I’ve had this card for a few years now. It’s definately not my lowest interest card but it is the highest limit. It gets raised fairly easily. The most impressive thing however is the dispute center. I had a charge that I didn’t recognize, clicked the blue dispute button online, and bam, I got instantly reimbursed. No phone calls, no hassle. Just done. Very impressive.
Worst customer service I've ever had from a credit card company in 30 years of having multiple cards. They claimed there was another person on my SSN (big surprise to me, having just easily re-financed my jumbo mortgage), then sent me a verification form to complete, which I did and sent back. I called later when they still declined the card and they said it looked like someone had "tampered" with the form I had mailed them (whaaa?) and said they would email me a copy of what they said was tampered with. They never sent it nor the second form they said they would have my replace the "tampered" one with. Fed up, I'm trying to cancel it and they won't let me, saying that the account is "on hold." NOW they're claiming that the form I sent it was "incomplete" (as oppose to the "tampered with" they claimed the first time around). When I asked, "how is it legal to keep me locked into a business relationship with you when I wish to end it?" they countered that I hadn't "properly identified" myself over the phone even though I had called from the phone number on my account and given every password they had asked for. How do they identify people over the phone -- take a retinal scan through their phones? Now I feel even more vulnerable than ever, being locked into a relationship and an open credit line with these incompetents that I can't end, until THEY decide that they will cancel the account on February 3rd. How is this even legal?!
These reviews were written by current and former cardholders in the last year.
Sample Size: 585
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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Great
They automatically increase my limit every 6 months
Dont waste your time
After denying my perchase while out of town for businees I try to solve the problem on the phone and I get hung up on4 times then left on hold forever What ever you you do dont make a $100 charge on a $4k account thats paid off or you will be denied. Dont waste your time customer service is a joke
Super dope card.....
Equifax 682 TransUnion 692 Experian 672 fair odds RECEIVED $10,000 CLI. I really don’t think they know. Credit Sesame said fair odds and CLI $3,000. GOOD LUCK🤸🏽♀️
Pre-selected offer with Invitation #
I applied for this card today with a 680 EX Fico 8 score, 660 Equifax Fico 8 and was approved for $500. They hard pulled both and I am in TX. Just putting the data points out there for anyone looking for info. I will update after I have used the card enough to judge fairly.
Best cash back card! 2% cash back on every purchase, no limit on how much you spend and no annual fees!
the monsters at Citi
I have had this card since 2008 before they converted my account to this doubld cash it was the dismond card. Back in march my daughter had an accident and the medical bills cleaned out my 401K, savings etc with medical bills. I have had to max out ALL my cards. citi. amex. chase. etc.... Now that i have reached a legal settlement and I am beginning to be able to repay all my debts citi is DECREASING my credit limits on my cards with them AS i make payments! I have had them for 11 years and out of 3 months of me needing to charge on their cards this is what i get??? NONE of my other lenders have touched my credit limits! They see that my situation was TEMPORARY out of the years and years of me doing business with them. I will be CLOSING my 3 cards with citi as i pay them off. THANKS FOR NOT BEING THERE FOR ME WHEN I NEEDED YOU CITI!!! Horrible horrible bank. They will TURN on you the second you need to use their card.
its great
So far it's been a great card, no annual fee, easy application process, generous credit limit, approved within minutes. Score of 726.
Great
It's great so far.
Crazy approval for 1K
I cold turkey applied for this card and was denied. A week later, I got a offer in the mail and was approved for 1K. My score was at 688 and 695 when approved. The sneaky way to know you're preapproved is if your mail offer has a invitation code and the APR is a solid number not variable or if it has a solid intro offer of no APR for X amount of months