They won’t let me combine my credit card with the loan I already have with them.
As previously stated fine until there is a problem. I mistakenly did a transaction that was treated as a cash advance. I paid it out immediately, paying the fee and interest. My automatic payment of the card still came out the next day and I’ve been fighting to get my $3,000 back. They would not refund it, I had to do a cash transfer, and now they are taking two statements to credit me the fees. Not good enough. No understanding or empathy. And no actual real assistance.
Some degree of difficulty with the language and bad phone service connections.
While the initial sign up offer (interest free period) was good, the annual fee ($149) is not. It was just added to my account in the middle of the pandemic with no warning or notice. They call persistently trying to sell me loans I do not want or need (several times a day until I answered, and even then called back) I'll be balance transferring my account balance next month and will not be going back to Citi.
Bad customer service cant get through, leave email messages and no reply. Worst credit card company I've dealt with. They have no staff. Its been 3 months no reply still.
Just another Credit Card until you encounter a problem such as an unauthorised transaction. Fruitless phone calls, unanswered emails and letters. After more than 1 year the matter remains unresolved. Call centre staff are empathic but lack the power to provide meaningful assistance.
Overall my experience with Citi has been great. I was worried as it was my first credit card however they made it very straight forward with no fuss. I also missed my payment one month and as a good will gesture they credited me. I’ve found the customer service to be quite helpful. I highly recommend Citi.
The reward points scheme is very good, one of the more generous ones on the market. However the online banking interface has some glitches and bugs, and the mobile app isn't very good either.
Too expensive, not enough benefits and frequent flyer points.
Convenient to use.
They don’t listen and are terrible with communicating.
Citi credit card suits the new decade of a busy lifestyle whilst also enjoying the good things and people in your life.
The card itself is good but the dining program is extremely limited and the app isn't great.
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