There were times I forgot to pay my cc dues on the day itself and I pay the next day. I ask their customer service if they could waive it but they don't want to adjust. It's only a day late. It's fine with me by then. Now, because I wont be able to pay dues on the due date at July 2. I am just asking for July 3 but they won't allow. How are they very strict! They are very strict and does not also allow waving of fees, any fees at all even though you don't default and is a good payer. I may have been late about 3 times only for the past 4 years and its one day late every time but they charge me for all of that. They are very strict, no leniency and charge very high fees! That is why even they always call me to avail their financial services I decline as their fees are to the extreme! I am cancelling my card for good. It only cost me so much having this card, even their annual fees so expensive. They are not pro-consumer but pro-self. Anyways its a bank, it will get your money as they can, its not a service to the customer but to their self. A selfish institution.
I hate to give bad reviews but this is necessary. 6 mos ago I was a victim of identity theft. Issue is resolved and my credit report updated, including adding documents to prove this was not my doing. A month after its all resolved, also during a pandemic, Citibank contacts me to say my credit score decreased so they're lowering my limit to what I owed at the time. I was upset but I figured it was probably a timing thing so I didn't complain. Since then my score increased higher than it was before the identity theft and today I get an email saying they again lowered my credit limit to what my current balance is. I honestly don't have any bad marks on my credit to cause them to do this and after being with them for 10 years I expected different. The idea is to pay off the card but leave it open so your debt ratio remains good but they keep decreasing my limit so I'm getting "socked" twice on my score, once for the lower debt ratio and again for the fact that the company lowered my limit. I've had a chase card for less time and this never happened so I recommend checking out Chase before Citibank.
It is one of the best ever banks with properly streamlined processes for customers. I have used its credit card for nearly 3 years now. Collection and recovery is very smooth and regulated. Entire staff of every department with whom I speak are very polite and emphatic. Superlative service and remarkable experience overall.
I have used Citibank credit card for 10 years. They have offers from time to time, which often look interesting. But beware, Citi is always very devious and cunning. On the last offer I wanted to make sure not to get any more hidden fees. I spoke to 2 customer service officers who both assured me of all the fees I would pay, and no more than that. Still, I got charged unexpected fees, again. Their customer service? Non existent. Multiple phone calls never got through. Online enquiries never replied. A word of advice: AVOID.
I've recently applied for a balance transfer onto a new credit card to quickly get rid of some debt. After a few false starts- with my address, I found out ages later that they had access my credit file 3x just for one credit check because my name was incorrectly searched and now it's written incorrectly on my file which I need to fix. After paying the whole amount of debt off, I closed my card and was told to pay the outstanding balance which was the annual fee for the following year. I was told that the amount would automatically be refunded once the account was closed. Not only has this not been refunded, I have had to follow up 3 times to check where this is at and it's been 4 months since my account was closed! This is terrible customer service, I've done this many times with other credit providers over the years and this has never been an issue. It should be the easiest process to undertake. I wouldn't even bother getting another product from this company or recommend to others. Look elsewhere for banks who can actually behave like a proper bank and capable of business as usual activities.
Initially signing up for the interest free period, I had to call several times to clarify the end date of the free rates. I should not have worried - one month before the rate rocketed up to 20% Citi were calling me every day pushing me to convert my (only had 2k left on it) to a personal loan. Absolute rip off of a card. The monthly fees are sky high and the annual rate also adds to the cost without any real value.
I haven’t had any good experiences with Citibank. Their customer service team are offshore and do noy listen at all when you speak with them, they are very unhelpful. They don’t even call back when they say they will and it’s nearly impossible to get any type of resolution to issues. For a 'rewards' product, rewards seem very minimal.
I got a card from them and it was biggest mistake. I have been prompt in paying my EMI. Somehow my credit card was still cancelled and it badly impacted my credit score. When you ask for an explanation, they don't give you any. It sucks, worst service. They write you off even if you are regular with your payments.
We have a Citibank platinum credit card and it is seriously a bad product. The interest rate is terrible. The overdue penalties are horrible. I regret ever getting this card and I am trying to pay it off as soon as I can so I can chop it up and never use it again!
I've had the Citi Signature (now Citi Premier) for about 6 years. Their service just keeps getting worse. They used to have a dedicated premier line, now just an overseas call centre. Wanted to increase my credit limit to make a big purchase (I pay off full balance monthly), and the shop didn't take Amex, takes 5-10 days to increase credit limit.
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