Credit Karma says my approval chances are poor, but I received a pre-selected notice in the mail, I applied and was approved in 30 secs with a CL of $1800. My card and pin quickly arrived via mail in 7 days. I had a question about my statement closing date and called customer service. The automated prompts are super sensitive and pick up every bit of background noise and it kept errorinf out making getting to a rep a more annoying than usual but once I got to a rep they answered my question right away. If it was a rep in India I couldn't not tell. The rep was polite and spoke perfect English. Approved with 7 medical collections EX - 636 TU - 682 EQ - 666
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Approved for a $1,500 CL; 690 TU/663 EQ score; one paid-off delinquency; somewhat limited credit history. My CK approval odds were listed as poor, but I had received 2 or 3 pre-approvals in the mail, so I finally pulled the trigger on the application and was approved instantly. Despite its rather pedestrian 2x points earned at supermarkets & gas stations, and 1x everywhere else, the Citi Rewards+ offers unique accrual mechanics that set it apart from the traditional "everyday card." Its Round Up feature means something like a $41 purchase could net you 50 points, or 100 points if at a supermarket or gas station. Similarly, anything >$10 is automatically rounded up to 10, which is especially enticing for customers like myself who frequently use a credit card to get rewarded for those small daily purchases like morning coffee. Plus, 10% of all points redeemed will be returned back to your rewards balance, so not only do points accrue rapidly, but they also go further... sort of. The allure of the Rewards+ card is marred by its lackluster redemption options. Even with its rather attainable introductory bonus of 20,000 points after $1,500 in purchases in the first 3 months, I find myself disappointed while trying to pick the fruit of my labor. There is a discouraging lack of partners in which points transfer to at a 1:1 value. You can use points to shop online at retailers such as Amazon, but each point is only worth .8 of a cent; similarly, using points towards a statement credit or to cover a purchase will only net you half a cent per point, and only a handful of purchase categories are eligible to be covered. Gift cards can be redeemed with points at a full cent per point, but they're an incentive I have little use for. Overall, the Rewards+ card is a great concept pigeonholed by the poor execution of its redemption program. For the niche customer who primarily makes sub-$10 purchases and uses a lot of gift cards, this could be a welcome addition in the pocket or purse. However, for the average cardholder, the restrictive redemption options and complicated exchange values leave this trailing behind the pack of better everyday options.
All member reviews (105)
I have a Citi rewards card. It was the most dumbest decision on my part. I have been paying it for five years almost 200 a month and it hasn’t barely gone down maybe a few dollars unfortunately I can’t pay much extra each month so I guess 200 a month interest on the $4500 card, it’s ruined my life basically that money to me I could use for a car payment I could use to so many other things instead, I have to struggle each month to pay this payment. I would never suggest this car to my worst enemy I wouldn’t. . My credit score is gone up a lot and they still won’t refinance it at a lower rate. Why would they? They would lose money? Try to help you lower the rate on their cards matter what your credit score is I can’t express enough how bad iit is don’t do it.
Their customer service is atrocious
I was a Citi customer for 10+ years, have multiple cards with low balances, and usually have a 750+ credit score. Citi is a company that will reduce your credit limit from $9000 to $1000 with no explanation, be un-contactable multiple days out of the week, and after tanking your credit score (for making only small purchases on their 29.99% APR card) give you only repeated 'I'm sorry sir's. Their interest rate is higher than their competitors, their customer service is worse than any of their competitors, and their points structure is worse than any of their competitors. Use ANY other company for credit cards.
Wanted a cc that would give me transfer balance. I got approved for only $500.00, when all my other cards have from 10,000 to 24,000. What Im I suppose to do with 500.00? Don’t apply…
Bad luck that i got into this card and this bank, i saw the bad reviews but i did not know its going to be that bad, zero customer service they dont even know how to help people keep sending you to numbers are not existing, i applied for this car with excellent credit and limit with low usage and they came back for 1k huh, called them said when you get the card you can call and ask for limit increase, called in and they dont even know how to assist kept giving me numbers to call which they are not existing Caused me a hard inquiry on my credit for something i would never recommend to anyone Stay away
I had two Citi cards, a Citi Rewards and Citi Costco card. They raised my limit on Citi Costco, then offer the Citi Rewards to transfer balances. I had not even finished transferring balances before they lowered my credit limit on both cards. My credit score when way down. Made my usage very high. I finally paid both cards off and closed them as fast as possible. That was April, looked on my credit report, shows I owe $8 on Citi Rewards, since I closed my accounts, I didn't have access to the one for some reason to even pay them their $8. Had to waste to look up the phone number and thank goodness was able to pay the $8 before I received a late fee. Also, I had never paid late on either card. I would never use them, never recommend Citi either. I told them on the phone when closing both accounts why, how lowering my credit, lower my credit score, I shouldn't have even wasted my breathe. Please take my advice, don't apply with Citi.
I have been approved for credit cards from bigger banks than citi. I actually bank with citi and love it. My credit score is average with great payment history. Citi bank still won’t approve me. I’ve attempted 4 times with 3 different cards and still they continue to deny me. Very unfortunate.
I had one missed payment on another card and now they keep reducing my credit, which pushed up my usage ratio.
I used this card for medical expenses. Had a $4000 limit, and for no reason it was cut in half. Only way I found out it was lowered was my mail order prescriptions were declined and I had to change cards. Never received notice that my limit was decreasing, or a reason why. I would suggest going with AMEX or Discover if you can. I have never had any issue with either of those.
I was going to use this card for a balance transfer and consolidate my bills (which aren’t much, just trying to up my score even more due to the process of buying a house). The perks were amazing in my opinion. I pulled the trigger with the application process after I had an outstanding chance of being approved. I completed application over the phone, lady told me I was only approved for $500.. I had 2 little loans out and a small balance on another card AND my credit score is an 800, $500 dollar line of credit. I won’t shut my card down as it will hurt my score but I will let them close it out for not using it.
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