Poor processes to solve problems. Not good enough.
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.
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.
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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0% p.a.for 7 monthsthen 13.99% p.a.
Balance transfer rate
0% p.a.for 22 monthsand then 21.49% p.a.(1.50% balance transfer fee)
**Saving based on the average difference in fees and charges over 3 years between the most competitive product Mozo can refer a consumer to and the average credit card product input by 6,863 consumers (average balance of $4,262 or balance transfer balance of $5,818, interest rate of 19.6% and annual fee of $36.50) who used the Mozo Credit Card Health Check tool between 1 January 2012 to July 2012.
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