They offer great support always, security is impeccable, always offering opportunity to secure to ensure you can repay accordingly easy.
Have found the customer support staff to be helpful and understanding in times where payment is going to be late. They have offered assistance. Be aware of low rate balance transfers reverting to higher than usual rate after transfer term has ended, pretty sure this applies to most banks though.
Citibank continue to offer good promotions to both new and existing customers, so they are not just concerned about building their wallet but also ensuring they retain the existing customer base.
Citi has fantastic products. I got the fee free Mastercard debit card and used it when I went overseas. There was no International transaction fees and I could get free cash withdrawals from selected overseas ATM's. The downside is limited branches and staff. If you need help even if you are in the bank, sometimes you need to still call the call centre to assist you with particular enquiries.
Citi offered so many things to switch to them quite a few years ago, then a couple of years later took them away. They have only 2 branches in the city that I'm aware of, and at both, it is incredibly difficult to get assistance. They are understaffed, and staff on hand don't have the authority to fix many problems.
Citi are like most other banks, they charge too much interest on credit but they do remind you if you are late.....usually. Where they fall down is when you want to leave. I finally paid mine off & left a credit in the account & requested it to be closed, this didn't occur so the account was hit with an annual fee which I didn't realise for months as I never looked at the account, I received no calls to say anything was wrong until much later when there were also late payment fees. The account was now hundreds overdrawn so I told them what happened, requested it all be reversed & the account closed, not to call me but email for anything. The calls started coming thick & fast & I refused to answer but no emails were received. The same thing happened with my NAB credit card but NAB immediately reversed everything, closed the account & apologised but Citi just kept calling. I kept refusing to answer & kept emailing them with the same request to stop calling, reverse everything & email me. Multiple requests later & they are still not responding apart from the phone calls so I'll be making a formal complaint to the Australian Financial Complaints Authority (AFCA).
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Mozo gives you the inside story on the best banking, energy and insurance products as rated by thousands of real customers around Australia. We don't make subjective judgments, nor do advertisers influence our ratings. Although our reviews may be moderated to improve quality standards, they are moderated independently of any of Mozo’s commercial relationships.