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by daytrader1 , Jan 12 '02
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....
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by mtarasev , Oct 18 '00
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...
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by mom2mykids , Jan 20 '00
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...
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by kelly183 , May 31 '00
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.
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by pkock , Jan 18 '00
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...
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by mrssachs , Apr 17 '01
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...
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by pboy  - Top 1000, Jan 19 '00
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...
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by akacarrie , Nov 28 '00
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...
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by xrae , Jan 25 '00
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...
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by Nickaroni , Mar 09 '00
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...
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by belle97 , Apr 03 '00
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...
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by mareneli , Jan 24 '00
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...
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by Pyanfar , Feb 17 '00
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...
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by annaa1966 , Jan 28 '00
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...
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by MUGirl , Mar 18 '00
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:
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