Citi Credit Cards Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.