Citi® Platinum Select® Card

I have had this card for several years now. Never late on my payment, and several spells of carrying $0 balance. My rate has went up consistently every year, not sure why. They did increase my credit limit last month (unlike other's comment where they decreased it).

I have had this card for about 4 years and have always paid the balance in full each month. Two months ago I submitted the payment after the cutoff time on the same day it was due, so it posted the next day. I didn't think this would be a problem since I have NEVER been late on a payment, but on my next statement my interest rate skyrocketed from 9.24% to 29.99%! I called them immediately and they said they would have to investigate it and they would mail me a letter with the results. A week later I get a letter that simply tells me to read the terms agreement about late payments. Needless to say I will NOT be using this card any longer.

Great card if you know how to negotiate with card companies.

I've had this card for around a year. My interest rate started at 16% and is now 9.24%. I care more about the interest rate and fees than the customer service, since all card companies have terrible service. Easy and well formatted online services... My best card, far better than discover or capital one.

I've had the card for quite a few years and never had any problems with it. Never been late, so do know about rate increases. I did have fraud charges one time and they were great about getting it off.

I've had this card for two years and have had no issues listed above, like any credit card pay on time. As far as apr's mine has been lowered the higher my FICO gets. No complaints here the only card I use now. Along with great rates and service I routinely gets limit hikes which all that does is give me a better FICO score.I guess it a great card if your responsible enough.

terrible rewards

I had two fantastic citi cards w/ APRS of 6.2 and 7.2 (down from 8.99).. never a late payment and i always had a great history with them.. with the current economy they then jacked up the APRS to 14.99 and then some. I've paid both off and will no longer use them.

I have had this card for over a year now. I like the rate and the minimum payment is consistent every month, and it's never to high. The first guy is right, one late payment and the rate is through the roof. I made a late payment accidentally and my rate went up to 28.99%, BUT, i called them after i looked online and saw it and they were very helpful and actually lowered it down below my original rate.

Slow response time to application. Turned down through apparent lack of credit. Apparently they only use Trans Union. Automated response, no sign of human life in application.