ClearwaterDreams

2 Contributions 136 People Helped

Member Since: July 2016

Most Helpful Contribution

Citi® Double Cash Card

Dec 24, 2019
Awful
Helpful to 135 out of 145 people

I applied for this card and was approved instantly for a $1500 limit which was shocking. I’ve now had this card for over 5 years and have worked my way up to a $3500 limit. I have two other cards; each started out much higher than where I am now and both have over $20k limit. I asked for an increase once and was automatically declined because of a missed payment. I’ve never missed a payment or made a late payment. I applied again and was automatically declined because my score was too low. It was 747 at the time and my limit was $1800-I already had the two other cards over $10k at that point. So I put my car insurance and gym membership on the card this year and let it auto pay. It was going well and they bumped me up to $3500. Yay right? Well the next month, I get an email that I never paid my bill. But it’s on autopay so that’s weird. Sure enough, autopay was still on but they never withdrew the funds. So I got hit with a $25 late fee and a ding in my credit. I paid the card off and locked it. I will let it sit until they cancel it but I do not trust Citi and have no idea how the card rates so highly when they have consistently screwed me over the length of time I’ve had the card. I’d suggest Chase and Discover—I love both of my cards with them and have never had any issues.

Activity (2 Total Contributions)

Citi® Double Cash Card

Dec 24, 2019
Awful
Helpful to 135 out of 145 people

I applied for this card and was approved instantly for a $1500 limit which was shocking. I’ve now had this card for over 5 years and have worked my way up to a $3500 limit. I have two other cards; each started out much higher than where I am now and both have over $20k limit. I asked for an increase once and was automatically declined because of a missed payment. I’ve never missed a payment or made a late payment. I applied again and was automatically declined because my score was too low. It was 747 at the time and my limit was $1800-I already had the two other cards over $10k at that point. So I put my car insurance and gym membership on the card this year and let it auto pay. It was going well and they bumped me up to $3500. Yay right? Well the next month, I get an email that I never paid my bill. But it’s on autopay so that’s weird. Sure enough, autopay was still on but they never withdrew the funds. So I got hit with a $25 late fee and a ding in my credit. I paid the card off and locked it. I will let it sit until they cancel it but I do not trust Citi and have no idea how the card rates so highly when they have consistently screwed me over the length of time I’ve had the card. I’d suggest Chase and Discover—I love both of my cards with them and have never had any issues.

Citi® Double Cash Card

Dec 24, 2019
Helpful to 1 out of 1 people

I forgot to add your point to my review. I pay my card off monthly yet I am charged interest. Utter nonsense.