I never received my 1st credit card in the mail, so I ordered another one. The 2nd card arrived after a month and was immediately locked by the fraud team. Their support team asked for a # to text to unlock the card-I tried the number I set the card up with, and then another three numbers (each from a different carrier) each number I gave them was ‘not authenticated’, but they wouldn’t tell me what that meant. Turns out the only way Citi can unlock a card is if they call your ‘home phone or landline’ (is that even still a thing?) or mail you another letter. Now I know what you’re thinking…what about the code word and the 4 security answers I already set online? What about the fact that I already confirmed my phone number for 2fa while setting up the card? Nope, doesn’t matter. What about confirming publicly available data like cars and old addresses like most cards do? Nope, that isn’t an option either. Curious to see if I was losing my mind, I Googled this problem, and it turns out there are literally THOUSANDS of similar stories out there. So now I’m waiting on my letter in the mail. By the time it arrives I’ll likely miss my bonus spend window. I’ll cancel my card and take my business elsewhere.

Declined 8/10/23, excellent odds. 9/2/23 pre-approved offer by mail, Declined. 2 Hard Inquiries, diff credit bureaus. 3 more pre-approved Citi offers since! Reporting to CK and appropriate consumer agencies.

I have Had so many credit cards. Reps don’t speak English well so you can hardly understand them. If they offer you a bonus you may not get it awarded to your account. I had to call twice on two Separate billing cycles and still don’t have mine. An apology is no longer enough in the world of screw ups regarding banking and travel, people. We are speaking thousands of dollars and you can’t even expedite an award much less make amends for mileagethat your airline affiliates fail to transport us on. Your awards are not worth the stress.

They sent me this card for months in the mail because I’m a frequent flyer with American airline I never really looked into it due to the annual fee but recently I needed a travel card and shopped around and I realize the annual fee is basically paying for my bags on the each trip when with this card your getting your first check Bag for free I fly more than 6 times a year. I took my chances and applied and was approve for $13.100k pretty good limit if you ask I have other good cards like Amex and discover! My odds were very good on credit karma too. I haven’t received or use the card yet so let’s see how that goes.

still denied with great approval odds

Introduction: In my quest for an ideal credit card, I found myself entangled with the Citi AAdvantage Credit Card, primarily due to its affiliation with the American Airlines loyalty program. However, my experience with this card has left much to be desired, particularly when compared to the exceptional service offered by competitors like Chase. This review aims to shed light on the issues I've encountered, with the hope that both prospective cardholders and the Citi team can benefit from a more informed perspective. 1. Deficient User Experience: One of the most glaring shortcomings of the Citi AAdvantage Credit Card is the lackluster user experience it offers. In stark contrast to my positive encounters with the Chase World of Hyatt Card, using the Citi card has proven to be an exercise in frustration. The issues I've faced have undermined my confidence in the card's reliability. 2. Credit Limit Challenges: One of the most baffling aspects of the Citi AAdvantage Credit Card is its unusually low credit limit, especially when compared to competitors like Chase. This limitation has made using the card significantly more cumbersome. Even when I pay the card balance in full, there's an inexplicable delay in releasing the hold on the credit limit. This discrepancy between the online app display and the bank's actual assessment of available credit creates a confounding and inconvenient situation for cardholders. 3. Misleading Available Credit Information: The inconsistency between the online app's available credit display and the actual available credit is a cause for concern. This discrepancy can have serious consequences, as I discovered when attempting to pay for my college tuition. Believing I had sufficient available credit, my transaction was rejected, resulting in multiple failed attempts and blocking of the university's system. 4. Frustrating Customer Service Experience: My attempt to resolve the credit limit issue through customer service proved to be a frustrating ordeal. During my interaction with Citi's customer service, I encountered multiple challenges. First, the call dropped, raising suspicions of intentional disconnection. Subsequent calls led to me being transferred to a specialist who could not address the issue due to the bank's closure. 5. Limit Increase Restrictions: Attempting to mitigate the credit limit problem by requesting a limit increase was met with further frustration. I was informed that I had to wait an additional two days, just short of the required six-month period since my last limit increase request. This policy effectively blocked my efforts to make the Citi AAdvantage Credit Card work for my needs. 6. Inconvenient Blocks for Big and International Purchases: A notable inconvenience with the Citi AAdvantage Credit Card is its tendency to block transactions for significant or international purchases without prior notice. This practice diverges significantly from the seamless and automated process offered by competitors such as Chase. Ideally, a credit card affiliated with an airline should be tailored to the needs of travelers, facilitating international transactions effortlessly. 7. Automated Alerts vs. Unexplained Blocks: Unlike the user-friendly approach employed by Chase, where automated alerts and text messages are sent to confirm or authorize transactions, Citi's practice of unexplained card blocking has created unwarranted hassle for cardholders. The absence of timely communication and the expectation that customers initiate contact for every large purchase contradicts the very essence of a credit card, which should be designed to simplify transactions for users. 8. Balancing Security with Convenience: While security is of paramount importance in the world of credit cards, the key is to strike a balance between safeguarding transactions and providing a user-friendly experience. Citi's current approach leans too heavily towards security at the expense of convenience, frustrating cardholders who expect a seamless and hassle-free payment process. In the context of international travel and significant purchases, Citi's practices fall short of expectations, undermining the overall appeal of the Citi AAdvantage Credit Card. These issues further emphasize the need for improvements in the card's functionality and user experience to align with the demands of modern credit card users, especially those who value the convenience of international transactions and making substantial purchases without unnecessary interruptions.

don’t risk your credit rating w/this card. Credit Karma says excellent approval odds only for me to be turned down. I don’t care if i wasn’t approved but I do care for the hard pull on my credit that I worked to build on.

I ended up cancel the card shortly I received and activated.

I had this, and 3 other Citi cards, and a bank account with them, after having been with them over 3 years, and spending hundreds of thousands of dollars without having had any balances at the end of the month they decided to close my bank account, then followed up by closing all my Citi credit cards without even an explanation even after giving them a formal request. They had the nerve to try and hold my $3,800 after closing my account after over a month of back, and forth they finally deposited my money into one of my other bank accounts. Never again will I deal with Citi Bank, and or any subsidiary they own.

I rarely apply for credit cards. I applied for this specific card for the American Airline rewards. I was approved instantly and received an email stating I would be receiving my card in 5-7 business days. 22 business days later? Still no card. Over several days, I spoke to 4 different customer service representatives. Same question. "Where is my card?" I got 4 different answers. 7 business days go by after that, no card. After 30 business days, I received the card because they finally agreed to send a "new" one. I demanded express delivery. They came through. The funny thing is is that they told me twice they would send one out with express delivery. Never did receive the first two. Now I tried to set up an online account. "information does not match our records." I tried with the CITI App, I tried on their website. Same error message. Worst experience EVER.