I paid towards my balance owned they took my payment then reversed it just to retake the deposit I didn’t realize they did that so by time they tried to recharge my card for payment I had already took the money off so they gave me a late fee returned check fee and closed my account for payment return within the 1st 6 months and I had already had the card for almost a year and they never returned my deposit or anything

Applied like credit karma told excellent approval odds Bull Mess . just took a hit for nothing ask how much credit limit said how much and denied

Paid my balance in full every month for 1 year and it remained a secured card. When I called, they said it will be reviewed after 18 months. There a lot of other options for secured cards that will be more beneficial. The points to get your credit established and setback on track. This card is a waste of time.

Applied 4/16 Submitted deposit 4/17 Deposit cleared 4/20 Account considered open 4/22 Received card 4/30

I applied for the Citi Secured card in June of 2019.. I only put a $200 deposit up since I also applied for the Discover It Secured card as well as the Capital One Secured card. I always kept a low balance on my Citi card, making purchases oh no more then $20 a month. Always paying it off in full before my statement closing date. When paying my bill, I paid it before 1pm using my checking account. My current balance always updated to $0 within an hour after I paid. By 10am the next day, my available credit reflected my previous days payment. I have had no issues since I've had the card. On March 27th I received a letter stating that my credit card account no longer required a security deposit, and I would be receiving my security deposit back,, and would be sent a Citi Diamond Preferred MasterCard. I have read a lot of negative reviews about this card, but I have I had no issues so far. So, as stated in a lot of posts about getting graduated in no less than 18 mouths is not correct. All I can recommend what is that you make sure make payments on time and keep your balance low.

After laying my balance in full they closed my account and then told me that it would take 2 billing cycles for them to return my deposit.

The card is decent as far as you pay for your available balance so in a sense its however high you want it, no annual fee. The catch is when you make your payment ( i just paid the full balance) the availability to use it isnt for 10-12 days after the payment has been processed, the money cleared my checking account and was posted to credit card and management said well there is nothing we can but forward a complaint. So even though i paid for the full amount i can not use my card for 10-12 days now. So if you get the card dont expect to use your money that they pull from your checking account within a day for a couple weeks, also the application process seemed to take forever to finally get the card

My credit went up only by 7 points when I oppened this account, It was supossed to rise my score a little more

Was great to increase my credit,? do not use over 30% of your credit limit,? make payments few days early,?