Citibank

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...