Citi Credit Cards Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I've had the Citicard for over 20 years. I've never had an issue with it being accepted anywhere. When there have been fraudulent charges, which happens more than I would like, they have been prompt in reversing the charge. I can think of only one time where I ended up getting screwed on a fraudulent charge, and that was more the function of a deceptive vendor with very very small print. Overall I am happy with the card.

I have an AAdvantage Citibank card. I have this card that I use but not as much as I used to use. I enjoy the airline miles but would like to have a card with no annual fee and also get miles or cash back. The only reason I have not cancelled is because I have a high balance and don't want cancelling to impact my excellent credit score.

I have had excellent experience with Citi credit card because it good reward points and protection plan. It is one of the best credit card in the market. I would recommend highly to anybody who wants another credit card.

The Citibank Costco credit card is our go-to choice for most purchases because of its superior casback benefits. While these are, of course, best for purchases at Costco, they are excellent most everywhere else: 4% at gas stations, 3% at restaurants, and 2% on everything else. The cash back is best used at Costco, but can very easily be used as true "cash back" from any Costco PoP. Even better, cash back rewards can be doubled on most Costco purchases with an Executive Membership that pays for itself many times over. Billing is clear, accurate, and efficient, both online and by paper mail. We have never had an issue of any sort with the handling of our account.

Citi Double Cash credit card is the best! You get 1% cash back on all purchases and then 1% back when you pay your balance. The only thing that could make it better is for Citi to raise the cash back percentage to 3% or more. Maybe for those folks that pay their balance in full every month or charge a certain monthly amount, for example.

I have excellent credit 760+ Well-established lines of credit. Multiple credit cards, autos, mortgage. Make good income and all my debt to income is good. I was approved for $3000 limit which I have no use for. All of my other credit cards average about $20,000 limit. I got this card so I could transfer a balance and take advantage of the 0%. I was told that once I get the card I can call and they will give me an increase no problem. After speaking with a representative she couldn’t help me, then the supervisor couldn’t help me. And wanted to pull my credit again when they just pulled it seven days ago. I declined that of course.

My American Airlines Citicard had no annual fee and gets me mileage rewards. Website is easy to navigate and customer service reps are knowledgeable and helpful.

I use this card just for Costco, the interest rate is very high, however I try to pay it every month but sometime I can not ab=nt. The interest rate is very high.

I have a CitiCard for quite some time. I just upgraded to a reward card. I have never had a problem and it has become my "go to" card.

Initially I received an interest rate that was reasonable. Then after a promotional period ended they raised the rate on the card to 21.99%, which is very high. I called them several times to ask if they could lower their rate. They refused to do so. During Covid I was having financially difficulty and asked again if they could lower their rate, they agreed and dropped the rate to 15.99%. For about a year and half I was paying a very high interest rate. I try to only use my credit cards when I can pay them off immediately.

Our Citi card is linked to our Costco membership and we practically use it exclusively for the reward points earned on every purchase. It provides me with excellent customer service whenever I need to address any issues that arise, such as disputed charges with vendors. It also provides me an easy way to track expenses.

It is crazy that sometimes my card is locked for small purchase by anyone using card and I don't even know it until I check email. Embarrassing and irritating.

Citi provides low rates. It allows you to transfer balances. They do not have yearly fees. And their customer service is always available for any questions or concerns.

Citi Does NOT have very competitive credit cards. Citi in general does not offer combining balances of various citicards to maximize credit line like all other offerings. It also does not offer repeats on balance transfer, which makes every card just a one time special. Not very exciting and not very flexible.

I got an email from Citi to roll into the Citi Rewards+ from Citi preferred. I did and received my card. However, my new card didn't appear in my regular Citi log in. Therefore, I didn't know that I had a payment due since I don't even get the paper statement. Therefore, I was charged $28 late payment fees. I called customer service to link my new card to account and to remove the late payment. The customer representative said that the system cannot or do not take it back because looks like this happened few months ago. She straight up lied because I never miss my payment and I usually always pay up in full.

The credit card I use is fantastic! I love the 2% cash back on everything and customer service has been great. I love the ability to use my rewards on cashback items. I wish they would have increased cash back for certain categories.

When I called customer service I asked about my account. The lady could not answer my question, just kept telling me I'll get an email.

I have a Citi card because it replaced the AMEX card for Costco. Last year, I saw two fraudulent charges on my card after visiting Costco and called Citi for assistance. Citi 'customer service' was not helpful and was just shy of accusing me of these charges; whereas, AMEX would have contacted me to let me know that something was amiss and would have taken care of this immediately. And, the Citi interest rate, YIKES! Citi gets an overall BOO HISS for rates and customer service.

Citibank is a very reputable company for their credit cards. They are so efficient in getting your account set up quickly along with an excellent mobile app. They provide nothing but the best when it comes to reporting to the credit bureaus.

They will not cover your rental car any longer, but even when they did before, what’s the point? They would do everything in their power not to pay in case of an accident. Their customer service/dispute department is a mess, very unhelpful. They will not be on your side, but rather on the merchant’s side. They don’t send messages directly to your inbox, or in some cases don’t even tell you there is a message, like all other cards do, you have to log in into their website and go through layers of menus to find an important message you have been waiting for. Their reps speak with heavy accent. They charge foreign transaction fees. Enough, Citibank, I am closing all my accounts with you, after 20+ years of being a customer, go find fools elsewhere to join under such conditions - not me!

I have not had any problem with Citibank. They inform me when they suspect fraudulent charges. I feel safe and secure with them. Also they have waived late fees which I really appreciate.

After the death of my husband I continued to use the card and pay off the balance every month. After about 2 months I called with a question and they closed the account. Did not offer to set up a new one in my name. Then they sent it to collection before the bill ever arrived. I had that card for 27 years.

I don't use credit cards very often and I am constantly being pressured to use my card or it will be cancelled or my credit limit will be lowered.

We got our CitiCard through Costco. We earn back cash to spend at Costco. Sometimes we have a hard time spending all that we earn. It's a great card and we wouldn't use anything else.

This company is not professional, very racist and have no idea what is going on in the company with their employees or customers. I would not Recommend any person of any race to get a card here. They are very racist and not knowledgeable about their company. This was the worst experience I have had with any company in my life.

I have always had excellent credit. I'd had a CitiCard Rewards card since 1999. When my Mom passed away this summer, I wrote a check to pay my balance with her account, since I was Power of Attorney and had incurred a lot of expenses. Long story short...bank froze her account and the card payment was denied. So far...okay...I get that. Next I received a letter that my account had been closed. No explanation. I called and they said it must have been the frozen checking account, but why?? I'd had a perfect payment record until my Mom's death happened. I still paid off the card within a month despite probate. I read the reviews on this website and found that I'm by no means alone in my experience. Terrible, and good riddance.

I just got a new card and went to the local pharmacy to get some medicine. I have used the pharmacy before with the old credit card. When I went to make the purchase, the card got declined. I got a text saying that there was suspicious activity on my card, that if it was me using the card to text back 1. I did. I also got an email saying pretty much the same thing. I emailed back. Got an email and text saying it was ok to use the card. Here is the text: Free Msg Citi: You're all set! The purchase was approved. There's nothing else you need to do.

Citi baits customers with great introductory deals, but then pounces on customers like loan sharks after the slightest move. High fees, high interest, and a near monopoly. NO empathy during COVID. Cannot wait to pay off card and never go back.

Closed my account for no good reason AND refuse to credit me with my EARNED dividend dollars!!!! After carrying this card for over 15 years in good standing, they cancel me due to a dispute of less than $200 I had with Home Depot on my Home Depot card. The best part is they refused to credit my final statement with my EARNED dividend dollars. Disloyal and thieves! Go with a local bank/credit union and stop supporting these rotten corporations. That's what I'll be doing.

I have mostly had Chase Cards and got used to their pretty flexible and empowered customer service. So it was a real shock to experience the truly Scrooge-like service when I switched to CitiCard. I made the switch because the Double Cash card is more appropriate for us than mileage cards in the age of Covid19. I have perfect credit and qualify for virtually every card out there instantly, and it was weird that they made me wait a few weeks before approving me and then they forgot to send my wife her card and even at the second request it hasn't been mailed (they actually didn't mail it). I can't imagine what this is like for people who are less lucky than I am.

UPDATED 10/19/2020: My husband and I had one credit card only. It was from Citicard and we had it for over 30 years. In late September, I called Citicard to report my husband's death. He was the primary on the card even though I paid the bill every month. I assumed that I would be moved up as primary. Instead they closed the account and began an application for me for a new card in my name. After a few days, I got a call from Citicard saying that I did not qualify on my own. i have a credit rating of over 800.

I have been with CitiCards for more than 10 years in good standing. These losers recently closed my account without my knowledge or consent. I received no notification at all. My credit monitoring company alerted me that my account was recently closed. The heartless customer service rep lied and stated notifications were sent out via mail, which I never received or else this could have been avoided. Allegedly, my account has been inactive for 24 months, however my credit card expired on 08/31/19 and had not received a new one. I would not advise you to deal with anyone that is willing to lose a loyal customer of more than 10 Years. The idiot refused to reopen my account and then abruptly disconnected the call. Deal with these losers at your own risk.

Citibank charged $99 annual fee and over 20% interest for their Mastercard. I called to see if they could wave the fee or lower the interest. Citibank could not, so on 2/14/20 (Friday) I paid my balance in full online while still on the phone with Citibank. Citibank confirmed that my balance was paid in full and that there were no pending charges and that concluded the call.

I have been in contact with Citi trying to get my money back from a canceled flight with no results. Dispute center actually had the money but never gave it back to me but instead sent it back to the airline. The protection does not really work. My flight got canceled and I have confirmation that I should get a refund from the airline but they are taking 7 month now. My Citi card was useless in getting the money and I am not sure why they cannot get it.

I bought concert tickets to the Rolling Stones through Stub Hub for June 10th. The concert never happened due to Covid and yet I'm still being charged. This company does not value its customers. So now I'm out $1200.00 for a concert that never even happened. I wouldn't believe this if it didn't actually just happen to me. Spent the last almost three months on this mess. Spoke to multiple Supervisors etc. I will be getting a different card with a company that actually cares about their service and customers. What a disgraceful business practice.

Please under no circumstances accept the card. I'm a healthcare provider who works really hard in the middle of a pandemic. They called me and expected me to stop working on my patient to talk on the phone. I had/have the money to pay the card, and just because I couldn’t talk to them over the phone they reported my credit. I never stopped paying the card. Didn't request for forbidden payments or help to pay. Just don't accept this card or anything coming from this bank.

I have had a credit card with Citi for over 4 years. Today I got an e-mail stating they lowered my limit by 500. I have NEVER been over my limit. ALWAYS pay ahead of time & often make extra payments each month. My income has not decreased. I have not asked for Covid-19 assistance. But they say it's because of a dispute I'm having with Conn's and a 60-day delinquency with Conn's!?! They are not affiliated with them in any way. VERY disappointed with Citibank and this kind of practice. WILL be closing this card within the month. The ONLY reason they get the 1 star is because you have to give at least 1 star to write this review.

Literally the worst customer service ever. I disputed a charge with CitiCard, provided the same information 3 times only to have it requested yet again. When I call, representatives are either unable to comprehend English or argue with me. I can only assume CitiCard intends consumers to give up in frustration so they don't have to actually do their jobs. Well, they succeeded... After years with CitiCard I have closed my account with them and will never do business with their company again.

In April 2020 CitiCard contacted me regarding a fraudulent charge of over $1000. I called them immediately to confirm that the charge was not mine and they cancelled my card and sent me a new one, reassuring me that the charge would be reversed. Not long afterward I noticed the fraudulent charge was now posted to my new card. I called about it and they issued a temporary credit while they reviewed it. Next I received a letter saying that based on what BestBuy had sent them, they were charging my card after all and included an invoice. The invoice clearly showed someone else's name in a state at the opposite end of the country had purchased an expensive item online and picked it up. They used my billing address and card number, but used their own (or someone else's) name.

I disputed a charge for a StubHub event that was cancelled due to Covid. I contacted Citicard several times and was promised a credit on my account but I never received a credit. I have spent countless hours calling and chatting online - I have record of many chats where I was promised that this would be handled but the promises were not honored.

Only had my Citi credit card for 3 months and had my first issue. I made a purchase with my reward points and then 10 minutes later received an email that they could not be used with no explanation as to why. My account still deducted the points and the store that I purchased from went ahead and charged my credit card because the points were later denied. I spent the next three days on the phone with them trying to get this resolved. Every person I spoke with said they would note things in my account but not 1 person did. I asked to speak to a manager multiple times to which they refused. Finally, after three days on the phone with them, I got to speak to a manager. She reimbursed my points that I lost plus said that I would receive 9,000 bonus points on my next statement for all of the hassle I had to go through.

I have been a Citibank customer for nearly 30 years. I have a checking account, overdraft account, and three Citicards. I've always been happy with the company and customer service, until I applied for a Citi Simplicity card earlier this year. I don't know why that particular part of Citibank is so bad, but it is. The Citi simplicity team is extremely disorganized, and their customer service reps are poorly trained. Today I received an early fraud warning by text, asking me to call in. When I called it took 10 minutes for the customer service rep to verify me, and I kept asking what exactly has happened to the account. He responded that there's been no fraud and in the future when I get an early fraud warning I should just ignore it. What a dumb answer. I don't know what's going on there, but Citibank management should fire that entire team and start over. That one team is ruining the entire company's reputation.

Everything about Citi card is perfect. Their fees are less and they help boost your credit score. Their customer service staff are competent workers. Citi card app is well secured for all your online transactions.

Excellent customer service. Very friendly and helpful. I love my CITI credit card. Love the 5% cashback offers. Never have a problem using this credit card anywhere, even in Greece on the island of Crete.

Out of all of the credit card companies I use, CitiBank has the cleanest, easiest to use, and most simple online platform to manage my CC. However, Citi is by far the most difficult company to find information on where my fees are coming from. While I pay my CC debt in full every month, I still get interest charges. It would be fine if I could just figure out when those charges are being applied, which I cannot.

This card provides lots of rewards not only by using it at Costco but anywhere. It gives you points that are turned into money that you'll get once a year in February so you have the whole year to use it and then have some cash money to use in whatever you want. Their phone app is also great, super easy to use and with lots of tools to administrate your credit line in the best shape. I've had many other credit cards in the past and this one is highly recommended!

Citicard has always offered lower APR rate and great customer service to me... maybe because I have been a customer for so long. Great experience and easy bill pay site online! I know regardless of my need, they do their best to HELP me!

When I first applied Citi was not going to give me a card, me on a small fixed income but did when I mentioned I was a Veteran. Since then, other than a few internet snags, I have been pleased with speed AND quality of service and the Double Cash Back feature is a plus.

This has been a very useful card with 15 mo 0% and the lowest rate compared to all my other 3 cards. It has become my daily use card and has become my only card for online purchases. I use to use my Walmart card for online but it doesn't always work and has a very high apr.

Citicard offers pre-approved cards. Then denied my good credit. Giving me a ding on my credit. Probably denied because of inquiries just like the bad inquiry they are giving consumers. Duh... You just lost a good paying customer Citibank.

Whenever I have had to contact them, they have always immediately assisted me with whatever concern I may have had. I am pleased with the rewards schedule also. When I travel, I can use the card just about anywhere that I go with no foreign transaction fees.

Customer service is surprisingly good, and they actually call you back when there's a dispute or problem. That being said, there are some hidden fees to be aware of when you sign up, so negotiate those before you sign up.

I have been able to travel alone, with a friend and with family by putting almost everything on the card to the tiniest item. Travel is very important to me and having a way to get free, airline travel is fantastic.

During Covid-19 I informed them that I won’t be able to to pay the entire statement like I used to, and they continued to try to withdraw from my bank and got returned twice, then they decided to close my account after I have been with them for almost two decades!

I use CitiCard for convenience only, my one time dealing with them was typical. I miss the old customer service where you really counted and was not just another number. I also find that the date of payment is rather soon. It would be nice if especially now that the company would give an extra ten days for payment...since they all seem to follow one another it would also make them a leader in this industry.

I loved the Citibank company. They have fantastic customer service agents. They were willing to work with me when I was in a position where I couldn't make the monthly payments on time. I would definitely recommend this credit card to family and friends.

The customer service is excellent. Posting transactions are quick and precise. Interest rates are very competitive. The entire team from low to high is very knowledgeable and always friendly, professional and go above and beyond to help and explain in easy to understand terms.

Citicard is my go-to card when purchasing gas either at Costco or any gas station. It gives money back at the end of the year but it can only be used for merchandise at Costco. Easy to access statements and make payments in line.

Got my CitiCard via Costco. It send me a check and Costco send me a check to use in Costco. I use the US Bank card that is with Harley Davidson. I tend to use the Citi more. I was at a meeting in DC for the minority. They raise a question on CC and I raise my hand and was ask to speak. Pretty much I said, use a card that pays you back not in points. (I still will turn down points reward due I do not shop at what they say. Not LL Bean or others they promote.) Use the card that rewards you with a check.

Online redemption of rewards was impossible - always some tech glitch. Customer service never could resolve issue. Yet doing it over the phone would automatically penalize us points or cost a few, so we were extremely frustrated. Also point redemptions were very limited in terms of our options. Horrible experience all around.

I love the ease of use, NO maintenance fees. You earn money back & it has a low minimum payment per month for payback & low-interest rate as well. My credit was fair to good & I was approved for a larger limit than I first expected. The customer service is awesome.

Our CitiCard is through Costco. Rewards; gas, travel, dining out and Costco shopping make great sense for our lifestyle. Annual rewards payment is a nice spend for us. Their online site and payment options are super user-friendly too.

I have been using Citibank AA credit services for over a year and a half, I have been happy with them. They have returned my calls in a professional. They have always answered my questions very fast. Rewards and special offers are very nice.

It’s a card that fits my every need. No unnecessary fees or penalties. It also affords me the opportunity to speak to an individual rather than fumbling through auto answering machines. Additionally the rewards program and customer service is excellent.

The rewards are good, 1, 2 and 3 percent, but they could be better. Like making it 2 percent instead of 1 percent for everyday shopping. Most places the card is used is only 1 percent rewards and speciality shopping is more. My card is not used for special purchases, just everyday purchases.

This is the Costco/Citi card which I've had for quite a few years and have been very happy with it. They have alerted me to possible phishing/hacking attempts and I feel very safe. Their handling of disputes is awesome, efficient and quick.

Citibank is great! They even have a savings account that if you put in $25,000 everything is free and you get .60% interest that’s better than my bank now. I had a hacker one time when I got on AAA site and booked a vacation and Citibank was right on it. With my help, we shut the Hacker down the same day that they started. They overnighted me my new MasterCard because I told him that I was going out of town in three days. So what I’m saying is that you couldn’t ask for better service, you couldn’t ask for better events that were taken care of. Citibank also has an interest rate around 14%.

I am totally willing to change this review if needed but I spent over 2 hours on the phone two days ago (before my bill was due) to ask for 3 things: one was to remove the automated payment option on this as I needed to pay from a different account. The gal I spoke with (I wrote her name down but won't disclose here) was from an outsourced company (overseas) and was not able to understand or follow my simple request, so I asked to be transferred to another agent (after wasting 15 minutes getting nowhere). She then transferred me to a completely wrong department -- the bank! I spent another 30 minutes on hold to get to the right department and spoke with another gal (same story -- have name and from outsourced company). She did a little better but promised to take care of the issues (3) then said she couldn't take care of one (communication request).

My CitiCard is tied to Costco. I love the reward points and the service is impeccable. I like the options for notifications and Citi is very diligent about checking on unusual type charges to make sure they are legitimate. Citi is top notch and I can see why Costco chose them to service their account holders.

I like the possibility of acquiring American Airline miles although I am not planning to use them now during the COVID-19 pandemic. I like the website which is very user friendly and well organized. I also feel that their customer service is one of the best.

Customer service is trash and Citi will Unknowingly charge you fees Every 2 days, only giving warning after they are past due. UNACCEPTABLE. After wasting 30 minutes on the phone about a late fee that occurred from another fee they created they refunded me nothing.

I have had disputes going on since December that they keep jerking me around and I feel like I'm doing their job and not getting paid. Have had authorized user names twice appear on my account and they again won't take any responsibility. They have lied to me several times. Not sent me the info they said they would. Even sent someone else account information to my address. They are being run by the Philippines and it's been a mess. On hold for a hour more than once. I have had them for 17 years and since last October I have one issue after another with them. They argue with you, lie to you and all I have gotten is STRESSED. I told them tonight I'm done and I'm contacting the BB and letting them deal with it. Why would a dispute carry on this long. 7 months.

I have had the Citi Costco Visa and have been a Citi customer for a very long time. I recently received a refund as I am a Chicago Cubs season ticket holder. As I had $0 balance on my credit card they just left the credit on my account, over $7500!! I called and was told that it would take 5 business days to get my money back into my bank account, it had to be approved. APPROVED???? It's my money!!! After a little over a month they finally sent the credit to my bank account. Now I have received another refund from the Chicago Cubs and Citi thinks they own my money again and it's been over 3 weeks since I requested the credit be put back in my bank account. THIS IS MY MONEY!! Citi trying to control my money. STAY AWAY FROM THIS COMPANY. THEY SUCK!! THIS IS HOW CITI TREATS YOU DURING A PANDEMIC!! ZERO STARS.

My wife and I were loyal Costco Citi users since 2010. She passed away this April after an extended illness. She was the primary user set for all of our financial accounts since she was a homemaker, and needed the credit scores. My bank, broker, Costco and AAA all were very sympathetic and quickly eased the transition to setting up primary accounts in my name.

Long time customer 20+ years needed to purchase carpet. Instead of getting approval same day I had to wait email from Home Depot card. "Sorry you need approval for extra credit." My order fell to the wayside. I paid off card and shop elsewhere.

I couldn't access my account online to get the year-end statement for taxes. Tried to reset password. Didn't work - info didn't match their records. Tried live chat - didn't function at all. Called and was passed around to SIX different people. After literally ONE HOUR on the phone, someone said there was a "new CVC" issued, and they would have to transfer me to someone that can help. That person put me on hold, and I got a busy signal 60 seconds later. Their company creed is "I can't help you sir, but let me transfer you to someone that can."

I have been a customer for 25 years. I was late on one payment, 3 days late, and they slashed my credit in half and made my available credit $100. I NEVER received any notice at all and had 1 late pay.

Let me keep it clear. Citibank is not able to cope nowadays busy life financial issues therefore, if you do business with them you gonna get hurt. I have a dispute pending since February 2020 till now June 22 2020. Citi required forms and statements, 4 of which the lady returned by the post office because the PO box was closed. Calling citi every other country rather then United States replayed. I have spoken to people in the Philippines, India, Bangladesh dash, South China etc. All all them resulted incompetent because of eventual language barriers or detachment for united states life while the in South Dakota are unreachable. Today June 22 2020 an employee a female in India added money to what was a dispute doubling the amount due. If you wanna get ruined...please I encourage to do business with Citibank. I gave 1 star because the system does not allow me to give them a black hole!

I made a payment to CitiCard in the amount of $575 by check in March 2020. They say they did not receive it. However this check has been credited to my account and shows as paid. They say it has not been paid. I made another payment in the amount of $822.76 by check in May 2020. They said they did not receive that payment. Citicard agreed I should put a step on the check which I did. Regardless, Citi Card received the check and sent it in to the bank. And, of course, it was returned to them. I then paid online. They rejected it.

This bank is so unfair, due to pandemic they decreased my credit limit big time which causes my credit score to dropped as well. I have never had late or missed payment history. None of my other credit cards did the same thing Citibank did. It has so unfair.

Late fee in May due to Citibank deactivating auto pay. Called Customer Service and the representative admitted the "automated online system deactivated auto pay in April". Refuse to reimburse the card for the fee. Same exact thing with my wife's card, 2 months of fraudulent late fees and the bank refused to reimburse the card.

I have always used the same account to pay my Citi card, sometimes it goes without any issues sometimes it takes 3 weeks for it to reflect. As of this review they have around $2,300 that I paid "on hold". Very unreliable company. Citi sucks!

I am absolutely disgusted by the experience that I have had with CitiBank. They have their own cards and I have two cards with them. I received a call saying I had a balance due and I was not told which card it was. I kept calling and no one would tell me something so simple. I was transferred to a call in the Philippines and the employee who I spoke with sounded either extremely exhausted or drunk. I did not feel comfortable exchanging my information with this person and I could not go through with speaking with who I needed to about my situation. I was charged even though I was paying the balance of my accounts and any extra charges were not made aware to me. I have always signed up to receive paper mail so that I can see my whole account and what needs to be paid, but they stopped doing that. I have been a customer for years and this is how I am treated?

This has the worst company I've ever banked with in 30yrs. In one week of opening a new credit card, I have a 770 credit rating, I've had two declined transactions and spent hours on the phone while they try to validate my account. In the end they need to send me a letter in the mail to validate who I am and won't answer any questions about my account activity until I validate the letter. They have my email, SSN, phone #, pass code, birth date, address...but somehow don't want to ask any of those questions. I'm being told I need two phone numbers on the account for 90 days that they can use. But the accounts been open 1 week. All I want to do is give them my business and they don't want it.

Our gym charged my wife and I after they agreed to stop billing due to us giving them a 30 day notice, that they require. We filed a chargeback. Citi Cards gave us a temporary credit. They never notified us that they ruled against us. We found out when our temporary credit was reversed. This happened during the Covid-19 stay at home quarantine. We had more important matters on our mind, so we never pursued the matter forward. Flash forward and Commentary/Remarks keep popping up on our credit reports; something to the effect: "Dispute Resolved. Customer Disagrees". First of all, we don't disagree or we would have kept fighting. Secondly, we are applying for a Refinancing on our principal residence and the underwriters get very concerned whenever they see the term, "Dispute" on a credit report.

I have had Citibank for at least 10 years. They dropped my amount from 11,500 to 340.00 within a month during the pandemic. Never told me. I have good credit and have always paid them on time. I just paid off the remainder balance in May and notice on my account had changed to that ridiculous amount in June. When I spoke with a rep, they told me it was due to the credit bureau reporting to them???? Again I have good credit. If anything this will now hurt my credit now! I will never use them again for anything.

I've been a customer since 2017. 3 years of no problems, good payment history, never once late on my payments and I managed to build up my credit to a nice 10K. Fairly disgusted with the Citi ways right now. In the middle of the crisis and worldwide pandemic, they just go ahead and start dropping customers - I had a $10,000 credit limit and today received a notice that they kindly reviewed the info and now my credit limit is 500! Really, great timing, thanks. 'We are all in this together?'

I had a Citi credit card account for almost seven years. Today, 06/01/2020, I closed my account and cut up the card and threw it away, for the following reasons. On 04/03/2020 I disputed a fraudulent charge. A couple weeks later citi replied with an envelope full of papers, most of which were in such tiny print that they were unreadable. The citi company did not defend me against the fraudulent charge. Today, I phoned citi and waited 23 minutes for an agent to answer. She said she could not help me and transferred me to another office. I waited 35 minutes for an agent to answer. I spoke to her politely and softly, but she responded with an increasingly bad attitude, told me another phone number so rapidly that I couldn't write it all down, then cut me off.

I have had a Citicard for sometime. I recently asked for help during the current pandemic. On 5/23/2020 I wake up to late fees and a past due account. Included was a statement telling me my credit limit has been decreased. My other companies have waived late fees during the pandemic without requests from consumers. After contacting citicard and talking to three different representatives through chat because they are too busy to talk to anyone, I was told they would reverse the late fee but my credit limit would not be restored. The company admitted they saw I requested help back on 4/29/2020 but said, "Sorry we cannot back date this request." I was told my account was reviewed randomly. However, this has never happen before this incident. This is how they treat people who have never been late or behind on payments. I would not open a new account with this company. There are better companies.

Purchased theater tickets in October 2019. Show canceled day before (March 2020) due to COVID. Received an email from merchant stating refund in 2-4 weeks. Called merchant after 4 weeks and no money, had no information and so I disputed with Citi. Provided all information, merchant disputed with their new terms and conditions (adopted in April 2020). I replied with email showing offer of refund, email where merchant states they're changing terms & conditions after the fact and original terms and conditions. I do this while on the phone with Citi (on May 12th), who says it sounds solid and like my dispute should be upheld.

I got a balance transfer by phone. I have hearing issues. I talked to a lady that I could not understand. It sure did costs me 157 transfer fee. I have called them twice to have them take the charge off. They don't care about how I couldn't hear the girl talk 'cause if she told that me that amount I would not have done that but I will tell you this - they will not get all their money.

Citi credit cards are scams. I have really good credit and got a really good card through them that had no late fees ever or missed payment fees. I have not missed or ever have been late though. The reason I am writing is because for one they are impossible to get to talk with someone you can understand on their customer service line. I have made multiple attempts to resolve some charges that were on my account that were not approved by me to spend. PlayStation network stole the card information from the one time I put it on my son's gaming system to purchase a game. I put it on and immediately deleted after purchasing the game. For over a year I was being charged for games repeatedly by PlayStation network out of California. I am ignorant for never checking it and just paying what I paid monthly.

Citibank cancelled my automatic online payments. Since I had estatements, I was unaware that they did this. I set up my payments and never missed a payment. Out of the blue, I received a call from collections and was notified that my account was past due for 3 months. I made my payments, and they acknowledged that they had cancelled my automatic payments and they did not give me any explanation as to why. I asked if they would waive late fees totally hundreds, and they refused. In addition, they reported this to credit reporting agencies, which ruined my otherwise perfect credit. They told me there was nothing they could do. I spoke with 3 different people - none of them would do anything.

Ordered a replacement card and made a few charges. Attempted to make payment several times through the mobile app which I have been doing for years. The whole time it showed zero balance due and available credit zero. I called and chatted several times to clear this issue up and they stated you have to link the new card to your account. Funny I never had to do that before when they upgraded my card to rewards. The charges didn’t go through for quite sometime and when they finally did clear they hit me with an interest charge and two late fees.

I filed a dispute regarding a merchant who wrongfully charged me for a service that was not provided. I was shocked when Citicard- Costco card sided with the merchant without even allowing me to respond to the false representations. I contacted Citicard to further dispute the charge and was told the department is not operational because of the Covid crisis. Seriously? I went to cancel the card however I was told I would lose my Costco rewards which are substantial. I will not be using this card further. I have read others have had the same Complaint. It is clear that they routinely side with the merchant. Will be canceling this card as soon as I redeem my rewards. This would never have happened with American Express. Very disappointed with this Company!

I have been a cardholder for 20years!!!! Yes 20!!! All of a sudden without any notifications my account is closed!!! I am set up for automatic payment and had a balance of $3,000 on my card with a credit limit of $32,000!!!! I call them and they say “oh your Costco membership isn’t up to date!!”.... so I said interesting because it was paid and not due again until October!!!! They denied reopening my account!!!! I had to then open a new account!!!! And now have a $6,000 credit limit!!!! So let’s see you close my account with no warning, I’m set up for auto payment, I then have to reapply, and now my credit limit is $26,000 less than before!!!! Shady is all I have to say!!!! Will be filing a report!!!!

I have had this CC in good standing, with no late payments since 2013. Worked my line up from 5000 to 11,000. Moved and used card from 4000 to 10,000. Paid 3,000 today (2 months from time I ran up) and they reduced my line to 7,000! Which put my limit back to max. And when I calmly called in to speak to someone the woman who answered the phone and was supposed to be to help, WAS EXTREMELY CONDESCENDING AND RUDE! They say they dont use credit bureau and can't discuss that with me, WHY IT'S MY CREDIT, yet she basically kept telling me to shut up and I hung up. I will be paying this card off and not using this CITIBANK / CREDIT Ever again! SO DISGUSTING! I've NEVER been late, not even one day! This is how they take care of their customers. DISGUSTING.

For last 15 years I am making timely online payments, which worked fine til Feb.2020. Earned FICO score 850 with careful use of credit card & timely payments. Like every other months of last 15 years, paid online $400.00 on 3/12/20 to be paid on 3/24/20 (due date/value date), got an usual computer generated payment acknowledgement confirmation # **. This time, for the 1st. time in 15 years of online payments, Citibank failed to take out $400.00 from my Capital One bank for whatever reason (could be Corona virus pandemic). How the confirmation 3 generated & where it's recorded?

I purchased a very expensive travel package $7500 using CITI credit card in November 2019. On February 2020, I found out the travel agency closed its doors and I contacted CITI and filed a dispute. I was confident that I will win the dispute because I haven’t received the services I paid for. In addition, with the Pandemic all travels overseas have been canceled. Unfortunately, this morning I logged in to my CITI account to find out that the dispute was resolved to merchant’s favor. It took me over an hour to get hold of someone from the dispute center, who was unprepared and simply told me the dispute is resolved to the merchant’s and there is nothing we can do for you. I just can’t get it and would like someone to please help me understand if I missing something. I paid $7500 for a service that I never received and I am simply asking for my money back. I would avoid this card at all cost.

I just had a terrible experience with Citi. I've had a Citi ThankYou card for close to a decade. I don't use it much anymore because I use another Citi card. They closed my account with no notice - no letter, no email, no message in their online notice center. I found out because I logged into the app and it said my account was closed. I assumed it was due to inactivity and tried to call to rectify the situation.

I spoke to Freddy on 04/02/2020 because I wanted to resolve an issue with a credit card being reported under my Credit Karma report, he was very rude and said they don't work with credit karma, I explained that the point is that I have a Citibank card being reported that i don't and he said again they don't work with credit karma and they cannot help, I asked to talk to a supervisor because he did not want to give me the information and he said there is no supervisor and hang up the call.

Due to Covid-19, it was impossible to contact them either by phone (I usually gave up after waiting, on hold for 30+ minutes) or by the chat app they suggested.

Called on 3/28 after mandatory Pa shut down due to COVID-19 of non essential business which caused me to be out of work. Cust rep said they are handling Accts month to month basis and doesn't have to make April 7th payment. No late fee, no report late. Today get a call payment us past due. Told them I called on 3/28. They said at that time they weren't deferring payments even though I have several articles dated 3/9 they were helping those affected and even sent out an email. They just lied and now reporting a late payment after 10 years of having their card with no missed payments. Stick with cards like discover that do not lie to their customers. Disgusting that they are doing this despite them telling customers they will work with them!

I had the same experience as all of you. My hours have been cut at work due to Covid and asked if they could waive interest charge. Always pay in full. Never late and they would not waive my first ever Interest charge. I wrote a complaint to the Federal Reserve they forwarded to **. Report your complaint to **.

I have 9 CC and I have a zero balance on all but one major credit card. They gave me $1800 and ran my credit 3 times. This was going to be the card I moved my bal to for 0 % and this doesn’t work. I needed to move my $3,400 to the new card for 0% for 21 mos. When I talked to them they are unable to help or give me any info I requested. I will stick with Cap One. Best service ever. I asked them for an increase and they said they needed to run my credit. When I reminded them that they already did twice they said they had to do it again in order to see the info. Ridiculous!!! Cap one doesn’t do that. I have excellent credit and the card should have been a min $10K to begin with. My debit in income is 12%.

By the end of March when the scenario about the Coronavirus/Covid 19 was getting worst in the US, I decided to call Citibank to ask for some kind of payment arrangement for my Citi Simplicity credit card. I was already late and my question for them was how much time was I having before they will report my late payment to the bureaus, they didn't want to answer, I called a couple of more times thinking that maybe the previous rep didn't have the answer, at the end they all refused to answer. In the past they had responded to that question, this time instead they transferred my call to some other dept who supposedly was going to help me. I spoke with this other Dept, the most unempathetic person answered right from the first min that my account will be closed if I make a payment arrangement, this person didn't even bother to see my payment history or anything, she literally pushed me against the wall giving me no choices.

Tried forcing me into autopay. I refused, so they added a surcharge. Finally the only way to get out of their contract was to pay off the balance + a 150 dollar closing fee. It was money well spent. I am rid of them now.

It took me 2 one hour phone calls and talking to 2 representatives to find out that Citi is not doing anything to alleviate the pressure of Coronavirus on families. It is really a shame because we do a lot of business with them each year and their response to this unfortunate circumstance has been so weak as they offer no protection for their customers.

I had a suspicious charge on my card, and as or now, I have been trying to contact Citibank about it for two solid days. I tried the phone number on my card, I tried a different Citi card, I tried several numbers for Citi from Google. I tried emailing them. I tried downloading their app and contacting them that way. Two two days I've gotten nothing but hold music and robots hanging up on me after being on hold for hours. "24-Hour Customer Service" is written on the card next to their number. Well that's 100% a lie and a false advertisement. If you value your security and your ability to control your finances, close all your Citi accounts immediately, and if you don't have one don't open one. I don't know what kind of charlatan company this is but they are definitely not trustworthy.

I have 3 regular credit cards plus store and gas cards serviced by Citibank. I used to think Citi was a excellent card company and recommended them a lot. That was until 2 months ago when out of nowhere they lowered all my credit lines on my regular cards to the point where my usage went from around 30%-50% to 10% tanking my credit score. (Never a late payment and always paid more than minimum). No warning or nothing. This at the same time I was in the market for a new car. This makes one wonder how to make payments.

Citibank customer service is a joke! For the past week, there is no "live" person to speak to on the phone, just automated. Had questions about new card received in the mail. They are touting their response to the pandemic. NOT!

The executive of bank told me that I will receive credit card. While opening salary account they told me I will get card after my first salary gets credited but I haven't received the card. Later on bank officials told that cibil score is required. Now they fooled me and I'm stuck in current scenario.

Just got an email from Citi today noting they are reducing my credit limit on a credit card I carry, which they did. They actually reduced all three of my credit cards. I had a 4500.00 reduced to 640.00, 3000.00 reduced to 300.00. This came out of the blue and without justification. I have never been late on any of these accounts in the 3 yrs I have had them. I found out when I attempted to use the card to get groceries delivered due to COVID19. I have been on hold for over 2.5 hours, and on the mobile app messenger for about 2 hours.

I have been trying to dispute a fraudulent charge - but can never reach someone to talk to. I tried three different times and stayed on hold for over a hour each time and still never talked to anyone! I am going to cancel all three of my Citi BankCards when I finally reach someone!

I have never had a credit card company perform in the manner Citi has. For whatever reason Citi wants to keep my Hard Earned Money. For the past 4 months, Citi has not been releasing my money that I credit to my account. I’v had Citi credit card for now, 1 year and 3 months. Every time I made an payment, my payment is reflected right away. Meaning my available credit is updated. But for no reason at all Citi wants to Hold my payments now for 7 to 10 Business Days. For example, just recently, I made a payment on 03/20/2020 for $300. My bank paid the transaction on 03/23/2020. To this day 03/29/2020 Citi has not released my money. They are saying it for Safety and Security Reasons. My Hard Earned Money will not be released to me until 04/01/2020. Even though my bank paid the transaction on 03/23/2020. This credit card company is Unethical and Incompetent.

I was paying my card on time for 2 years and when coronavirus starts, I have some difficulty to pay my bill. I call customer service to postpone my payment however they refuse. It only took me 2 days late to pay the minimum payment and they report me to credit bureau. Right now, I have a late payment on my credit score. My credit score get affected. I don't recommend the credit card company at all. Customer be aware from CITICARD CREDIT CARD!!

I have a Citi Thank You Master Card. For years. My husband and I have lost our jobs due to Covid 19. We have had all our other credit companies work with us including Ford which deferred three months of car payment. I have called Citi 4 times in the last week. Been on hold for no less than 2 hours every time then, got hung up on one. Called back. Was told they don't have any payment plans and it would affect my credit and I would be charged a late fee. This is unheard of but they got a bailout by the government but won't help their customers. Shame. On them.

Called today to see if there was any assistance for people that had been affected by the Covid-19. The women that answer the phone made us feel so uncomfortable. My whole family has been affected since we are a small business that needed to be closed due to the pandemic. We wanted to see if they were able to defer our payments for this month. That was already hard for us to ask, because we have never been in this situation. Instead she told us the only program they have is to closed our account, and reduce our payments.

I am very disgusted with how this bank is handling their long-time customers with good accounts and standings during a time of crisis. They would not help me AT ALL during this coronavirus pandemic and unlike every other bank that has deferred payments or even lowered it, this bank did NOTHING for me to help me with my situation. I've heard other people who are unemployed or not making enough money is going through the same crisis. How can they not have a plan to help their customers at this time? They can make up all kinds of excuses but other banks I've worked with are organized and have helped many people during this time. This is the most corrupt bank organization I have ever dealt with and plan to move my balances somewhere else once this pandemic passes us.

I’m a single mom, lost my job at least for a month due to the pandemic. Notified them that I’m jobless living paycheck to paycheck and need the little money I have left to pay necessities for my son for the month. They informed me there’s nothing they could do. I’ve always made payments on time, never asked for extensions. Great to know this huge company couldn’t even help a struggling mom during a pandemic by delaying the payment just ONE MONTH. I’m disgusted.

I had a Citi Mastercard for over 10 years, never late once. Looking through my email I found a notice saying they will not be renewing my card at the end of the month. Right in the midst of the pandemic Covid-19! Despicable! My wish is they go bankrupt due to Covid-19! DO NOT EVER CONSIDER CITICARD! YOU HAVE BEEN WARNED!!!

2 Citi Cards since 2009, never a day late or dollar short on payments, and my credit score high 700s. Today I get call from fraud prevention (I’ve had several in the last 3 years) advising of possible fraud charge to my account ending ****. I call them and advise I have no account ending ****, my card ends in yyyy. I was then advised they “issued” a new card ending ****, but it HAD NOT BEEN MAILED TO ME YET. How was a fraudulent charge made on a card that Citi had not even mailed out yet? And why do they think I made the charge if the new card had not yet been mailed, and I knew nothing about it? Now my old card is canceled too. In the past they locked my card when I tried to use it at a 5 star hotel overseas, forcing me to call them long distance at a cost of over $47 because it is so difficult to get in touch with them. Not once was the problem created by me - always by their own procedures. As big as Citi is, they are the most incompetent.

Very sad! I had this card for a month and a half. Tried to use the card at Costco and it was declined. I proceeded to check the account once I got home and to my surprise the payment didn't go through (which I have proof of the attempt). I call Citicard and speak to a customer service representative and we figure out that the routing number was wrong and that's why my payment didn't go through. We proceeded to correct the issue and I paid off the 2,400 dollar bill. At this point I thought everything was good. We hang up the phone and I use the card a couple days later. Card works no problem! Fast forward to today, I go to costco to use my card and try to buy some rations for the corona virus and my card is denied. The lady I made the payment with previously said nothing about them shutting down my card. The fact that it still worked, after the payment, was an issue and itself, but there was no warning.

Do not do business with Citi credit card company!!! I had 2 cards with them. The one card they shut off because my credit was bad. The the other one I am paying off this month!!! I gave them a payment and they took it out of the wrong account. Bounced my account and gave me 100 dollars in overdraft fees!!! If you have this card cut it up and pay off the balance and tell them to go screw themselves!!! I will NEVER EVER do business with them EVER again!!! The worst credit card company out there!!! They have very incompetent employees!!!!

I became a Citicard member sometime between Oct-Nov 2019. I used the card for the first time Dec 24, 2019. My payments are due the 17th of every month. I attempted to make my first payment Dec 31, 2019. Unknown to me I had entered my bank's routing number twice and they processed it on their website. First how? If you enter the same number for routing and account wouldn't the system not accept the payment? So I'm thinking I've made the payment and then I get an email saying that the payment hadn't processed. So this was an honest mistake, no return payment fee was given because a payment was never processed.

Simplicity bad card. I applied for this card that says there is no late fee but they never said that if you're late they are going to report to the bureau of credit department and I forgot one payment, now my credit is bad.

Membership charges from Gold's Gym continued on my CITI card after I cancelled the gym membership. Contacted CITI customer service and they agreed that charges were fraudulent and they issued a new credit card to me. Charges continued on the new card. Called several times to check on dispute and finally got a dispute ID number. Now after 3 months from when I notified CITI, I get a letter from them saying I'm responsible for the charges because I gave the gym my account number. I've been a CITI customer since 2005. BEWARE - giving your CITI account number out is like handing the merchant a checkbook full of signed blank checks. Extremely displeased with CITI!

I found an unauthorized charge on Citi credit card and called to alert and contest. I was assured credit applied and issue would be resolved and received no further communication. Months later I see credit applied and then reversed, charge is back on card and this not communicated to me. I contact Citi again and am assured charge would be removed, they now cancel card and issue new one but fraudulent charge not removed from account balance.

Had a card for couple Of years. Trying to build my card up. Now they want to lower my limit for no reason! Never been late on a payment. Will never use this again and I suggest nobody apply here! Angry customer!!

I have been a CitiCard member for some time. As a Citi member, with two cards. A perfect if not excellent payment rating and history. I have NEVER missed any payment. Both accounts are currently PIF! And you folks DENY me credit for a Citi Rewards MC? What the hell! Maybe All my cards should be sent back to you!

This is a great credit card that I would recommend to everyone! 2% cash back for all categories is great. Whenever I don't have 5% categories with my other cash back cards, I use this one. The customer service is always good at Citi too!

Once a transaction is disputed and reversed, you are out of protection. The dispute department will send you a letter before the reversal of the dispute, if you don't response by deadline, then you are no longer protected. In my case, the seller notify me, before the Dispute department's deadline, that they have refunded my account successfully. So I accepted the CitiCard dispute reversal and didn't response. However, the refund transaction never came through, so I called CitiCard, and they said there is nothing they can do because I accepted the reversal. This is still a FRAUD situation, but the customer service supervisor "Jeff" of the "KTY" team won't do anything. So be very careful with the CitiCard dispute process. I had paid my lesson, and hope whoever see this review can avoid it in the future.

I have called and called and called and am getting nowhere. I am so disappointed and I have been looking for any and all ways to leave reviews so that other people don't get themselves into this situation. I have reached out to the Better Business Bureau to hopefully get some help. Not sure what else to do but I definitely would warn people against this!!!!

I made a 500 dollar payment on my card in order to help my credit score and then Citicard reduced my credit limit by 500 dollars. This card is a fraud and the don't help you with anything. All they care about is their money, their fees and what they want. They don't want you to pay off your card or do anything that changes your payments of fees. Horrible, horrible company!!!!

Worst credit card company ever. After paying the balance in full of $2000 in December of 2017, they closed my credit card account without notifying me and when I wanted to use my credit card during an emergency and boom my credit card was declined. I then called up the Citibank customer service. I called customer service several times last year 2019 several time to activate my account when I was in a dire need. Also shut down my online access to the citibank account. I was unable to see any activity on my account. Till to date I do not have access to my online account. That was a total HARASSEMENT.

The Citibank credit card is ridiculous. Their standards to get a card are VERY hard. We have a credit score of 760 and still can’t get one and they only use use one credit bureau so that’s what you're based off of. I wish Costco offered different options for a visa credit card or different company Citibank sucks.

When I ordered this credit card they promised that the chip inside the card will protect me. They also said that I am not responsible for fraudulent charges. On January 17, 2020 I came from work to see a phone message and an email saying that my card was used in unusual manner. I only use it for food and MTA in the same location. This time my card was used in some fancy shoes shop in the neighborhood that I never visit and some crazy amount was spent. I immediately called the number provided and told them to stop this payment. They told me that it was too late to stop it.

I sent my payoff to five Citicards. They post three of them already, the card with highest monthly payment. How if I sent all checks together on January 7th 2020, they were able to post three of them and still not post the higher payment and the higher interest account. Very suspicious. :(:(:(:(

Worst bank ever! I regretted so bad to have applied for the credit card! They reduce my credit line limit hurting my credit for no reason! Contacted the customer service. It was even worse experience!

I have been a Citibank customer for 10 years. It was my very first account out of school, and I am so disappointed at the lack of responsibility and respect this company has for their customers! There were $16,700.00 fraud charges made on my credit card that was only used for recurring payments online and never in person. Citibank sent a replacement card without my knowledge or email to warn me.

They have outdated verification models - I was once required to receive a letter in the mail in order to use my card because I had to call in twice on the same day to use my card. Inept staff - you better hope your account isn't flagged for suspicious activity. The issue follows me around for 2 weeks every time this happens because they somehow cannot figure out how to tell the system I verified transactions. Often verifying transactions leads to a text message seconds later saying my card is locked until I verify transactions, and indeed that is the case.

CitiCard and CitiBank is a scam. I signed up for their credit card and they withed the card from me for almost 2 months. They mistakenly sent it to the wrong place several times. By the time I spent the minimum purchase to get the American Airlines points (a few days past the date) it was past the promotion period. This was all due to their neglect on where they sent the card. I called to reason with them and they can care less to keep my business. I would not recommend this company!

I am holding Citibank credit card and I purchased few items behalf my girl friend and she has done credit card payment through online her USBANK. The amount got credited into my account successfully. After 20 days citibank reverse that amount to sender's bank again. I don't know why they have been done this mistake without inform to the customer. The payment status I have got updated on systems after 20 days. I was surprised and complaint to citibank but no one doing proper investigation to help their customers and they simply said the amount got reversed and ask your girl friend to do again payment. Now she said this issue with your citibank not from her end. Finally I was lost $5000 because of the ** citibank no customer security accounts and they don't care about their customer information and security. Do not trust citibank.

I am on paperless statements. I do not pay my bills late. A purchase I made for Christmas happened to hit where it was due 1/1/20. I did not receive the statement this time and did not know it was due. Upon research - I believe it went into junk - or perhaps I missed it. Regardless - they refused to waive the late fee. They did give a statement credit - but it wasn't for the full amount, and frankly the issue is the principle of the matter.

I have an autopay set up for my credit card as a safety net to make sure I never forget to make a payment. I updated my auto pay with a new payment account and the system saved the information but apparently failed to take a payment. They call me a month later to let me know that I was 30 days late! I tried to dispute it but talking to a Citibank rep is like talking to a wall! They basically called me a liar! They confirmed that I put a new payment account on my autopay but said that I cancelled the autopay which is completely false! Never in my life have I missed a payment on any card with them or any other bank! I'm also disputing this issue with the credit bureau as it really affected my credit score and also solicited the help of the CEO of Citibank who has not answered me yet.

On December 12, 2019 Citi called regarding a MasterCard issued in my name October 2017. Credit line allowed to max to over $9,000. Citi claims the account was established without my permission. Citi omits that from November 2017 until August 2019 the card had a zero balance. Citi claims I activated the card which I do not remember. The card is still in my possession with the activation sticker on the back.

I enrolled in a doctoral program, little did I know that Citibank would start to lower my available credit EVERY MONTH to be just over my balance even though I had made all payments on time!They also continued to increase my interest rates. As I have three cards with them, their actions continued to impact my credit score by reducing the available credit to balance ratio which then affected my other cards. I hate this bank, plan to close all three cards, and will NEVER use this bank again. I have no trust for Citibank, my advice to you is go with a credit union and stop getting manipulated by banks like this. None of my credit unions lowered my available credit or increased my interest when I returned to school. I HATE this bank.

Citibank is good. Double cash card that I had is wonderful card. However, when it comes to fraud department, it's a hell. Somebody requested replacement card of my double cash card and received it without me know it. Somebody used the card at Home Depot for $913 with chip inserted. Only because they paid with chip inserted, investigator from Citibank closed my investigation and now I have to pay it. I've made call to the department I've emailed the investigator, but no one responding. Since it has been few weeks, I've gave them a call again today and they did not even looked at my email. Terrible services. Terrible policies. If you want to get Citibank credit card, make sure you don't get fraud transactions. Once you get it, no one is willing to help you.

Today 12/3019 I received a call from a CSR telling me that have a past due amount with some of late charges. Well I moved to a new address in October and I think I did by mistake to select the option PAPERLESS, for my understand I never did it. Some the system is a little tricky when pop-ups coming out constantly. Based in my last statement I paid the whole amount to zero balance. Based in this state of my account I never worried for any email since I received a lot of them daily. In a while they send my statements by email and I was not aware of them thinking my account was in zero balance. There were sent the statements for November and December with amount due plus late charges and I ignored all of this was happening.

Was sent an offer to transfer balances at an introductory rate which made financial sense to take advantage of. Once I made the transfers, my credit reached close to its max. After a few on time payments, noticed that as I paid the card down, they kept reducing my credit limit. This would hurt my score every time. When I spoke to the rep, they said the credit bureaus told them to lower my limit, which is the most ridiculous thing I have ever heard, as I work in the financial industry and often find myself suggesting to clients what credit card is best for them to open. After making a $2000 payment to my card, they decided to reduce my limit by that exact amount, once again hurting my credit rating. Stay away, there is better cards that rewards you for your on time payments versus hurt you as you pay your card balances by reducing your credit limit.

I got a Citi secured credit card. Im trying to rebuild my credit. I’ve never reviewed my statements (which I should have done). I had an issue come up and I needed to talk to customer service. So I did the texted version on the app, No help. I finally asked for a number and called. I got in touch with someone who obviously did not understand so I finally asked to speak to someone who spoke English. Finally I talked to someone who understand. I explained (again) why I was calling and the lady was helpful. She ended up giving me bad information. So I started the whole process over the next morning again. When I was finally able to talk to someone who spoke English, I was told something totally different and realized for the last couple of months I’ve been being charged a late fee for being 1 or 2 days late which was my fault because my other cards give a grace period.

Terrible service and resolution for disputes. Last year Dec 2018 I had 2 fraudulent charges totaling over $1500 to / via PayPal and 4 Netflix charges (which recurred each month for over 6 months!). I started working with their security department in March to resolve these....it took months for them to resolve the Netflix charges and to get them to stop. Until today I was working with them on the other two large charges....calls every couple weeks or so. Kept being told that they had to dearchive them as it was on an old card number. Same story each time.

I recently paid off my Citibank card in full. Before the statement date, I made another substantial purchase and paid the majority of it off before the statement date. It dropped my card usage to 20% of the limit which I knew would be healthy for my credit score. The statement came and there were no changes to my credit limit. The day after my statement was sent I logged onto my account because I was going to make an extra payment in preparation for another large purchase I'm planning on making and I noticed they dropped my credit limit by over 70%. The credit line decrease doesn't bother me because I have other options.

Terrible (non-existent) customer service. If you can get past all, their robots, you’ll get an overseas call center with terrible English understanding. If you’re desperate enough to accept a card offer from these scrubs, here’s what you can expect:

Citi Bank Credit Card has delayed posting payments to my account two times now. The 1st time they said they would have to get my bank on the phone and would bring them on the phone so I could tell them it's OK to verify that the payment cleared. The second time it happened they told me would have to do the same thing, only this time my bank said they don't verify cleared items to third parties. That was 12/02/2019 and Citi Bank finally release the funds today 12/17/2019. On 12/02/2019 I asked why they would do such a thing. She told me they do this across all their credit cards if the payment is sent using a different device such as my cell phone instead of my laptop. I am angry and am cancelling the card.

From opening the card it was clear customer service was going to be horrible. I just hoped I'd never have to deal with it again after "proving" my identity to start using the card by, get this, them texting me a code (which didn't work) or, and I promise I kid you not, mailing me a letter with a code to my new address which I just changed before being able to use the card for the first time. Imagine that as a security measure. Anyone that could steal my identity could have changed the address to theirs and Citi would let them prove they were me by mailing them a code. Not providing secret info. Not proving anything. Opening a letter. Anyway, the issue happened with Uhaul truck rental. I was given a defective rental vehicle. Told Uhaul about it, and Uhaul decided to not fix the issue and still charge me the full price for the rental.

Fortunately my credit monitoring service informed me when Citi Reported a Negative for consumer does not follow card agreement - why? Because they made a mistake on a chargeback and refunded their client Sears who owes Citi a lot of money in loans. Sears is struggling. Instead of getting proper documentation they favored sears without properly informing me what was going on. So when I sent them the indisputable documentation sears had picked up and accepted the return for which sears failed to refund - they then changed the dispute back to correct scenario. I can only assume a vindictive employee who should be fired was upset and then put a derogatory mark on my credit lowering my score. I contacted them to remove this.

My family and I had gone through a hardship within the last year and are now trying to get back on our feet. I had recently made a some payments in order to try to restore my credit and bring down my credit card utilization that had accumulated during the hardship. Just days after I made a larger payment, I get a notice that they have Citibank had lowered my credit limit based on my credit report. Mind you, I just checked the report that day and I have 100% on time payments and my score has just gone up. I have never missed a Citi card payment and have given them no cause to lower my credit limit.

I had a dispute with a health club where my employer would pay part of the cost. Due to the club's computer system they didn't record my visits so they put the amount my employer would pay on my Citi Card. I submitted the info to Citi but they say I have to resolve it with the club. VERY DISAPPOINTED WITH CITI.

I have a Citi double cash Card with a 100% fraud protection. I put into dispute in September. It is almost December. For fraudulent charges from a rental car company that attempted to charge my card several times they approved 3 charges going above my credit limit that were not authorized and have said to me many times they would credit it back to my account and assured me that I had a 100% fraud protection and they have done nothing but send me emails that say they're looking into the dispute. I can't use my card because it's over the credit limit and my credit score has now dropped 60 points! How long is this gonna take. I'm completely disgusted with how they've handled this and not done anything. I've always made my payments on time. Never late. Never missed a payment.

I wanted to write in detail what the "circus" CitiCard Advantage is making out of a simple replacement card. I see after reading submitted complaints that this company is just too unorganized to do a professional job. Ten days (10) ago after a compromise on my card, a replacement was requested. I am still waiting for that promise of card being sent out by FedEx by (3) Three different agents. What liars are employed by this company. Wonder if you can trust your money the Citi Banks as well??? I will be dropping and NEVER recommend this card to anyone.

I applied for a new card. Waited the 7-10 business days and it did not arrive. To keep this short, in summary, I called over 10 times inquiring as to where my card was, as I wanted to make a large purchase to get the miles they were offering. I was told numerous different things depending on who I spoke with. Since I never received the card, I was unable to know the entire digits, therefore I couldn't use it nor would anyone I spoke with re-issue me a new card. One person told me the card was returned to Citi, the next person he transferred me to said I needed to keep waiting for it to arrive, then the last person said it was delivered to my house (to which I stated I am at my house and there is no card). I kept getting blind transferred, starting over with my story, and it was apparent that the people I spoke with were at a call center and were reading off of a script. I was then told I would receive Fedex tracking within 24 hours, and I did not get that.