Citi Credit Cards Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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 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.

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.

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.

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.

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.

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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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!

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!

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.

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 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.

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.

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.

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.

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.

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.

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.

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%.

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.

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.