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.
I like this bank because they offer low rates, and the interest free period of 18 months on my credit card was much longer than what other banks offered.
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.
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