Applied for card-declined, excellent CK odds 8/10/24. Month later received pre-approved offer by mail-NOT APPROVED 9/2/23. 2 Hard Inquiries: Experian &Equifax. Called numerous times; when get a LIVE PERSON still get nowhere. 3 more pre-approved Citi card offers since! Reported to Consumer Financial Protection Bureau & filing a complaint w/ Dept of Treasury Comptroller's Office (has 180pg handbook for banks/CC companies w/ specific soliciting campaign guidelines & regulations to follow. My situation is the definition of bad practices.

This card is great applied for it and approved in 60 second's Great for Balance Transfers very nice to talk to real person and very fast to help me no waiting for Minutes came right on and done with in 5 minutes zero interest for 21 months on Balance Transfers Great Card !!!

It says my chances are excellent with a 720 credit score and still denied in seconds with no reason given.

Reduced my credit limit from $6900 to $750 overnight due to a "recent review". This is supposedly because my balance was too high. Note that I had used close to their maximum and paid every cent back and at the time of the "review" my balance was around $600. Never missed a payment, but somehow they thought I was a risky borrower? There's no question in my mind that the people behind this are incredibly poor in judgement and possibly deceitful. I would advise anyone I care about to STAY AWAY. I am never going back to Citi.

I see so many negative reviews. I dont know why. I applied and was INSTANTLY approved. I received a generous 10,000 limit (only 750.00 available as cash advance). However customer service has been very good. I was charged 68.00 for something I didnt purchase and CITI stood behind me and I got my money back. This card is NOT for those with LOW credit scores (CITI BANK doesnt like Low scores) and if you have MISSED payments you will not be approved or any delinquent accounts. A credit score of at least 750 is needed. Mine is above that with all reporting credit bureaus.

I have great credit and and make over 80,000 a year and was denied! Do not apply for this card!!!!!!!!!

Been really working on my score, got it up to right at 700. Received a pre approved letter in the mail. Gave it a shot, and was approved for 3.6k will look for an increase after a few months of use!

I submitted my app, got the approval, received my card & when it wouldn’t allow me to register for an online acct I called them. THEY HAD THE LAST 4 OF MY SSN WRRONG!! It’s been three days of trying to gain online access to my account. But it spends just fine.

great card, got approved for initial limit of 5,7k. Less than 2 years of credit and about 72k income. I do have cc with other banks and have banking accounts with Citi. after 11m, i asked for credit limit increase and got approved for 10,7k.

I don't understand the complaints about this card. I usually use it for my grocery purchases and get 5 percent cash back. Can't beat it, and mine came with a $300 bonus.