Citibank

Pros: Lots of services and incentives; Good customer service
Cons: No rewards on this card; High interest rate if one payment is late

Credit cards are issued by all the major banks in the United States and by the majority of smaller banks, too. This type of service is very profitable, so it’s no wonder that banks are so anxious to gain approval for the issuance of credit cards. One ...

Pros: Superb service, no surprises, no tricks
Cons: Not easy to get

Citibank came to the rescue before I even knew about what had happened. Actually, I've experienced two recent instances of impressive service from Citibank.

The first occurred when a Citibank rep called and asked if I'd just made a lot...

Pros: Simple To Get And Activate
Cons: Poor Billing System, Hard to stop fees once started

I have been a cardholder of Citibank for over ten years (under a previously married name). Although I had closed the account when I divorced, I asked to reopen it a few years later, and they had no problem with that request. I used it a few times and put...

Pros: concierge feature
Cons: rebates do not post to account, rebate checks have $50 minimum.

Recently, I received a notice in the mail that my Citibank Dividend Select Mastercard was being upgraded to the New Dividend World Mastercard. The best features on the card now are: 1. Personal concierge service – 24/7 assistance with dinner ...

Pros: gave me my first real credit card
Cons: customer service has declined, and this card costs $55/year

Please read the comments section of this review for some additional info.

These days, you can get a "platinum" VISA card or Mastercard for no annual fee. You can get credit cards that will return to you up to 2% of your transactions...

Pros: no annual fee, low interest rates
Cons: creditline increases

I have had my Citibank platinum visa for close to a year now, and I am quite pleased with the company over all. My payments are posted quickly and if I ever had a problem, I was helped in a timely manner by customer service. This card has many...

Pros: Fair APR's, no annual fees, low-rate balance transfer offers, rewards programs, friendly customer service.
Cons: Must abide by their repayment terms or they will raise rates and charge fees.

I have had an account with Citibank since 1996 and they have proven themselves as very fair-minded creditors. I would suggest that if you really don't need a credit card, then don't apply for one. However, if you do need one to build your credit or for ...

Pros: Dividends are CASH. Customer Service has been very helpful. Full-service Website.
Cons: $300 annual limit on earnings. Delays in online bill paying are frustrating.

I only use dividend Credit Cards and as of 1/1/08 still Citi Bank's Dividend MasterCard earns me that money the fastest. With 5% earnings on all Gasoline, Grocery, and Drug Store purchases -- and 1% on all other purchases -- this card adds up the ...

Pros: good limit, interest, support, no fees.
Cons: No really lo rate offers.

I received an offer for a Citibank credit card while I was in college. I believe my initial credit limit was $1000 and an interest rate of 18 or 19%. I still have (and use) this card today and have always been extremely pleased with every aspect of it....

Pros: good customer service; widely accepted
Cons: somewhat high interest rates, no low-rate balance transfers; low credit lines.

In my short life, I have already had quite a bit of exposure to credit cards and have some distinct favorites and least-favorites already. Among those that I rate as "somewhere in-between," are those issued by Citibank. I have had both a...

Pros: reliable processing of payments, good consumer advocates
Cons: web site is a pain-many error messages and quite slow!

This review is mainly in reference to Citibankcards.com, the online method of paying your Citibank credit cards. This is a free service offered to Citibank cardholders-just cruise on to the web site, and set up a web account using your credit card...

Pros: Good customer support; reputable name
Cons: Would you believe spam?

My wallet has been home to a piece of plastic bearing the Citibank name since 1991. While I don't think this constitutes any sort of record, it does give me some sense of security knowing that I have a long standing relationship with a company of this...

Pros: Widely accepted, nice online account access, cash rewards
Cons: Very poor customer service, time-consuming dispute process where the burden is placed on the customer

This review is based on my experiences with the Citibank Platinum Mastercard Cash Reward card. I initially signed up for this credit card since I needed a MC/Visa card since many places don't take American Express. I've now had the card for over 3 ...

Pros: Widely accepted
Cons: Poor customer support

Here are the current specifications on the Citibank Platinum Select Mastercard according to the Citibank website:
Save with a 0% APR on balance transfers with no balance transfer fee.*
Generous credit line
No annual fee
$1,000,000...

Pros: Amazing helpful customer service!! Able to get annual membership waived/reduced.
Cons: Telemarketers get your information.

The unthinkable happened. On Friday, September 1 someone stole my organizer out of my purse and with it got my driver license, medical cards and Citibank MasterCard. May they get an infection that causes their feet to rot and fall off.

...

Pros: Reliable service, flexible interest rates
Cons: None

My first experience with Citibank Visa was as a college student. Fresh out of high school and excited about all the pre-approved credit offers I was receiving in the mail, I didn't hesitate to apply for a number of cards -- and didn't hesitate to use...

Pros: Large cash rebates, flexible website, virtual account numbers.
Cons: $300 annual limit on cash rebates, quirky Autopay system, poor website integration.

When it comes to getting a Citibank credit card, keep in mind that not all cards are equal. There are a variety of cards with different terms and conditions. My particular card is the Citibank Dividend Platinum Select. This card has no annual fee, ...

Pros: Willing to help young people establish credit, very convenient service.
Cons: Why shove something down my throat? Listen to the customer

Who can live in this country without owning a few cards? I am not talking about a wallet or purse full of cards. The aggressive marketing by the card companies trying to outdo each other could lead you to have more than you want. I imagine you are...

Pros: Good rates & customer service
Cons: Nasty rate and fee surprises

I have been a CitiBank cardholder for about five years & my experience was generally very good - until recently.

My problems with this card started last Fall, when I found myself temporarily in over my head. I had just purchased a house and...

Pros: Great, low rate on balance transfers!
Cons: Standard APR not great, no built-in reward program.

I've had way too many credit cards in my short life of 31 years and of those, I've had a half a dozen or so VISA cards. With each one I was trying to find the lowest APR (isn't that always the goal?). Last year I received a pre-approved form for a...

Pros: Great service, you can improve your account's standing and advantages
Cons: Some aggressive telemarketing for insurance on the account.

I've been a Citibank cardholder for 4 years. Over that time I've tried several cards for many reasons. Through them all, Citibank is the only one who hasn't disappointed me in one way or another.

This company has been professional from the...

Pros: great service, no annual fee, high credit limits, additional features
Cons: can't think of any

I got my Citibank MasterCard in 1993. I was a freshman in college, and it was my first card, after two other banks did not approve me.

During seven years with them I don't recall ever having a problem. On few occasions I had to talk to the...

Pros: Great credit line, Low APR, No Annual Fees
Cons: Nothing!

Not wanting to deal with credit card debt, my Husband and I waited for a while before we got ourselves major credit card. We were thinking of buying a home and knew we'd need a sufficient credit history to obtain a mortgage easily.

We'd been...

Pros: You can use it anywhere
Cons: The bill will never get to you

I am a student a looking to establish good credit early on. I was thrilled when Citibank approved me because other cards were giving me a hard time about have no credit history. I got the card and I have only used it for very small purchases--...

Pros: One of the most competitive credit card offers around.
Cons: Eventually, the introductory interest rate ends.

Provided you have good credit and can pay back your balance in the end, Citibank currently has one of the best introductory credit card offers around...0% interest on balance transfers for up to 9 months on many of their cards.

You can even...

Pros: Card arrived quickly
Cons: Billing statements sometimes never arrived at all.

We've all, no doubt gotten those card ads in the mail. You've probably had months where you get 40 ads for credit cards that you've never heard of before to every "good" piece of mail in your box. One of these ads is from CitiBank for their credit...

Pros: Airline Miles
Cons: Customer Service, Wrongful Billing

I actually signed up with Citibank after a friend told me about a special they were running where I would get 2.9% for the first 3 months and then it would jump up to 18% after the promotion. They also offer airline miles on all purchases with a...

Pros: friendly customer service, willing to work with the customer, lower APR
Cons: not a great APR, but will make adjustments

My husband and I do not have the best credit rating at the moment, but not because we aren't trying. My husband received a promotion and substantial pay raise a little less than 18 months ago. For the first 6 months we were paying a mortgage on a house...

Pros: Citibank will greet you with shiny, recorded phone greetings
Cons: Some Customer Service reps seem to *relish* their lack of power to resolve problems

Once upon a time there was a land called America, where people were free to speak their minds, banks went about their business of making money, and customers were usually right. Free speech, banks and customers lived together peaceably, and life was...

Pros: Accountonline, customer service
Cons: Fall too far behind on payments and they can be nasty!

I've had a Citibank credit card since I was a freshman in college (it was my first card). I started with a very small credit limit, and they've treated me great over the 10 years I've been with them.

Recently, I was on vacation when I...

Pros: Modest Variable interest rate, 0% inro for 6 months, 1.9% balance transfer
Cons: None really

The Story:

After plenty of bad experiences with Capital one and Providian Bancorp. I was ready to just call it quits on the credit card game; I paid my payments on time, never went over the limit, and was basically an ideal customer....

Pros: Decent offer
Cons: Too many problems, often bad customer service

I have a CityBank Gold MasterCard and it's a shame. All in all, it's a good offer, but the card is unlucky (at least to me) and the service is more often bad then good.

City Bank Gold is a decent offer - no annual fees, good credit limit, all...

Pros: Great Customer Service, Willing to work with you
Cons: Its Credit!!

I've had my Citibank MasterCard and visa since right out of highschool(almost 14 years now). I have never had a problem with them and customer service has been great when I would call. When I started out with them I had a higher interest rate and an...

Pros: Lower Interest
Cons: Posting Late

Our credit card was initially with Mellon Bank but as of last year it was changed to Citibank. I had a $6000 balance last month and on the 15th of May sent a cashier's check for $3265 and a personal check for $500 for payment due on the 30th of May.
...

Pros: Good Service, Rebate Plan Available
Cons: Pushy Telemarketers and Unauthorized Account Changes

I am the owner of a Citibank Dividend card, among a few others. I'm constantly offered new credit accounts, and sometimes I give in. I've tried the balance transfer trick over the years, which has left me with numerous cards to cancel. Try as I might...

Pros: Well known, first card to give me a chance
Cons: Telemarketing callers who make unauthorized charges

After working hard to repair my credit after a divorce, Citibank Visa was the first card to give me a chance. Never mind the high interest rate and low charging limit they gave me, I was grateful to get my first credit card. Things went well for a...

Pros: has a photo id
Cons: I had more problems with Citibank than I have had at the Freshpond McDonalds

If you love getting all those envelopes in the mail with the slightly incorrect spelling of your name and address then by all means sign up for this card immediately. If your like me, and you like to open your mail without having to read about offers...

Pros: Accepted everywhere, will lower interest rates.
Cons: Not flexible on payment schedule, call too much

Every city has a bad side, and Citibank has one to. They are a company that can give you the best of times or the worst of times, and loving doing both to you!

Citibank is flexible with interest rates. Every six months I call them and ask...

Pros: Online fraud protection, price protection, cash back
Cons: You'll need another card for offline purchases

Issued by Citibank, the Click Citi card is for online use only. When your account is approved, you get a card in the mail with your name and number on it, but it's not like a typical credit card. There are no raised numbers and no magnetic strip or a...

Pros: It's a basic Visa, no annual fee, no gimmicks, accepted everywhere
Cons: Horrible Customer Service, Accounting can't seem to post checks they receive until AFTER the late date, everyone is a crook to them

When I was about 17, my Dad got an offer in the mail from Citibank, which included an offer to send an additional card with other names on it, but for the same account. He said he would allow me to get a card, but he would monitor the account to make...

Pros: Low APR, reliable, no hidden costs
Cons: low starting credit limit

Citibank was the first credit card I signed up for when I was a senior in High School, 6 years ago. Since then I have tried many many many other cards and have canceled every single one of them. Citibank is so reliable.
There are no...

Pros: great C.S.
Cons: not so great rates

So there are cards out there that have better rates, sure. But I have never had a card that has given me the great service that this card has. I have been consistently pleased with the customer service of Citibank, and this is one card I won't be...

Pros: Easy, simple, great web site/phone service
Cons: junk mail and wordy rules that need close scrutiny

Citibank is one of the largest credit cards in the US, and I see it everywhere. I really enjoy my Citibank Visa. I've spent a TON of money on my Citibank Visa, too; it is used for all the big-ticket items like TVs, computers, etc.

Over the...

Pros: Charge Protection ,Extras like insurance, Nice customer service
Cons: none for me

I have a citibank card. Why? Because they offered me an account when I was in college and I got one. This one, and only one, is all I need.

You won't find a dozen credit cards in my purse. I think you only really need one good credit card, and...

Pros: Can make payments by phone.
Cons: Not a great card for students given the high fees.

As a college student, I've been inudated with credit card offers. I chose the Citibank Visa because I was pleased with its (semi) low interest rate and lack of a yearly fee.

I have had, in the past four years, the following problems:

...

Pros: Solid Rates & Service
Cons: Annoying Sales Calls Constantly!

I have read several of the reviews for the Citibank VISA/Mastercard. Basically my impression of the company is very similar. But I am canceling this card as soon as I can and for a single reason.

Sales calls.

I have 5 credit...

Pros: Excellent customer service, easy to get this card
Cons: Higher interest rate

Here is another review from my fiancee Carrie:

Citibank was the very first credit card I received. I have found that Citibank is one of the best companies when it comes to giving credit cards to those who little or no credit history (they...

Pros: I have access to my account at all times
Cons: I had one bad experience of getting problems worked out

I received my Citibank Visa over three years ago and I love it. I love the low interest rate and the no annual fee. I ran into a problem approximately a year ago with someone placing a charge on my card that wasn't suppose to be and unfortunately put...

Pros: Great credit card company always helpful
Cons: They call all the time

Citibank is a good company don't get me wrong. We have never had any problems using our credit card or with our bill but this company is just annoying. They call our house every week trying to get us to enroll in another one of their programs. We...

Pros: no annual fee, low APR, great service
Cons: none

I've been a member of Citibank since 1999. I must have received a mailing from them asking me to apply for a Citibank Platinum Visa with a low interest rate. I actually never had a card above the standard plus I liked their no annual fee, so I...

Pros: Customer Service, Great Promotional Rates
Cons: High Variable Rate

I have played the balance transfer game for quite some time now so I've had more than a dozen cards over the years. Citibank has been the one card that has stayed with me throughout.
Citibank has always offered great promotional rates and the...

Pros: Good service, decent rates, good security features.
Cons: Big corporation, not particularly socially responsible.

I'm not necessarily a huge fan of Citibank's past record - that little media flap over laundering hundreds of millions of dollars in drug money from Central America didn't impress me. And large companies aren't always the most agile - others rolled out...

Pros: Good customer service, no problems with bills
Cons: None as long as you pay it off monthly

I, like many other college students, sent off for a Citibank Visa when I was 18 just so I could start accumulating some sort of a credit rating. It's four years later, and I still use the card, even though it has an extremely high APR.

That's...

Pros: acquiring a good credit rating, feel good about what you buy and not worry about the cost
Cons: is customer service really all it's cracked up to be

In the past, when I have used Citibank, it was always for the good of my family. Usually I would get a shirt here, pants there, maybe even a toy for my husband or kids, but to say that it was easy to get a customer service person on the phone was not...

Pros: Easy to access.
Cons: Poor incentives to use the card.

I have been a Citibank Platinum Master Card holder for a little over two months now. Overall I have been pleased with the service. Originally I was a bit hesitant to cancel my long term relationship with Providian Financial Bank (Visa), however I am...

Pros: excellent customer service; no monthly fee
Cons: none

Out of all of the credit cards I have had over the years, I have been sure to keep my Citibank VISA. Because of the excellent customer service I have received, I feel I am protected when I charge something on my Citibank VISA. There have been times...

Pros: customer service, accurate
Cons: none

Citibank has great customer service. It is far and away the most courteous and knowledgeable customer service of any credit card company. They also have a special feature for credit increases. While most credit card issuers require a credit check and...

Pros: low APR, helpful staff, rewards for loyal customers.....
Cons: the credit limit may be too high for the weak

The competition amongst credit card companies these days, is to get new subscribers, through low transfer balance rates. If you're like most Americans, you must receive plenty of junk mail daily, I do too, but if you receive an offer from Citibank,...

Pros: transfer rates, customer service
Cons: may be "just another card" to some

I've been with Citibank's Platinum Mastercard program for over four years, and I have no complaints about it at all.
They offer great introductory rates, and their balance transfer program offers some of the best rates available, and you get the...

Pros: Great Credit Limit, helpful customer service, Marvelous Despute Priviliges!
Cons: Interest Rates alittle higher than other banks.

I have been a citibank credit card member since January 2000. I was approved with a $5400 credit limit. $3900 Cash Limit, with a 2% Cash Fee. Citibank's customer service has always been a great help. I have never paid any over the limit fees, late...

Pros: None that I can think of
Cons: They don't approve very many people

After I turned 19, I had cards coming out of the "wazoo" ... I was the only 19 year old around that had 3 credit cards. I guess this was because I worked at the Hudson's Bay company when I was 17 and got a store card. Anyway, it seemed that...

Pros: Printed break down by category of goods and services.
Cons: The thieves will change your grace period without notifying you.

I pay my credit card in full each month. Those crooks at Citibank shorten the grace period because I do this. They even told me this over the phone tonight. It became outrageous when their closing date is 10/4/05 then the payment is due on 10/24/05. ...

Pros: great cash back reward program
Cons: zilch

After reading some of these reviews which state that they have no rewards, I am a bit confused because my Citi Platinum Dividends cards seems to have plenty of them. Are we all talking about the same card?? Anyway, read my review and then judge for ...

Pros: Great Website, good fast automated account info, some nice features
Cons: Worst company policy ever. Screwed me over big time. Read below.

I was a proud card-carrying Citibank Visa customer for 12 years. Thats TWELVE YEARS with one credit card company. I had often carried a balance for a few months at a time and have charged 10s of thousands to this account over those 12 years.

...

Pros: Good credit line.
Cons: Deceptive and Misleading Practices. A disgusting company.

I used to have sentimental feelings for my Citibank Visa card. After all, it was the first credit card I ever had in my wallet after I signed up for it in my College Bookstore in 1993. What began as a student credit card with a $600 limit has blossomed ...

Pros: Big (known) name
Cons: Bad customer service, too much solicitation by mail for additional accounts

I haven't had any problems previously with Citibank, until this one. I had a billing issue (I attempted to pay off my balance in full then received a bill the next month for finance charges, I paid that and then received a .50 bill the next month) and ...

Pros: None
Cons: Customer service people have no knowledge, give conflicting information, never follow through or follow up

I've called their customer service number about five times to ask about setting up automatic payment (so that the card balance is taken out of my checking account automatically) and I've gotten about five different answers. One person said they'd set it...

Pros: Good interface with Quicken.
Cons: Disloyalty to good customers.

After 15 years with a Visa CitiCard with no late payments ever, I received an unpleasant surprise when a purchase at the grocery store was refused. When I called the customer service I was told that I had exceeded my credit limit. I pointed out that my ...

Pros: Good service and terms in the past
Cons: New attitude shows no concern for customer loyalty or satisfaction

I was first issued my Citibank VISA card over 13 years ago while still a sophomore in college. Until the last year or so, I had always found my card useful and my dealings with Citibank pleasant. I made my payments on time, and when I periodically paid...

Pros: Good customer service, good rates, high credit line
Cons: no fixed rates offered on contract rate.

I own 3 Citibank cards: the platinum select, the dividend, and the diamond preferred.

I keep having good experiences with this company. When I first got my platinum select card, the rate was a prime 5.99 for purchases. In less than a year,...

Pros: No comment!
Cons: Liar! Liar! Liar!

I selected Citibank because they keep sending me letters about there great offer they have for me. I had got letters for over a year from them. The deal was a 1.9% rate for ten months if I would transfer 4,500.00 from another credit card company.
...

Pros: excellent service, benefits, rates.
Cons: one of the UGLIEST cards I've got.

This article addresses : EXACTLY what makes the Citibank Platinum is a Keeper item, HOW MUCH you should expect to pay, and ALL the tips and details that will make or break your credit satisfaction.


After some really nasty experiences...

Pros: Online account management (when you're not locked out of it for "security threats") is good
Cons: They treat their customers like idiots; they're more concerned with fraud protection than functionality

Citibank’s marketing their “early warning fraud alerts” as if they’re making our lives better by blocking transactions on our credit cards is insulting to its customers. I’ve been at a gas station, with no cell phone, at 3a.m. with a sleeping baby in ...

Pros: Haven't really found any.
Cons: Poor customer service and trickery.

I obtained an Associates credit card several years ago. I always had excellent service with Associates and never any problems. The interest rate was a little higher than the rest of my cards, but there was no annual fee, so I felt it was a fair trade...

Pros: On-line payments, on-line statements, e-mail updates
Cons: Uncaring, unforgiving - you are just a number

I have been a Citibank customer since 1993. Because of issues with a GM Mastercard and them taking over 30 days to process payments, I always paid them in plenty of time. When internet payments became available, I began paying online and never missed a ...

Pros: Low Rates, Good Web Page
Cons: Lost my business after promotional rate was gone

I had this card for a two years. We paid off all of our retail cards, and consolidated them into this low intrest rate card. It was great to see such minimal finance charges for a change.

Although I never found any special perks or incentives...

Pros: Great Fraud Protection
Cons: Same Rate as Everyone

I have been a Citibank customer since I got their card in college, that is a LONG time ago, no you can't ask how long, trust me it was long ago.

However, the reason I am writing this review is to convey a great thing that Citibank did. First...

Pros: Great Customer Service
Cons: Interest a little too high

I've had a CitiBank Mastercard for over 10 years and I'll continue using this one. The customer service is great. I can always get a real
person on the phone usually after about 10- 15 minutes. The wait is worth it.

Last year when I...

Pros: Willing to give credit to poor college students
Cons: none

My senior year in high school I had a social studies teacher who told us horror stories about women who had been happily married right out of college that were married for years, then got divorced or widowed and discovered that they had no credit rating....

Pros: online payment, email statements, reliable payment processing
Cons: sneaky terms changes, solicitations

I've had this card for thirteen years. Actually, the account has changed flavors a couple times, and ...

Pros: no annual fee
Cons: pestering phone calls

When i turned 18 years of age I decided it was time to start building my credit. I applied to numorous credit card companies but the only one that would accept me was Citibank. They gave me a resonable interest rate for a credit card company and a...

Pros: No Fee. Good Rate.
Cons: Credit Reporting Purposely Inaccurate.

Citibank gave me a preapproved offer for a credit card with no annual fee and a competitive rate introductory rate. It's free and when used it's cheap. Why ask why?

Well what they don't tell you is their credit reporting policy. You see...

Pros: Citibank U.S. may be better. I really don't know.
Cons: Citibank Canada; no customer service; refusing to co-operate with customer(3 different people refusing to give me the fax number I asked for so I can fax them a copy of the paid money orders); refusing to give money back and refusing to give me the card I

I applied for a regular Citibank Visa. My application was denied. Along with the letter denying me a card was an application for a secured Citibank Visa. All I had to do was send anywhere from $500 to the maximum $5,000 and that would be my credit limit....

Pros: Low interest rate! Helpful Customer service! Convenient!
Cons: Negotiating rates, and limits are tough to overcome.

Citibank Platinum Select.
My very first card. Out of high school, into college...and into the world of debt!
I've been a loyal card holder since 99. Why I'll never close this account:
1) It has one of the lowest interest rates of all my...

Pros: No annual fee, decent credit line, can make payment online.
Cons: Cust. Service can be confusing, $5 charge to make payment over phone.

I've had my Citibank Platinum Select Mastercard for about 2 1/2 years now. Before February of this year, I'd have rated the card the same as any other credit card I had: decent features, but nothing special. After February, I received an offer from...

Pros: No annual fee, regular lower interest offers
Cons: NA

I have heard so much about Citibank. From friends to family members who have the card or who have accounts with the bank itself. Well, about 4 years ago I got an offer for a Citibank Visa card, and I accepted it. I really liked the card. Then they...

Pros: You have a credit card
Cons: Lousy customer service, too much "fine print."

The only reason I'm holding on to this card is because I still have a balance on it, but it's almost impossible to pay it off with the high interest rates they impose on you. I started off with $7500 credit limit and a 18.49% interest rate. Not too...

Pros: excellent service, great internet access
Cons: unnecessary junk mails & calls

I have been using Citibank Mastercard for over 5 years now. I have noticed that each year the service they offer has been getting better and better. For one they have never said no to decrease my interest rates whenever I have called them. The customer...

Pros: Great customer service, low APR on balance transfers
Cons: Not recommended for people just starting out or with people with bad credit.

About seven years ago as a college freshman, I applied for a Citibank Mastercard. At this time I had no credit. The only accounts in my name were my checking account and a savings account that my parents opened for me.

I received my Mastercard...

Pros: Great customer service, refunded first late fee, good interest rate
Cons: Can't think of any yet.

Citibank sent me my statement. Silly me, I did not read all the small print to discover that I really do not have a grace period before getting a fee. Oops! I just assumed that I could get it there one or two days late without a hassle. Wham a $29.00 fee...

Pros: Low APR, great customer service
Cons: occasional calls and charged fees

Citibank was one of the first companies to offer me a credit card when I first started college. They had a fairly reasonable APR, and only called me about once a week or every two weeks to offer me a new service, card protection, etc. When I decided I...

Pros: excellent service,no annual fee
Cons: very quick to assess late charges

I've been a Citibank customer for 4 years now, and have always received excellent service from them. I started off with a standard car, and now have a Platinum, which comes with a few more features, like added travel insurance. I always used to pay my...

Pros: Easy to get approved
Cons: High interest rates, lousy service.

I like credit cards. I have always had at least three or four cards since I turned 18 four years ago. Citibank was one of the first cards that I received, possibly because of their aggressive marketing college marketing tactics. While the brand name is...

Pros: similar to other cards in rates and offers
Cons: outrageous late fees and an inability to sort the good from the bad. See below.

Something happened to my April statement from Citibank Quicken Visa. I lost it, the mail lost it, or Citibank sent it somewhere. I just didn't receive it. On that statement was a $12.95 charge for something (who knows what, I never got it). My May...

Pros: The current issuer for the Quicken credit cards.
Cons: Makes misleading or fraudulent promotional offers and provides poor customer service.

On my January, 2001 Quicken Visa statement in the Cardmembers News section, the card issuer, Citibank U.S.A., made the following promotional offer:

GET A 1% REBATE ON ALL YOUR PURCHASES FROM NOW UNTIL JANUARY 31, 2001. POST-HOLIDAY SHOPPING...

Pros: 3.9 for a full year
Cons: None

First of all, I am finally recovering from very very bad credit. My husband has & has always had great credit. I hated having to combine our credit for our mortgage, but it was a great learning experience. We got our mortgage with no problem, and...

Pros: I don't have to do business with them anymore.
Cons: Their customer service.

Citibank Visa was my first credit card ever! I was in a Freshman in College. On the way to class their were credit card reps lined up and down the hall trying to hustle us unsuspecting young adults to be lured into a life of debt. To someone who had...

Pros: High credit limit, Good Intro APR, Customer Service, Outstanding website
Cons: Met one bad customer service rep. None other than that.

I have a Sony Card for college students from citibank. The application and approval process were a dream. I Just filled the online application form and was notified within 2 weeks. The glitch in the procedure is there wasn't an account activation...

Pros: it's a credit card they'll give to almost anyone
Cons: just don't get in the position where you have to speak with them

Citibank, just like any other bank, is in the business for profits. However, the most publicly approved banking institutions are those who take an active role in seducing their potential and current customers. That is the way the game is played, and to...

Pros: upper management, rates
Cons: customer service staff, reliability

I have had a rollercoaster ride with my Citibank Visa Charge Card. When I was in College, I received a Citibank card and used it for books, etc. while in school. I paid off the balance (or close to it) each month and sent in a payment in October of...

Pros: Great service and security
Cons: Well, you still have to pay the bill ( I am sorry)

This is a great card for all of you college students. They have great service, and they have wonderful security features.
To start off with, the service that I have received from the company has been outstanding. Not only are the operators real...

Pros: About average as far as credit cards go these days, but nice ads on TV
Cons: Nothing special about them. Poor customer service.

I don't expect much from credit card companies these days. They've all become masters at milking even the most conscientious consumers for every last dollar, and Citibank is no exception. As a credit card, my Citibank Visa as performed unexceptionally...

Pros: Electronic convenience
Cons: Annoyed telephone customer service staff

We have used Citibank's Sony Card for almost two years now. It was one we did not close in the credit card game because of their excellent service. We have our account set up to be completely electronic. I don't receive statements or solicitations...

Pros: Ease of use; never any problems with billing, etc.
Cons: none really

I have had a Citibank credit card for about 8 months now. I decided to get the Citibank card because I liked the idea of having 6 months interest free. I have not had a SINGLE problem with this card. I mail my payments in on time and my records are...

Pros: None
Cons: Poor customer service

Citibank is one of the worst financial institutions I have ever had dealings with. There customer service is almost completely non-existent.

When you have a problem you will have to call there customer service number three or four times...

Pros: Great company, courteous customer service
Cons: You're still using money that's not actually yours, like they say, in the good old days, people stopped spending money when they ran out of it. (smile)

I was offered a Citibank Visa when I started college. You would not believe the world of difference it made. Not only did it help me out with a credit history, it gave me enough financial independence to move around a little. But the good thing is, it...

Pros: My prose demonstrates there are no pros!
Cons: bad service, disloyalty, no human element

I have been a citibank visa holder for over seven years, and what have I received by way of benefits and service, absolutely nothing. I received my card after responding to a preapproved offer in my college post office box in the beginning of 1993. I...

Pros: prompt, friendly service
Cons: none

I've had my Citibank for several years now, and consider it to be one of the best I've ever had. Their balance transfer rates are very competitive, and their interest rates on purchases and cash advances are also very good. They also gave me a higher...

Pros: credit limit
Cons: Customer service, finance rate changing, unwillingness to help

Well, I was so excited the day that I received my new Visa with a credit limit of $5000. I thought finally my credit is good after working with CCCS for 3 years. I am one of four and a military mom. We do not make very much money and this came in so...

Pros: Willing to work with you, rates not bad, online protection
Cons: Pesky phone calls, tricky voice automated system

This was the first credit card I got once I got into college. It was the best student deal I could find around, and believe me, I looked. I was relatively happy with their rates and they gave me a nice low limit that I really appreciated. Also,...

Pros: Fast Easy Reputable
Cons: Good online only

I have been turned down by every online card there is- Nextcard etc. But I received an offer in the mail for this card as I already had the Citibank Visa Classic. I went to the website and instantly had a 2000 dollar credit line! I had never shopped...

Pros: On-line access
Cons: No rewards, called to cancel card and they got really snotty!

After having this card for 3+ years and paying off my account each month, I was tired of using this card and not seeing any rewards from it. No frequent flyer miles, no cash back, no rebates, no nothing. I called to cancel the card, and I was switched...

Pros: A top-notch card that grows with you and provides great customer service!
Cons: None so far...

My first credit card was a Citibank Visa that I received my sophomore year of college. I initially received a $1000 credit line at 18.9 interest. Two years later I opened a Sony Card Mastercard with Citibank.

I recently called their customer...

Pros: They kept their word so far
Cons: I have none to date- 2 years

One thing to remember is that you play a dangerous game any time you get involved with credit cards. As long as the credit card company plays fair and you're responsible things are in balance.

Citibank helped me get out of the clutches of...

Pros: good customer service
Cons: no perks

Wasn't that their tagline a while back?

I've had a Citibank card since 1994, and it is my absolute favorite card. they have excellent customer service, but their APR might run higher than other cards. to me, that's worth it. Ok, perhaps i'm...

Pros: None
Cons: Fraudulent liars

We received an offer in the mail for 10,000 bonus Thank You points if we signed up for the card and used it once. Receiving these points was our incentive and motivation to sign up. However, the bonus points never arrived as promised. We called to see ...

Pros: low rates, great service, no mistakes
Cons: annual membership fee

I opened a Citibank Visa Preferred Card in January of 1986. At that time there was no such thing as platinum. The initial credit line of $6,000. was excellent but the rates weren't. At that time every card had an annual fee and a 19.80% rate so I...

Pros: they were very nice to me while I was still in college - typical
Cons: very poor web site; high fees and rates; no mercy despite years of use

I changed banks earlier this year. I switched my banking information on all of my online accounts, especially the Citibank account because I knew that they required several days before allowing a payment from new banking information (unlike every other ...

Pros: I can't think of any. Really. They are awful.
Cons: Late fees that are huge!

Citibank is terrible. They don't have an auto-pay option for their cards and that can result in late fees if you have a busy lifestyle (as I do). The minimum fee I have been charged for being late was $39. Hello usury. Now take a guess at how late I was? ...

Pros: Hilton HHonors points
Cons: Citibank itself

After having a Citi HHonors card for years with an excellent credit history I have now canceled my account due to the idiots that run Citi. I opened a "pre-approved" offer from Citi - called them accept the offer and had to go through an automated phone...

Pros: They are willing to work with loyal customers.
Cons: Can't think of any.

Enclosed letter to Discover Card.
"I am writing to express my frustration with the service at Discover Card. Let me briefly recount my experience:
I have had my Discover Credit Card for over 5 years with no
problems what...

Pros: Customer Service. % and %+ cash back on regular purchases.
Cons: If you carry a balance, the fees can get quite large.

I've had many credit cards over the years, but this one has always given me the best service and options. I got it right out of college and it's been nothing but a smooth ride for twenty years. I carry other cards at the moment, but this is the only one ...

Pros: promises
Cons: customer service, requirements

I have had two credit cards in my lifetime: BankofAmerica and Capitol One. Cap One has been the best to me, so far, in my small amount of card usage (seven years.) Bank of America I cancelled solely because they charged undisclosed fees when I used my ...

Pros: Snazzy "free" gifts and easy to get (on a campus)
Cons: High APR, horrible customer service, and wrongful billing.

Citibank lulls college students with interesting, "free" gifts. Such as free t-shirts and candy.

What they don't tell you is the high APR on charged goods and services. I signed up with Citibank, as my first credit card. I needed to use...

Pros: great company w/ excellent customer service
Cons: too many soliciting phone calls

I have a Citibank Driver's Edge card. It allows me to get money back towards a car.

I have always had good luck with Citibank and I have had my card with them for 10 years. Their customer service is always available and I never have a long...

Pros: Online Banking
Cons: None

When I turned 18 (9 months ago) , I started getting offers from credit card companies. One offer stood out from the rest. CitiBank. I signed up for their Student card, and in no time I had my first credit card.

So what do I think about...

Pros: I guess the rewards program
Cons: Customer service

I have had my Citi credit card for 4 years now, and never had a problem until recently. They were charging me $20 a month for the Credit Protector program, when I had called 3 times telling them to take it off my account. Well, last month this $20 put me ...

Pros: great website, pay your bills online,send/receive money
Cons: horrible, rude customer service

I have had two accounts with citibank over the years. Once when I was in college. I was happy with the service and closed my account because the rate was too high.

I opened another account just last year, wooed by a great interest rate. Never...

Pros: Great service, online access
Cons: High interest rates, watch my credit report like a hawk

I have had the Citibank card for five years now, and I'll have it for many years into the future. They have stood by the card since my shaky first credit days as a student, and have grown with me into a career where I can handle a larger credit line....

Pros: Great service and effort.
Cons: Not enough branches around

I started my own business couple months ago, and I needed a business checking account. I search through many banks around, but they either required for me to have had the business running for more than one year or was asking for incredibly large amount...

Pros: Nil
Cons: Non customer oriented services

I went into a Citibank branch office in Taipei and tried to pay the credit card bill in cash for my sister several days ago. The clerk told me that the counter wouldn't deal with any cash transactions anymore. She asked me to put the money into an...

Pros: reasonable interest rate
Cons: cant think of any

I have had the citibank platinum card for a while. I think it is a great card to have because it has a lot to offer. I have transfered balances on to it because I call them and they give me an ultra low interest rate to be able to make the transfer....

Pros: convenient, reliable
Cons: credit costs money

I have had my Citibank credit card since I was 18. I have had only one mistake in 7 years, knock on wood, so I am relatively happy. My interest rate is low, customer service is very good and I have had no problems with the service I have received. I...

Pros: None
Cons: They didn't send me a card

Below is my original opinion, which I am updating here on 11/8/00. A card did actually arrive today, nearly 7 weeks after the application was submitted and 3 weeks after I was told that they had not received an application. The card that came was a...

Pros: Top leader in fraud protection
Cons: Hard to get an account

Citibank is the top leader in fraud protection. I should know before deciding to stay home with my kids I was one of their fraud workers. I have had a lot of credit cards before so I know what it is all about. They also offer innernet pay and many other...

Pros: Great customer service low interest rates great credit increases
Cons: None

I received my first Citibank card (classic) in 1994. I was given a $500 balance while I was in college. I used the card, ran up a bill, paid it off (did it a few times) and they have increased my balance to $2000.

Citibank has always been an...

Pros: Great Rates / Great Service
Cons: N/A

I have read all posts here and I must say if they had problems w/ Citibank then someone dropped the ball. Maybe they should have talked to someone at a higher level. I have never seen a company as willingly to satisfy their customers as Citibank.( I have...

Pros: none
Cons: high APR, poor customer service, won't work with you

I've been a good-standing Citibank credit card customer since 2002. I opened my card as a college student, and at the time my interest rate was around 10%. It has since been raised a few times, with no given reason. Just got a notice in the mail that ...

Pros: Reasonable interest rates and no hidden fees
Cons: Interest rates are not discounted like other cards

I have been a Citibank holder since 94. In the past they have always had good rewards programs, excellent customer service and competitive rates. Now they are treating me like a jerk.

When I first got my Citibank card, the company was very...

Pros: They give you a free palm
Cons: So far everything. Terrible Service and bad impression

Update June 15.

I have now had my citibank account for over 3 months and made two online payments. I should have been sent a free palm pilot.
Since I have not received it, I called Citibank. I was told that since I did not have my...

Pros: Good service, and willing to help
Cons: none yet

Are you still paying 19%, 18%, 15% or even 13% APR on your credit card? Just do what I did! My APR with Citi Platium was 15.9%. While on the other hand my other cards carried a APR of 9.99 and 10.99. I decide to cancel my account with citibank, because...

Pros: None
Cons: Cheap skates

Ya know, I have used this card for a little while and this is just ridiculus. It is a shame when your card has a balance on it and you can not even use it. I went out to a resturant and thinking that I had at least $500.00 balance on the card, and I did....

Pros: Good introductory offer, reasonable terms
Cons: High interest rate at end of introductory period

I've had cards with at least 7 banks in the past year, and so I've rated each of these against each other based on their introductory rate, standard rate, fees, and how customer oriented the bank is. I've been paying off a big chunk of debt that my wife...

Pros: Superb Customer Service, No annual fees
Cons: None to mention.

Citibank is superb financial service corporation. Even a young person like me can get things done. They are efficient at everything. From the moment you apply for a card to the moment you make your purchases, you don't have many problems. When you...

Pros: Generous credit lines, no annual fee, and good customer service
Cons: Start out with a high interest rate and work your way down

Citibank gave me credit when I needed it the most. They are very generous when giving credit lines and lowering interest. I have had mine for quite some time and as the months go by, I keep sending my payments in on time, they lower my interest.
...

Pros: Good service
Cons: none

With all the credit card companies out there, Citibank has to be my favorite one. Their customer service is very good and top notch, and is avalable 24/7. My monthly statements are accuate and timely. Even thou the interest rate is in the 13 to 16%...

Pros: No Comments
Cons: Bad Policy on Non-Residents

I had a bad experience with CitiBank several years back. I got an offer via mail from CitiBank for a visa card with some good benefits. I studied the offer carefully and felt that its a good deal. I filled in the form and mailed it back.

After...

Pros: NONE at all
Cons: lousy customer service, too complicated to open a simple checking account

I tried to open a simple checking account with Citibank. It was the largest hassle I ever stepped into. First the online application was approved. Then I had to fax in a form, which they lost. Then they sent a "welcome kit" to my house, with separate ...

Pros: American Airlines awards
Cons: The right hand doesn't know what the left hand is doing.

This is a letter that I wrote to S. Larson: Dear Mr/Mrs S. Larson, I was quite bereft having read your break-up letter to me. After all, we’ve had a relationship for nearly twenty years. Admittedly, I too have been seeing the folks over ...

Pros: First card I received, helped begin building a credit history, good customer service, widely accepted.
Cons: No real benefits, average APR rates, slow to increase credit limit.

As a first credit card, Citibank does an excellent job taking care of the customer. You have, what I perceived, as a generous credit limit for a person without a credit history at the time and no steady income (college student). As time progressed and...

Pros: none.
Cons: They freeze you account and force you to call in.

I have primarily had bad experiences with citibank. In fact, I can't think of any good experiences I had with them. Several years ago, I had booked a hotel through them, and although I only stayed at the hotel for one night, the hotel charged me for 2. ...

Pros: I like the American Airlines mileage.
Cons: No protection from credit card company if deal with disreputable merchant

I bought a service with my Citibank Mastercard which was performed negligently and caused serious damage(namely, a facial which left me with scars over most of my face for two weeks and required medical attention). I sent Citibank Mastercard a request to have the charge reversed and included a photograph of the scars taken by a doctor. I got a form letter back saying that since I got the facial, I had to pay for it.

Most of us believe that, as consumers, we are protected from shoddy merchants if we pay by credit card. Not so if you pay by Citibank Mastercard. By the way, the decision is made at Mastercard, not Citibank, and Citibank has no say in how Mastercard decides it. So this would apply to any Mastercard.

Pros: Don't mean much anymore...plenty of other options...
Cons: bad service, high interest rate, lack of compassion and understanding, accusatory...

Customer service, what? Citibank needs to train people representing their services better because right now they appear to serve no one but themselves. Only if you mean a lot of $$$'s to them do they seem to give you any respect as a customer. I've had the MasterCard for over 10 years and recently have zeroed out my extremely high balance but still continuing to use the card on and off but noticed they've been treating me like a piece of sh#t every time I've called in for 'Customer Service' since. They've gotten plenty of profits off me over the years when I did have a high balance and I do not deserve to be treated in this manner for whatever reason. Rather than directing me to a higher level personnel for my concerns, the person I dealt with over the phone decided to accuse me of things and called me names and tried to cut me off and hang up on me. Just because of this, I am highly discouraged from ever using this card again!

Pros: None. Run from this company!
Cons: "Cons" sums it up!

Twice in the last two months, after paying the entire balance promptly, I was charged interest on a zero balance by Citibank. Worse yet, they actually tried to justify these charges by stating that the additional interest charges were "late posted" by them. Both times, I had to threaten to call the Attorney General's office before they would remove the charges.
Citibank's behavior is not unlike a con artist, constantly looking for new weighs to cheat honest people out of their money. I'll be switching credit companies.

Pros: lots of locations
Cons: dishonest, unintelligent employees, unresponsive/rude customer service, and general incompetence/theivery.

Citibank customer service is a joke and they are exeptionally dishonest. They block accounts for no reason, and apologize and admit doing so but do not compensate a person for bounced checks/inability to pay bills due to the block. Citibank is a champion of slipping fees where there shouldn't be any: I set up a college student debit account (meaning no monthly service charge) when to my surprise I was being charged $12 per month, as well as charges for carrying a low balance. Only after MASSIVE amounts of complaining and threats did Citibank refund my money. Then, the debit cards stopped working and they issued a temporary card that is unable to be used anywhere but ATMs and never sent a replacement until I went in person to the branch to scream at their typically rude and unintelligent employees. DO NOT USE CITIBANK!

Pros: nothing can be recommanded
Cons: don't use their credit card!!!

Hey

Don't use CITI bank's credit card! It's my own story, and beware what they charge you. It's really happened on me.

Well this April I got CITI's credit card, and I schedule my card payment on early April, well my first bill should be due on 06/13, and next day I checked CITI didn't draft from my account, so I went to pay online, and next statement I got is they charge me late fee plus interest, and I called them to explain, their service person is rude, only tell me to choose pay my bill on time or just cancel card. Well that's what I did, cancel the card!!!

Pros: the way a credit card company should be run.
Cons: none that i can think of.

while dealing with any bank can be frustrating, i think my 15 year experience as a credit card customer at citibank is relatively excellent. although i suppose part of my experience is reflective of the fact that i use my card with them a lot, my recollection is that even when i was a "small fry" customer they were unusually forgiving about late fees and things like that (i've long maintained two different residences and even though i feel like it's my responsibility to check for missed bills when i'm away from my billing address they've forgiven the late fee several times over the years when i've missed a payment by a couple of days.) i also just love that neither their phone number nor their payment address ever changes!

Pros: No more than any other card.
Cons: Bad customer complaint resolution service.

Citigroup Mastercard has a confusing and vague customer-vendor resolution policy which results in complaints being resolved in favor of the vendors. In the case of a car repair, the service center misdiagnosed the computer code readout and proceeded to replace the wrong parts. The Citigroup Mastercard resolution department refused to intercede on behalf of the customer by playing semantics with language. They claimed that they could only decide in favor of the customer when there was faulty repair, not misdiagnosis. When asked to define the difference between the two, they were unable to. I have decided to cancel all of my Citigroup Mastercard cards. Customers should be aware, before they get a Citigroup Mastercard, that the cards are stacked against them (pun intended), and that they may not be protected from unscrupulous vendors. Other credit card services do a much better job in this regard.

Pros: None that I can think of.
Cons: Unethical business practices, and general incompetence.

Even if you do pay off your balance each month they will now charge you interest anyway. They have done this to me two months in a row. (Happy holidays to you too!) If you call them on it, they will take off the charges, but don't you have better things to do with your time?

Pros: No charges accrue if balance is paid in full
Cons: Extra charges would not occur with a 25 day grace period.

I had been using my Citibank credit card for purchase payments. I usually pay off my balance in full so I was outraged when I realized they did not offer a 25 day grace period unless the balance was paid in full. What this means is that the one month I did not pay off my balance, I had to pay finance charges for 2 months. I called the company to find out why I was still being charged finance charges after I paid off my balance in full and they explained why. I immediately stopped using that credit card and canceled it!

Pros: None. Just an average bank.
Cons: Short grace period (15-21 days, 1 week shorter than others) Long time to "receive" payments

I've had a Citicard for a long time, as well as about 5 other cards from various large banks. I have noticed that payments sent out to Citibank consistently take longer to be "received", and of course credited to the account, when compared to other large banks. This week, I sent out full payments to Chase, WAMU, and Citibank, on the same day. Chase and WAMU were credited in 4 days, over a weekend no less. But Citibank, 7 days later, still has not credited my payment. I think that they try to collect as much interest as possible, and try to grab a late fee and the resulting higher rate whenever possible.

Pros: Free benefit card (big deal: bigger profit to them)
Cons: Ruin my day, sacrifice my business. DON'T ACCEPT POOR SERVICE

I spent a shopping trip in San Francisco going out and...shopping. After half a dozen trouble free charges, I was denied a Nordstrom charge that required the store to make a phone call. After I spoke with the Citibank rep, the charge was approved.

I live in California, about 300 miles from SF. I was no where near my very big limit. Why was I hassled? Because the Bank guarantees the charge. I have no liability for fraud. So instead of asking for picture ID, or some other reasonable contact, they tried to protect THEMSELVES. Since they make big bucks, like in my normal year $5,000 profit to Citi on my $100K plus charges, why should I be inconvenienced and humiliated and have my vacation time wasted?

Needless to say, I will NOT be using their card. I am over 55 and have great credit and have lots of experience with free, benefit cards. This experience showed me that CITI is the WORST. Never had this experience with Providian, MBNA, or my credit union.

Pros: None
Cons: Customer service reps are rude and don't care.

Citibank is refusing to work with us on our credit card account after they are the ones who gave us incorrect info, which we acted upon. It's even in their notes. Now we are being charged a 32% usury interest rate that has caused us to go over our limit after working very diligently the past year to bring our account current after financial difficulty.

When attempting to discuss with supervisors, we were hung up on twice because they did not want to admit mistake. Now we are stuck with the results with no recourse as far as we can tell. Who has the money to sue such a huge company? And they know it.