I have had the Citibank Visa card for years. I am in the process of finally trying to pay it off. I just got off the phone with a customer service manager, who was a male and spoke down to me like I was an idiot. My bank had to mail in my payment check, due to their online process being changed without notice. They did not process the check on the date that was supposed to be processed on, therefore I did a stop payment through my bank. The payment still got processed a few days later by Best Buy. The man tried to argue with me stating that the payment was processed on the original date on the 12th, in which nothing was posted digitally till the 16th. I felt completely spoken down to and it was completely unprofessional, and he was a manager!! The worst tele-customer service ever.

I was approved for the platinum visa with a $10,000 credit limit. The 5% back in store credit is a really good rewards rate. Whenever I need new appliances I buy them at best buy and pay in full at time of purchase which gives me 5% back in store credit which is often enough to get a couple video games for free. The negatives about this card is you can only redeem in increments of $5 while the target card gives you 5% off immediately at purchase as well as the fact that the mobile app for making payments isn't very good. I keep this card due to the $10,000 limit being great for my utilization rate on my credit score and because the rewards rate is really good.

Avoid this card like a plague. If I could rate it zero, I would in a heartbeat. If you have to get it, make sure you pay your promotional balances first before using it elsewhere, otherwise, your payments won't be paying for the promotion until you start accruing interest. Plus, the customer service is rude and the worst. Just keep away from this lot

Well after reading these reviews I can say I'm not as upset as I was earlier today. Was a BestBuy customer with the Visa credit card for 3 yrs . Never had an issue. Paid off my card on 3/20/2020 and never received the credit back on the card. They never put the credit back on your card immediately for some reason and you usually have to call to get the funds released, so I sent a message to them via the app on 3/23/2020 (because their customer service hold time has been atrocious lately) and never received a response...fast forward to 3/25/2020, I get an email at 5:34am advising that my account had been closed due to a "review" of my account. Hunh? I immediately called them first thing at 8am. Got a nasty rep who could care less about reviewing my account and simply stated my account was not "renewed" and that I'll be receiving a letter with a number to call. I told her repeatedly that the letter was already sent via email and said nothing about a "renew", in which she rudely interrupted and reinterated what she had already stated. I asked for her supervisor, supervisor transferred me to another department, who advised that my information had been "pulled" and the decision was made to close my account. Mind you, this was AFTER paying off my card 5 days prior and has also taken place during the Coronavirus pandemic. I spoke with a rep named Kyle in corporate who was absolute garbage and did not help at all, referring me to Citibank instead . I've never missed a payment with them, and have great credit history so this makes absolutely no sense. Something else seems to be going on with this company and I will never get another card or do business with them again. Beware.

Best Buy Credit Card has probably the worst customer service I have ever experienced! I understand the 30 min wait times during this crazy corona virus, but what I couldn't stand was how no one was able to solve my issue and all my answers were conflicting. My credit card was declined making a purchase and it was apparently due to the fact that no one could Identify me. I spent a good 4 hours on 5 different calls. I was in the store had my license, had them verify my phone, email, social so they could pull me up, they gave me the green light to make the purchase yet when I tried again, I was still declined. I had well over the credit to make the purchase, I had everything verified, all someone had to do was push the unlock button and I could make my purchase. No one was helpful. I asked for a supervisor and I they told me they couldn't do anything anyways. I was treated poorly and wasn't treated like a person. I will be closing my card and there will be no reason to go finance with them again. They claim to have good financing options but what is the point of having 0% financing, if they can't help their customers?! I ended up using a different card. 0 out of 10!

I applied for a Best Buy card to finance new applicances for the home I purchased one week ago. My application was ultimately rejected citing too many recent inquiries. The inquiries were all related to shopping for a mortgage loan during the previous month. The rejection letter indicates that you can call to speak wtih a representative if you have questions about the letter, but the phone number provided simply recites the same information shared in the rejection letter without any means to speak with a representative. I called through a corporate number and was connected to a friendly representative who reitered that the mortgage inquiries triggered the rejection and that there was no way for a human to reconsider the application. I have excellent credit with low credit usage. I obtained financing (zero interest promo) and purchased new appliances at one of Best Buy's competitiors. Not only will I avoid Citi in the future due to this experience, but they also cost Best Buy my business.

I purchased two plane tickets on my credit card. Then had to cancel my flight. American Airlines did me a nice courtesy by refunding my tickets. The credit card company won't remove those charges. They claim AA denies the claim, But every time I call AA they say the money was refunded. I even sent the credit card company a receipt from AA showing the tickets were refunded. This stolen money from a single mom!!! No goods or services were received yet nearly $1,000 has been taken by this credit card company. Shame on you!

I went into Bankruptcy Chapter 13 in February 2019, the same month i applied for, and got approved for 1k starting limit. I had excellent credit history up until filing Chapter 13. Reason i went into Bankruptcy was because I ended up with way more debt which ended up with paying out more in minimum monthly payments than i was earning and bringing in monthly. I closed all of my zero balance credit cards after hiring an attorney for Chapter 13. I forgot about this card until it came in the mail the same day i had my meeting of creditors. I took this Best Buy Visa card, unpened to my attorney. He told me that he was fine with me keeping it but that it would end up being automatically closed per Citibank. Months went by, and my account ended up staying open. So i told my attorney that Citibank ended up keeping it open and that if it was ok to use it to pay for tank of gas or a small grocery bill and pay it in full each month. He said it was fine. So, up until today, October 24, 2019 this card remains open and i use it once a month and pay it off, never leaving a balance. It has been over the 6 month periord where I read on other forums that Best Buy Visa/Citibank does auto credit limit increases. But, so far, I am still at 1k limit. I wonder if at the one year mark, it will auto CLI or if it may end up being closed if they run my credit report randomly....my current credit karma scores are like around 668-672, fyi...

If you are LGBT, I do not recommend this card. Twice now I have had my card wrongly blocked because of "fraud." Despite me passing their one time pass code, I have had my card blocked. They refuse to let me speak with a supervisor, and put me on hold for nearly four hours. (The call lasted four hours and six minutes.) The first time this happened, I filed a BBB complaint. It has happened once again, so I will be filing a lawsuit to seek punitive damages. Being transgender, they place fraud alerts because my voice doesn't match my name, even though they should have on file that I'm trans. (I made it a point in my BBB complaint.) I have never failed their authentication. this time I asked for a credit line increase. They pulled my credit, and then three times told me they couldn't pull my credit. When I refreshed Equifax and told them I had a hard inquiry, they changed their reason to needing to call me for a fraud alert. They said they wouldn't call me because they didn't have a number to call. Equifax told me this wasn't necessary as I'd lifted the freeze, and they had provided Citi with a number. They said Citi Bank was incorrect, and to call them again. I have been unable to get in contact with anyone at Citi who is willing to help me. Today, I found that not only did they not process my increase, but they also blocked my card again, so I can't even use what I'm already authorized for.

I apply for this card and was approved for 2K limit and the card was shipped and my account is under review for no reason !!! I called and a female customer service told me I have to wait for a letter in the mail....