Very bad experience, ask tons of docs, miss the deadline, lie to you, worst company ever.
I should have known when the store had trouble signing me up for this card when I bought a laptop computer. I spent over 30 minutes just trying to log in to pay the bill. I had to make 3 calls to customer service for log in assistance and finally got so frustrated, I asked if there was a charge to pay the thing off over the phone and be done with it. They also have the highest interest rate of any card I own. 24-something percent! I would not give any stars for this card, and I don't plan to use it again!
HP for CLI, low starting limit, increase on recon or after 6 months.
For all the negatives - look closely at these reviews, every negative review has the same exact sentence in it: "i was dumb and didnt pay my bills for reason X, CITI RUINED ME"
Pay your bill and nothing bad happens, idiot.