Very good creditor to have
Written: Dec 06 '03
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Pros: Customer service, rewards, credit line increases and balance transfers
Cons: Cannot balance transfer through the website as needed.
The Bottom Line: Excellent creditor. Very easy to work with.
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| jcharet's Full Review: Dividend Card for Students (Citibank) |
I have been a Citibank card holder since 1994. I have had over 15 credit cards (store, sub prime-which a balance was bought out against my wishes and prime) and I am very pleased with the service I have received.
Citibank is very generous with their balance transfers. They are not afraid to give you a 3.9% or 5.9% interest rate for the life of the loan with no balance transfer fee. I find the easiest way to get these is just to call in although I am not sure why Citibank now demands that you have the card present everytime you call in for one.
I have also found that Citibank is very generous with the credit line increases. I have always received one if I requested it or not. I rarely every received a increase under $800.
Their website is excellent and very hands-on. You can do everything there from making a payment to requesting a balance transfer. The only con to the website is that they donot always allow a balance transfer online which is a bit annoying.
The rewards are great. They donot stipulate how much you have to spend before receiving the benefits like other creditors. Their website is very easy to redeem your points. Their rewards customer service hotline resolved a problem I had once very quickly and resolved the matter within days.
The customer service hotline is good. They are very friendly and I have never had to transfer to a supervisor to get anything done.
Recommended:
Yes
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Epinions.com ID:
jcharet
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Reviews written: 9
Trusted by: 0 members
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