experienced. I paid for an event on my CitiCard which was supposed to happen in April of this year. The event was cancelled the day of by the merchant. It's now the end of September and I am STILL trying to get this dispute resolved. I have spoken with Citi many, MANY times since April and each time I have to give the whole story all over again about how the merchant cancelled the event and I never received the service. They do not seem to have a comprehensive system to input and update information. In fact, they don't seem to have any system at all.

I opened a Citi card for the sole purpose of transferring my balance from another card. With a very high credit rating, I received a $3,000 credit limit. I haven't received a credit limit that low since I was in my twenties. Further, when I called the customer service department, they were not helpful and they were rude.

I thought that when the leadership and a female became the CEO that CITI might become more customer focused and improve their level of customer service. If anything, it has gotten worse. The company ignores the needs of the customer even though they can easily meet the needs. Here are the details. Because of a really good offer, I opened a Citi-Shell card. I was given a minimal limit, less than is what on my Sears Citi card that I do not use because Sears has closed all the stores near me. My credit score is greater than 800.

Citibank withdrew (stole) money from my deceased wife's checking account. They withdrew payment for unauthorized charges after her passing, which I had disputed as the authorized user. They promised to take care of it. But instead they just closed her account and never issued the refunds. Shame on you, Citibank! I don't put nothing past you Citibank.

The customer service at CitiCard is terrible. My credit card received a refund from a reputable company on Aug. 22. I called on Aug. 23 and was told they "didn't have it". I called again on Aug.28 and was told the credit was "under investigation" and it would be for 4 -6 business days. I called again on Sept. 3 and was told it would be sent to my checking account after Sept. 6. Again, I called on Sept 8 and was told it was still under investigation. Now on Sept. 11 they say it will be another 3-4 business days. This is ridiculous. What terrible service (like none). I can't seem to get the money that is owed to me. I have closed my account with them and am still waiting to get my refund.

If I could rate this at a ZERO I would. I use this credit card often. NEVER AGAIN. If it means canceling my Costco membership I will! I needed to dispute a charge. It took me 30 minutes to actually talk to someone. She quickly transferred me to a supervisor. She disconnected me! Same thing all over again. Talked to someone. They can't resolve it. It's pending and can't be disputed. JUST CANCEL IT AND REVERSE IT!

I was unable to update my expiration date for my Citibank credit card in Apple Pay. Per Apple support, they said I needed to delete my card from Apple Pay, then add it back. They sent me to Citibank. Citibank spent an hour after escalation, not be able to help, then sent me to Verizon. Verizon tried to clear a flag for an hour, and I still couldn’t add my card back to Apple Pay. So, Verizon sent to me Apple support.

EVERY time, for about 14 years now, I've tried to redeem my points there is ALWAYS a problem, error or something which keeps it from going through! EVERY TIME!! I just got offline trying to do it myself w/o having to speak with customer service for 32 minutes and they just put me on hold until I gave up. I believe this is a tactic of theirs to get the customer to just quit trying so Citicard can just keep your money! I know this sounds hard to believe but that's been my experience. Terrible customer service in the redeem Dept!!

I have been trying to resolve the issue with 4 payments I made to my Citi Bank credit card for 1 1/2 years. I call every day and get nonsensical excuses. Now, no supervisor can give me a clear answer as to what happened to my money. Also, in July my balance was at $0, and now it turns out I owe the bank almost $1000. I haven't used the card and no one can explain to me why. I need to talk to someone who can actually fix this. I have 3 credit cards with this bank and I am determined to cancel them and never use them again. Don't let them scam you like they are scamming me.

Getting a person on the phone with this company is very difficult, and even when you get someone, they are reading off a script, talking over you, etc, and when the call is over, your problem is NOT fixed. To boot, I was calling to complain about their pathetic cybersecurity controls. They don't care, and then they refused to deactivate my card. They literally refused.

I'm highly disappointed with Citibank (Costco Visa). I have set up online payments 3 months in a row to pay my balance off each month. Then I get an email (each month) stating that I have not paid my payment yet and it's late. I was then chased a late fee which one of them they removed and the rest they will not even though this was not my fault that their portal isn't working correctly. I spoke with a supervisor about this problem and He actually was so rude to me and hung up when I had asked him his name.

The customer service is very rude. They don’t know how to communicate. I had to hanged up on them to keep my peace. They need more training on answer questions without get angry. I talked to different people and I asked to speak to a Manager and they said they was the manager… Absolutely horrible!

I would give zero stars if it were an option. Citicard insists I must pay their annual fee even if I cancel the card. All my purchases are paid for, the only thing owed is the annual fee which I don't owe because I cancelled. They now add on interest and late fees every month, and call me multiple times a day. They're extortionists. Stay away from Citicard.

Absolute terrible service. Never use this card to buy tix to anything. It will block the purchase and make you call. By the time you run all the prompts, it’s too late, and you lose tix. I understand the need to protect against fraud, but allow one to approve the purchase via app like every other card. They say it’s available, but as soon as you click on the prompt, it says call. Also, terrible at challenging real, fraud charges. They simply take vendor's word, as they don’t want to lose business. Fraudsters provide bogus tracking and invoices, and rather than investigate, it’s easier for Citi to support the vendor rather than consumer. Terrible!!!

I cancelled my Citibank DoubleCash card early this year after having trouble with fraudulent charges on my account. The original charges of about $250 has now grown to over $1000! I have had to hire a lawyer to deal with this. I used to have an excellent credit score of over 800. Now it is less than 700 - only because of Citibank.

I have gotten over $2,000.00 in fraudulent charges on this card, all from overseas. I don't even have a passport and have never left the US, but Citi simply allowed these charges to go through, DOZENS of them. I canceled the card and Citi STILL allowed fraudulent charges to go through. The absolute worst card I have ever owned.

Do not, I repeat do not use their credit cards. I have two with them. I traveled to Colorado to do school shopping after putting it on “travel” and every time I used my card it got declined. I called like 6 times in 24 hrs and each time they said they resolved it!! I just called again because it was declined and I’m not able to access my accounts on the app and they told me they can’t get into my account with any of the information I provided they are frauds, so since they couldn’t get into unlocking my account I guess they don’t get any payments on my account from the future on!! My credit will take a hit but I don’t mind for frauds like these companies I will dispute these on my credit because they are the ones who locked me out of it!!! And I have the proof!! Stay away from CITI credit cards, it’s nothing but a headache and bull!!!

Had a Limit $4,900, had a balance of nearly $4,000, Paid it off to a zero balance. Have good credit, have never missed a payment to anyone let alone Citi. Was planning on booking a vacation on it went to check my account on the online website before booking and my limit was reduced to $1,130. No valid reason, nothing on my credit report. By them changing my credit limit they impacted my credit score negatively because now my debt to credit ratio is cut by nearly $4,000 Run away from this company as far as you can. Customer service is also terrible.

Customer service is terrible, especially compared to other large banks like BofA. I only use Citif for credit cards with their connection to American Airlines, but would rank their customer service calls as the worst of any company I do any kind of business with. They don't do what they say they will do and then pass the blame on to the customer or another agent.

There were some fraudulent charges on my card. I called to ask what this is. That's $700.00. What happened next was they send me circles and circles. The result is they are going to do investigation meanwhile I have pay this charges. I was speechless. First of all what investigation. I Don't even know what and who charged my card, Also when there is some investigation take place they must issue an conditional credit. Not demand that I pay this account but this is what they do. The bank is in Philippines and the rules are according to the Philippines Laws. Closing this card is what needs to be done.

I've Been a loyal Citibank Customer for Years! I had a 5000 dollar balance! I owed them 50%!! Some months Paying 300! They reviewed my Credit report which was still a 720! Took the remainder Bal and left me with 69 dollars! The next Day my bank sent them their money and was in the works! I'Il Never do Business with them ever Again! They lost a Good Customer! Citibank is Slimy!

Citibank does not stand by its customers. Filed a dispute and it was resolved in the merchant's favor while not even requesting my proof against the merchant. Of course, I can appeal but they make their customers jump through fiery hoops to prove otherwise. I will not be using their credit cards anymore out of principle. I know I am just a small voice and this situation reflects just how little standing the average citizen has as opposed to big business. Shame on Citibank!

Absolutely horrible customer service!! I’ve had the Citibank credit card for about a year now and the majority of customer service representatives that I have spoken, and even the supervisors are rude, unprofessional, and difficult. They do not want to help resolve your issues. They pretend like they’re working and they are robbing the bank. They keep you on the phone for a long time. The last time that I was on the phone with a supervisor, I was on the phone for almost an hour. She never resolved my problem. They are slow and inefficient in their Processes and even insult you over the phone. No matter what interest rate they’re offering, it is definitely not worth it to do business with Citibank.

By far the worst customer service I have encountered. So hard to reach, so hard to even hear. And to top it off they just hang up on you. I was on the phone without knowing why I was on hold after speaking to a representative. 0/5, but I can’t give 0 stars.

I have a Citi AAdvantage card. When I got this card the salesperson on the phone said that if I spent $1500 in 3 months I would get a $400 credit. I asked more than one time if I could spend it anywhere or if it had to be spent on American Airlines and they said it could be spent anywhere. I spent $1500 and didn't get the credit. When I called, and told them they forwarded me to management and they looked into it (because the calls were recorded) and they would not honor what the sales rep told me!!!! I will be cancelling this card!

My Macy's STORE card was my first credit card - 27 years ago. I purposely used it and maintained it. Sometime later, I also opened a Macy's Amex account. In June 2024, received Citibank/Macy's notice STORE and AMEX accounts were being consolidated in July. I called and closed the Amex account immediately thinking that would stop MY FIRST CREDIT card account being closed. On July 24th, I called to validate. I was told BOTH accounts were closed and cannot be reopened. I was told since I had both accounts, I was classified as "dual" and the store account was closed and could not be reopened, "It was a "systematic process," I was told.

I made a purchase on July 10th and another on July 13th and told I had some kind of fraud on my account after so I sent them a check and yes receipt for amount of purchase to prove what I purchased. All I got was a customer service person that couldn't talk English and blah blah so I sent another mail showing copied of receipts and check and requested they close my account. All I got was the same blah blah person on July 20th 7 days after; then on the 20th I got a letter and called and emailed them and talked to Fraud Supervisor. Same runaround. So on July 24th I called and got the main CEO and in 5 mins my case and issue was taking care of.

I have two Citi cards that are billed as being cash back cards. These actually are points cards. You get thank you points that can be used as a statement credit or buy gift cards with. The points deviate downwards when you buy gift cards. These cards are good for obscure merchants and others you might find in major airports. If you take a statement credit it doesn’t count as payment. You will miss out on your thank you points by taking a statement credit. Customer service doesn’t speak English, they read at you from a script. I’m seeing that Citi will chase your balance if you run a high bill.

I have received several preapproval notices in the mail so I decided to finally apply and guess what? I was denied with a low 700 credit score. I will never ever use Citibank ever again. They can remove my name from their mailing list. My advice is never use them. American express delta sky miles is the way to go.

I am having the same problem everyone else is complainig about. Citi stopped my card for suspicious activity (for tow payments that recur constanty on this card...our groceries and cable bill). I called and asked for "customer service" and it took 30 minutes to get that taken care of. That person said it was OK to use the card, so I tried to process a payment for groceries while they were on the line. It still did not work...so now they have to transfer me to csutomer service (who I thought I was talking to all along).

Terrible credit fraud support and customer service. I was traveling and had "suspicious charges" on my credit card. This was the third day into the trip, so a little late, but I should have informed them I was traveling. Instead of receiving a helpful text message like their competitors do, Citibank turned off my card. I called to have it fixed, and they asked for my secret code, which I provided. Then they said they were going to send a verification text and asked me which number to send it to. I replied, "Just send it to the number you have on file. That's my number." The representative responded that she could not. I had to give her the number to send the text to. I said that seems suspicious, so she transferred me to a manager who said the same thing. I decided, never mind, this seems strange, so I will just cancel this card. She said she would send a cancellation letter to my house. That letter never arrived.

I will give them Zero stars. They make a mistake and flag my card as fraud and they didn’t provide me any logical update alternatives to sort it out (Validate thru email/app validation/text msg). They make me wait 7-10 days for a letter in the mail. It was the most disappointing, frustrating experience I had have with a Credit card company.

Their customer services are absolutely horrible. I talked in a 48 hour period of time 48 hours trying to get my account unlocked. Somehow the password on the new iPad didn’t work. I spent six hours on the phone with CitiCard's customer service. Unfortunately for me it was after business hours, and I had to deal with the **, I’m not racist but I could not understand what they’re saying to me with their accent. They got frustrated and called start calling me a bigot blah blah blah but I’m saying, "Don’t get upset at me. I can’t understand what you’re saying."

Citi Double Cash credit card made a mistake and failed to take the payment on May 13, 2024. After 12 calls today and spending 2 hours with representatives and with managers and speaking to: Anyssa, Adam (Manager), Donna from Executive response who gave what is supposed to be a phone number for Citi Corporate Office, but she gave me a fax number. Cora at Citi Card, gave me wrong information about the phone number: 213-244-1758. It is not a working number and not the number for the executive office. 212:-559--1000 is a number for a person that is not available! 212-723-2749 is not a working number. I spoke to a person from Hardship and the Executive team, Tareqa, she transferred me to Yeshie who said that they made a mistake with my routing number, but the account number was correct and that my bank returned the payment because they manually put in the wrong routing number.

THE WORST CUSTOMER SERVICE. They refuse to allow me to check my credit card statements online. I haven't received a statement in months. They closed my account and won't give me the new card number which leaves me no access to anything.

Recommended by Experian for balance transfers. It was a top suggestion, since my credit score was 797, then they proceed to give a $500 limit. The Well Fargo card, with the same balance transfer offer, gave $15,000 limit. Called Citi and they said you can ask for an increase in 6 months. Total waste, so do not apply.

Our family have used Citibank for over two decades, but it has become quite problematic recently. Transferring my funds out of my Citibank account feels like a nightmare. They have used various excuses to question the legitimate source of the money and have denied my online wire transfer to my spouse's Citibank account, even though the funds were transferred online into my account a few months ago from a Chase Bank account which we both jointly own. Worse still, they are now asking me to add my spouse's name to my account before they can release the funds for wire transfer. Otherwise, they threaten to hold and freeze it indefinitely. To add a new name, we must both visit a branch, but Citibank has no branches in Georgia, where we live. My urgent need for a quick money transfer is now in jeopardy.

Thinking about getting a Citibank credit card…Think Again. I had an American Airlines Citibank Mastercard. Why, I’m not sure, 1 free checked bag, boarding group 5 instead of 6. Minimal perks, not a Visa so not accepted globally like visa, not accepted at Costco. So the card sat in my desk drawer collecting dust. I received an email from Citi informing me my bill was past due? I thought, "How could that be. I don’t use the card." I called Citi to find out about the charge & cancel the card. I was told the charge was for the renewal fee. I said I wasn’t renewing and cancelled the card. Since that time Citi has unleashed the hounds of hell on me. Multiple texts, robo-calls, emails pushing me to pay the $90 renewal fee.

I have had a card with CITI since 2012. For the most part it was fine, it’s a source for purchases when needed. The rewards are mediocre, but the best part was having a large limit when I need to make a large purchase. When I was using regularly they continued to raise the limit! I was benefiting the company. Now that I am not spending I receive a significant limit reduction. Well… this bothered me so I called to discuss and first thing is they outsourced all service #1 and #2 as soon as I ask about the decrease and to help me understand why he immediately said “Read the email notice. It's all there”.

I would give them zero, I had fraud on my card and they gave me money back then when they received response from consumer reversed charge back to me. I live in Florida, someone bought tickets to King's Dominion in Va. Because the person hacked into my email apparently and got the email to print vouchers they said I used them. I have repeatedly ask them to have consumer pull video because nor or anyone I know used those vouchers. The same day the person charge something in NY. But that’s not suspicious. You can’t talk to a US person, they are foreigners that have all our personal so information. I would never use this company, they are only here to protect illegal practice, not the consumer that has been with them for years. I will be closing both my Citi bank cards. DO NOT USE THIS CARD COMPANY. I will tell everyone I know to close their cards before they let this happen to you.

If I could give 0 stars I would. I had my credit card with them for over 15 years. My credit limit was $22,500. My balance was higher due to fixing up my house to sell. But I paid the balance I did have in full of $15,000 when I sold my house. After I gave them $15,000, they changed my credit limit from $22,500 to $300 (yes, 300 dollars)!!!! No change in income, I paid my balance in full and my credit score went up to the low 800's. They refused to reverse it despite numerous calls and claimed it was because of my credit score. I am cutting up the card and taking my 800+ credit score elsewhere!!!!!

Warning they will lie and close your account. I had a weird email come in saying if I didn't use my credit card it would be closed so I called Citi Bank to ask about it but they informed me there was no such warning or message on my account about this and that I could ignore the email, it's a scam. Now sometime later I got an email my account was closed and every time I called about the closer I'll notice their customer service representatives will contradict themselves or lie about something that's false like telling I can reapply with a hard pull now or call Equifax and they can reopen my account with only soft pull but when I called Equifax they said their was no such thing and what they said was incorrect. When called back to speak to a supervisor at Citi I would catch him contradicting himself. Knowing now that this company are just a bunch of untrusting amateurs don't know what to do about an account that I was building over 5 years of credit age.

Terrible bank and credit card service. Refused to raise my credit limit for almost two years despite keeping information up to date. Documented a 40k increase in income, still no raise on my limit. Terrible customer service, will keep you in a call loop and it is impossible to get in touch with anyone with executive function. They will force you to come in person if you need anything done. I wouldn't even recommend them for a starter card.

Early March I received just under 2,000 USD fraudulent charges on my CitiBank Visa. I notified Citi that the charges were not mine. My account was credited. A few weeks later all but 1500.00 was charged back to my account. The 1500.00 charge was stopped. The balance I was told were my charges and I needed to pay for them. I was told the mail order company sent packages directly to my address. I asked what proof they had, such as a picture of the package on my front step? They just said they had proof because the company told them so. Citi provided no assistance or guidance. I was told to pay up as they were my bills.

I’ve had their card for approximately a year. I got it through my Costco card and liked the rewards that were associated with the card. I must definitely never let my balance go unpaid and pay it in full. So then I can maximize my benefits. I used to have their auto pay, but then I moved to another state. Due to the remote location with less access, I was unable to restart my auto pay that was associated with my new bank account. One of the reasons why I couldn’t reset up my auto pay was due to needing verification through plaid or whatever. So since October, I’ve been paying my bill by telephone.

If you need to make a dispute, they make it, literally, impossible to do! They are great for anything else, but purposely make it impossible to dispute anything! They ask 10 million things, then you have to send in pictures by mail.

I am a US Govt employee and have a Citibank commercial travel card. Customer service is horrible. More often than not, waiting queues are an hour long. They have no incentive to provide good customer service to US Govt employees or serving military personnel. Furthermore, they provide no option to contact them via email from one's on-line acct. I, and many others, have recommended, and will continue to recommend, that the US Govt terminate their contract for cause.

The customer service is completely useless. They’re not customer centered and won’t transfer you to a supervisor. Their goal is not to help you get to a solution but rather look for ways to blame you. Had a card for over 20 years which was closed. Over $99 charge that I was unaware of that snowballed into $357 with interest and late fees. When I expressed my concern over how it would affect my credit score the account manager insinuated that I was entitled. I learned my lesson… Citibank never again.