Barely no credit utilization and even have the simplicity card that is great with them. They said I hd too many inquiries but I only had 2 or something like that and both were about to expire and be off my credit. I hardly EVER request a card but they flat dropped me on my face even w great credit and ck said I had excellent odds!
This card killed my credit score. (I have 2 of them) I've had the first card for a few years and enjoyed a high credit line (>$22K). They experienced a system issue and applied my payment late by 2 days, then used that as justification to kill my credit line (From $22K to $11K) and jack up the interest to their penalty rate of 29.99%. Phone calls were pointless as they readily acknowledged a system fault but insisted that nothing could be done. This put my credit utilization from 48% to 98% which torpedoed my credit score. The higher Int rate meant my $500+ p/mo payments were closer to minimum payments now. Credit line Halved. Utilization Doubled. Int. Rate almost tripled. Paid it off and put it up. The other one as well. Not letting a credit card company kill me like that. Customer service was a joke.
Stumbled upon this on credit karma, i had a cc with a $3500 balance charging me 80/month in interest. I applied and got approved for $4,600 right away which was plenty, went through the balance transfer process pretty quick and they only charged me $176 one time fee. Finished paying off the card thanks to $0 every month. The only reason i don’t give it a 5 star is because customer service was atrocious other than that really good experience with the card.
Customer service rated reward program all suck
Citi was great to me. 5,700 out the gate. Now American express if you can get aproved will treat you amazing
I have $88000 total credit limit with 4 cards with less than 30% utilization and opened this new one for balance transfer and they gave me $3000. They also denied credit increase without checking my credit and without giving me any reasons. My guess is because I just opened it. Not my first rodeo and this has been the worst so far. I have another citi card with a limit of $39200.
I applied I was approved for $7800 with good credit for 21 months no interest transfer
Received multiple offers in the mail to apply for this card with a 21-month balance transfer offer. Decided to apply to pay off a loan and was approved for a measly $500 limit despite just having my other Citi card raised to $12.5k
i WAS DENIED AN INCREASE TWICE. MY CREIT LIMIT WAS LOW SO I THOUGHT AFTER PAYING ON TIME FOR ALMOT 8 MONTHS, THEY WOULD INCREASE MY LIMIT. THEY DID IT ONCE FOR $500...REALLY! RUN RUN RUN
I’m happy for the 5k credit little they gave me. I got a Apple credit card with a high apr and this card saved me I completed a balance transfer of 4k ❤️
The only reason I have this card is because it's my oldest line of credit. Got it in college, and have had it at least a couple decades now. I'd say it's a decent card for building credit since I was able to use it without much issue when other creditors were more focused on my lack of credit. But the one time I missed a payment, there was *not* a modicum of consideration as far as a one-time courtesy waiver of the late payment. (Mind you the amount in question was less than the fee.) As an added factor, this occurred after years & years of consistently regular, on-time payments; sometimes I didn't even carry a balance. Needless to say, when I explained as much to the representative, asked her to review my payment history and reconsider: NADA. Because there are no rewards, features, etc. to using this card, after that incident, I only use the Citi card once in a blue moon when necessary to keep the credit line active since it is, as I mentioned, my most long-standing line of credit.
Do not apply for this card! I have an excellent credit score which is over 790, solid income, and a perfect credit payment history. They only approved $3k and I totally regret applying for this underwhelming credit card :-(
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