Free cash, no fees, just pay it off!
It's simple. I pay this card off every month to a zero balance. I get 2% cash back on everything I buy. I use this now instead of my debit card entirely, and my annual cash back is well over $500. I also used it when they offered a zero percent promo on a balance transfer, paid that off within the 15 month promo period, so again, zero cost to me.
If you complain about their high interest rate on balances, you're doing it wrong, but I understand not everyone can pay the balance off every mo. In that case, get a card with a very low interest rate.
My credit limit went from $1500 to $3000 to $7500 to $15500 to $20000. I've had the card for 4 yrs. Website is super easy to navigate, online payments are processed instantly, and I've had no issue with their call center resolving any problems. Overall, I am very satisfied.
Just approved
I had poor odds on CK but was approved. 670 FICO TU at time of application. $1500 CL. Will be able to update about customer service, CLI, etc after have had the card a while.
For people who are new to all of this some abbreviations are not understood. For a review to be helpful you have to understand it.
What is your yearly income when receiving a CL of $1,500?
Great Cash back, Poor Customer Service
I never carry a balance and always pay it off. Cash back is awesome. Had the number compromised so ended up with a new card. Every time I've had an issue it takes 2-3 times to resolve the same issue. The customer service is a waste of time on the weekends.
Great Cash back!
Great card for everyday buys.
Great all around card!
I was on the fence about this card because of the bad reviews on the customer service end but decided to grab it anyways. When I first got it they gave me something low. I believe a 5k line. I applied for higher limit through their customer service the following week and got approved for an extra 10k on the spot. I've had no issues with customer service or the card itself. Great all around card!
What was you score when you applied?
so when they increased your limit - did they rechecked your profile second time by adding a hard inquiry?
Which bureau did they check?
Trying to deal with "custmer service" is a joke.
Don't bother applying for this card to do a balance transfer especially if it's a large transfer! It's not worth the hit as an inquiry!
I love this card
I love this card. I got it like 3 years back and only using this card for any transaction. Getting 2% cashback. I got the credit limit increased without Credit pull couple of times (because I have good credit score and dont miss any payments). I love citi bank on the security. They blocked one of Frauderant transaction on my card. I got call from citi immediately and they sent me new card.
Great perks, trash customer service.
My first purchase was 11 dollars for some medicine. My second purchase for gas, locally, was rejected for fraud reasons.
Call in, give all my info, and because some arbitrary text messaging thing "can't send" to my sprint phone, the card is further locked til I get some piece of mail from them.
2 years with Discover and Capital One, never had a single issue.
Absolute trash.
Love it!
Love the double cash back and with the Citibank price rewind program, I have saved a lot of money. I use this card for bigger purchases, send in receipts and before I realize it, I'm getting money back.
DON'T DO IT, CITI IS TERRIBLE
For the love of all things holy, do not get any citi card. They have the worst customer service I have ever experienced ( & I have 15 credit cards). Their website/App has been down for over a month & they just have been saying to try again in 24-48hours for weeks. DON'T EVER GET CITI.
Update your phone app browser!! Never experienced such thing as a 5 year citi cc customer