My father who pased away on Dec 7 was a member for CitiBank credit card for 30 years never made a late payment and had incredible credit. He had mailed a 300 dollar payment on December 5th (actual amount due was 97.00 Dollars. I called them on December 11 to tell them of his passing and wanted to find out what my mother and I needed to do about paying thi off. They told me to mail them a death certificate and we would go from there. On December 21st my mother got a call from a collection agency wanting the balance by the end of the year. My mother was extrmely upset they had never had a cll from this type of establisment. I called Citibank and asked them what had happened that they would end my fathers account to an agency. They tried to tell me that this company was not a collection agency but the people that called my mother said they were, citibank said that this is how they operate with accounts of members that have passed away. Bottom line is this company has NO RESPECT for a member who had been with them since 1981 and I cannot think of one reason to give them any business again.

Customer service awful, only interested in selling you more products for the commission, website intentionally confusing to encourage late payments/fees. Do not get this card.

1. Customer reps are courteous. That is the ONLY good thing I can say about CITI at this point. Unfortunately for CITI, "courteous service" and "customer service" are not interchangeable terms. 2. Customer service representative are not knowledgeable. One receives different answers from different people. At this point I wonder if the representatives just tell customers what they want to hear and then move on to the next call. I literally received COMPLETELY incorrect information more than several times. The customer service representatives do not understand the manual that is in front of them. They do not know their how their own automated system works and the system is buggy. Good luck with that. 3. They will say they are turning you over to a supervisor but they do not actually do it. They simply turn you over to another representative. Get names and IDs. After 10 days of dealing with them, the last person I talked to said I had never talked to a supervisor--she said she was the only supervisor I had talked to according to the records. In reality, I asked for a supervisor every time. Who were they turning me over to?????? Again, they seem to try to pacify customer by lying. Customers are not stupid; the general ineptness of CITI customer service representatives is obvious after a few phone calls. In my experience, there is only one other company (an automobile manufacturer) that has rivaled CITI in poor customer service and they are now bankrupt. I expect CITI will be there within 5 years.

I have had nightmares dealing with the horrible non english speaking reps from Indonesia. I must have had 45 problems with the card in the last 3 months. They keep repeating the same mistakes and never seam to be able to fix it. DO NOT GET THIS CARD AS THEY ARE INEPT!

review of my business expenses charged to my card

I was self-employed and due to the recent turn of the economy I am now unemployed since the end of December.I was paying them regularly until December and then I got behind on my payment because I didn''''t have enough money to pay them. I told them I could only pay a certain amount every month and they said that is not enough. I even told them I have no income coming in and cannot pay them and the last thing that came out of their mouth was when can you make a payment (I even mentioned I have an autistic son).Now it is at a collection agency and I have been told to ignore their calls (by a credit counselor) because all they''''ll do is argue and I have no money to pay them.I can''''t get a regular job because my son is autistic and that is why I was self-employed so other than that I have has enough of Citicard not listening to their customers. They shouldn''''t have accepted the application in the first place if I was self-employed and asking the applicant their annual income and not the household income. There''''s just something not right there.I don''''t recommend this card to anyone at all.Stay away!

I appreciate phone calls when they suspect fraudulent use of our card. Once they were right- someone stole our number and was using it for items we''d never buy, like skateboards! Also, I can call them at 9 pm on a Sunday evening (*or* anytime) and speak to a real live person, who is usually quite intelligent and helpful.

So incompetent the usual 20 second automated phone activation of the card turned into a one hour, irritating ordeal in which 3 different people were not able to handle the extraordinarily simple matter of activating the card. No wonder Citigroup's stock is at a ten year low. I spoke with someone in India, Phillipines, and U.S. Not a single competent Citibank employee in 3 continents? Terribly irritating!!

Citibank recently informed me that my credit card number may have been compromised by a merchant. They said they wanted to issue me a new card and account number. Because we have our card number on file with many service providors who bill the card directly monthly (internet, cable tv, newspaper, etc.) we declined a new account and told them unless there was fraudulent use of our account number, we'd stick with it due to the major inconvenience of notifying all the merchants of the new number. The last time this happened it took 6 months to get all the accounts changed over. A Citibank supervisor said it was OK, but we would get calls from time to time asking us to change to a new card #. The calls started the next day and continued everyday. I spoke with supervisors who hung up on me. I asked to talk to higher supervisor and was told they don't talk to customers. I explained I would drop my account after 20 years as a customer if the calls continued. They said OK. I now have a USAA card and am quite happy. Citibank lost a $75,000 a year charge account customer.

My check was converted to an "electronified check" by Citicards for payment in March of this year. My bank statement shows that it was debited from my account. I even spoke with my bank and got a control number that is generated by Citicards when they make the debit. I called customer service to give them the control number so they could check with THEIR accounting department, as the control number came from THEM. The following week I receive a form letter saying that the information I provided does not suffice to properly investigate the problem and that I needed to send them my bank statement. I did. And I also called customer service and got a fax number to South Dakota. I faxed it twice. Every customer service rep tells me to send a copy of the front and back of my check. There is no copy. They "electronified" the check to debit my account. They keep referring me to my bank, but it's Citibank that initiated the payment and should have all the information regarding my payment. Where did my payment get posted then? I keep calling to find out if they've received information that will suffice for their investigation to come to some kind of conclusion, but I keep getting a different answer every time I call. One customer service rep says they'll connect me to the "payment investigations" division. The next time, I'm told that there's no direct number to such a department. It's utterly frustrating. And to think that I had made all my payments on schedule and in full! So, I've paid twice to avoid generating yet more late fees and interest charges, but now I can't get my duplicate payment back. I'm trying to find out if the information I've provided suffices because another letter states that if they don't hear from me by June 10, 2005, they're keeping my money! How's about that? I have since cancelled all Citibank credit cards in my possession. Who needs the headache? Do not get a Citibank credit card. You'll be sorry if you do.

We lived in England and Spain for the past 3 years and used the Citi Advantage Master card for all our credit card purchases. We advised Citi by email of the fact that we were living abroad and notified them when we were traveling. Despite being warned of our travel plans, Citi repeatedly blocked our cards without any email notification in advance. In October we settled in Minnesota but we continued to buy merchandise from England and Spain and advised Citi of this fact. Nonetheless they continued to block purchases from time to time without prior notification. My husband complained to a Citi customer service person that our emails to them were being ignored and I sent a very stern message to them which went unanswered. We can't help thinking that they didn't care to keep us as customers as we pay our credit card bills in full every month and other than the annual fee,they don't profit much from our account. We've applied for a different card.

I sent a payment ontime - they posted it incorrectly and then put my account into delenquent status, sent it to a collection agency (for 1 payment that they did not post as $125.00, they posted it a $25). I started getting calls from a collection agency, then a letter from Citi saying that they reduced my line of credit due to a credit report of late payments on other accounts. I have no late payments on any accounts for over 6 years since my divorce. I finally got them to fix the error because they still had the check and did see that it was their fault, the used it as a debit card and they posted $25.00 to the account when the cheque was clearly written for $125.00. I am still awaiting a letter that they promised to send admitting the mistake and saying they were restoring my interest rate back down to the lower lever. But they will not admit the mistake with the credit level. I will be checking my credit report and if Citi has reported anything in error I will be seeking legal action. No one called me back as promised during this time, no one wanted to take responsibility for the mistake. The collection agency was the only one that stopped calling immediately about this so called delinquent account. I am not happy with Citi Bank or the people I dealt with.

My Citibank card was the first credit card I ever had. I got it back when I was in college. At that time, I would make minimal charges (gas, etc.) and just pay it off every month to build my credit rating. As these days of financial bliss came to an end, and I had to start carrying balances from month-month (by this time I had other cards as well), Citibank was there. With virtually no credit history (other than a checking account I had since I was 16, paying 1/3 rent of my college apartment, and the charging I had done each month and paid off), Citibank offered me a 3.9% rate for the life of the loan. I immidately took advantage of this offer, and transferred all of my other balances to Citibank for an amount somewehre in the neighborhood of $7500-8000. That was back around 1999. It is now 2005, and I still have about $2000 remaining of that balance. I have never in this time had any issues with Citibank customer service. Bottom line is, be responsible and pay your bills on time like you should, and the monster doesn't come knocking at your door. Now, I have not used my Citibank card for purchases at all since transferring balances to it at 3.9% as I didn't want to put any charges on there that would be charged at the standard purchase rate. However, the only complaint I would have is that in this time, my interest rate for standard purchases has risen to somewhere around 15%. As all of my other cards are 9% or below, I will not be using this card at all once I have paid the remaining $2000 I still owe at 3.9%.

I just received a change notice indicating that CitiCards will charge a 3% "finance charge" on all purchases in foreign currencies. Customers beware: this feature will materially increase the cost of everything purchased with this card overseas. Since use of the card while travelling is a major reason I have it, this is a big problem for me. I will lodge a complaint, but I'm not optimistic that the change will be rescinded.

I got my Canada Trust Mastercard in the '80s. When Canada Trust merged with Toronto Dominion Bank, Citibank took over their Mastercard business. My account transferred to Citibank Mastercard and a new card issued. I didn't think that was a big deal. Wow, was I wrong! June 2004, I had the occassion to request an increase in my limit in order to purchase a vehicle. The customer care guy on the phone didn't hesitate. My credit history was impeccable and the increase approved for use the following day. He told me a new card would be sent to me but that the change was in the system and I could go ahead with a money advance through a Bank of Montreal branch without a problem. The next day, I did go to the Bank of Montreal and the staff there spent the better part of an hour on the phone trying to sort things out for me. Good thing I live in a small town or that effort would not have been applied. It did not, however, yeild an advance from Citibank. The various Citibank reps that BOM staff and myself spoke with could not authorize a cash advance despite being able to verify my identity & the presence of enough credit in my longstanding account with Mastercard. In the meantime, arrangements had been set in motion for my vehicle purchase. They had to be changed while I sought another avenue for funds. Bank staff were inconvenienced. I lost work time. It goes on and on. They even have the gall to continue sending invoices for something under $10dollars. This after I phoned for the balance and sent a cheque for that amount. Ridiculous!! I should be invoicing them for my work time lost and the aggravation the cost me through mismanaging a simple request. I was very disappointed and closed the mastercard account the same day. I would have assumed there were better practises in place to protect Mastercard's reputation among its users. I found Citibank to be a POOR manager of my mastercard account. Too bad. I am now a Visa convert.

For years I stayed with Citibank becasue of their excellent customer service, and reasonable grace periods, but not anymore. You leave on vacation for 2 weeks with all your bills paid and come home to you Citibank bill and 13 voice mails. Just some of their dirty tricks are: 1.)Creeping posting date to make bills due away from when you normally make your payments 2.)Claim you are late even thought you werent and then take you interest rate from 12 % up to 28.6% 3.)Use rolling late fees to make you pay double the normal amount and a huge late fee, every single month when you were only actually a few days late once. These guys are worse than even First Visa was, which they bought out and apparently decided that thier customer service skills were a good thing for Citibank to aquire

I wrote a payment check to Citicard. They cashed the check for $1,000 more than what was written on the check. Fortunately, I had enough money in my bank account to cover the overpayment, so I did not notice this discrepancy for a couple of months. When I notified Citicard's customer service supervisor about this HUGE mistake (I was on the phone for over 45 minutes). Her response was that everyone makes mistakes. Their mistake basically stole $1,000 from me for a month. And now they are trying to correct the problem on their end because they want to avoid any trouble with the Federal Reserve. In the meantime their error is costing me my valuable time and undue aggravation. When I informed the supervisor that I would like my annual fee waived, because I shouldn't pay for a service that borrows money from me. She said this couldn't be done. Needless to say I cancelled my card.

The customer service is terrible. They have the attitude of a bank that has gotten to large for their own good (and the customers). They have no respect for their customers. Their only goal is to extract the maximum amount of fees and interest for each customer. READ THEIR TERMS CAREFULLY! They will raise your APR to a usurious rate (almost 28 percent) if you are even one DAY late on ANY credit card...not just theirs. If the interest rates go up....watch out...you could be talking 30+ percent! And what happens if you make all the payments on time and they review your penalty rate? Even if they set your rate back down, the balance you had is still set at the penalty rate. So much for "flexible rates". All flexible their way, but not yours. Stay away from these one-way pigs.

Citibank used to be a good business. They used to reach out and lend at semi-reasonable rates and terms to new/unestablished credit. Now it seems that in the age of corporate takeovers and profit-mongering, all they want to do is gouge you to squeeze more profits out any way they can. Two things should scare you away from this bank immediately: 1)Penalty rate - 27.9 percent 2)Terms - credit review. Here's the deal. You think...ok...as long as I make my Citibank payments, I'm ok, I won't get socked with a penalty rate. Nope. It doesn't even matter if you make a payment a few days late to American Express, one of their primary COMPETITORS. They will impose the penalty rate on you. Do I need to go into all the scenarios here (i.e. mail-room floor, lost mail, missed the bill, etc.). Don't expect customer service or any Citibank supervisor to believe your explaination. If fact...don't even expect them to show you where you violated the terms of any creditors agreement. If you carry a balance that means substantial cost to you going from the standard 18 percent to 28 percent! Go figure! Interest rates are the lowest they've been in 60 years and these crooks are finding ways to charge usurious rates. Stay away from Citibank. If you've got good to excellent credit, go with Capital One or any but these ripoff artists.

Do not get this credit card or any offered from Citibank. VISA is Visa and MASTERCARD is Mastercard. The BANK is not important for transactions. They will just as willingly take a Capital One Visa in India as they will a Citibank Visa. My story: In 1991 I got my first credit card: a Citibank Visa with a 2500 credit limit and 18 percent interest rate. A bit high on the interest but at the time I had no credit history. Well...I sort of got my card. Actually, the first one was stolen in the mail and fraudulent charges maxed out the card. I called Citibank and all was fixed. You see, in 1991, Citibank was a world-class, A+, Number 1 Company. Now, fast forward to 2003. If you will take a look a the terms, you will notice that Citibank will raise your interest rate to the penalty rate (27.9%) if you make a late payement to ANYONE. It doesn't have to be Citibank. It could be Bank One or Capitol One or even American Express! A few people have written good reviews on how Citibank offered low interest rate deals for transfers. It's a sucker play!! Again, if you make a late payment to ANYONE (and I mean ANYONE), that cozy 0.0% or 2.9% interest rate will go to 27.9%. On 10K, that means you go from about 25 bucks to 250 dollars per month....INTEREST! And if you don't think you'll ever make a late payment...think again. There are many, many cases of checks or payments getting "lost"...and not by YOU! And one day late is enough. Usually you have 30 days to correct a situation but not with Citi. The worst thing you can do is let Citi offer you a higher line of credit, then take it, transfer your balances, then close your other accounts. Why? Because when you close your other accounts you will lower your credit score. Why? Imagine you now have(with Citi raising your limit to 10K) 20K credit, with 10K in balances (say four cards with 2500 each). You're using 50 percent of your credit. If you transfer and close the other four cards, you've only got 10K of credit w/10K of balance..or 100 percent credit usage. Your credit score will PLUMMET...believe me! Then "something" happens and Citi uses it as an excuse to raise your rate to the penalty rate (TWENTY EIGHT PERCENT!!!) in accordance with the "terms". Think you'll find another credit card to transfer to? Good Luck with your new credit score! This is what happened to me. I now have a Capitol One Visa. Capitol One beats Citi hands down. I can tell you "What's in my wallet"...definitley NOT Citi! Stay away from Citi. If you don't believe me, listen to Clark Howard or Suzi on CNBC or any other decent consumer advocate. They have all discussed this issue...specifically Citi and especially the terms. Citi just made these terms within the last year. They didn't even officially notify me...other than stuffing a little sheet of fine print hidden in the ton of junk offers they send with the bill every month. Buyer Beware.

I was a happy Gold card holder since 1987. Over the last 12 to 18 months they have been offering 5000-to 10000 free miles and a free upgrade to Platinum and I consistently refused because to change, would cause my # to change and I have many many bills paid by automatically charging my card as well as have it on record with muliple airlines, rental car agencies and online stores. It would be just to inconvenient to change all those bills and records. Seems their latest attempt was a junk mail that said if a did'nt proactively tell them I didn't want the upgrade they would do it and cancel my old card. That was throw out with other junk mail. Now I get a new card and they are cancelling the old without any consent by me. My call them said 1) they could not undo and 2)none of the promotions previously offered would be given to me for my troubles despite I did not request the change. They just lost a steady $30,000 to $40,000 per annum customer. Hello to a differnt card. perhaps a US Air card or United card VISA for sure.

I told citibank that I would never do business again after paying off my balance and the rep said that chances are that I will have to do business with Citi in the future since they are the largest. Yea, right!

I was married and moved to a state where there are no Citibank locations. Customer service was extremely unhelpful when I called to see if I could change my name on the card - they basically told me to drive to a state where there actually were Citibank locations so I could prove my identity to them. The only good thing about this card is Citibank's deal with AAdvantage, which is the only reason why we have kept it.

I just went through a divorce and was late on two payments, they took me to 27.99% which is 2.99% over the New York maximum rate. To me this is LOADSHARKING. They also issue ATT cards - Stay away from both.

I had the AAdvantage card several years ago but decided to drop it because it became too expensive for value received (mileage limitations, conditions, etc.)I hated to do it because I liked being able to accumulate American miles but if you want American, that's your choice. I recently found out, however, that American Express membership rewards points can be deposited to your Marriot Rewards account and once in there can be converted to American Miles. The ratio is not 1:1 and the conversion rate depends on how many miles you're converting. Nevertheless, finding this out was enough for me to turn down my latest AAdvantage card solicitaiton which included a 10,000 free miles perk. Citibank needs to take a closer look at their program.

I have the Gold edition. The only difference between Gold and Platinum is the annual fee and there is no limit on how many miles you can earn with the Platinum Card. AA Status Members don't have a limit anyway so the upgrade to a Platinum is not worth it. Further the card has great insurance benefits. Anything lost stolen or bromken within 90 days after purchase is replaced. I.e. I bought a Fragile item on eBay!!! tookit overseas as a gift and it got broken during the flight. The airline would not pay for it since electronics are excluded in checked luggage. Citibank paid for the item in full!

WE WERE ON A CRUISE AND OUR CARD WAS DECLINED. ON A INTERNATIONAL CRUISE YOU HAVE TO HAVE A PASSPORT. CITI SAID THAT WE HAD TO CALL THEM WHEN OUT OF COUNTRY. LATER IN FLA IT WAS DECLINED FOR NO REASON. SAID WE HAD NOT NOTIFIED. WE LIVE IN NC AND WERE ON OUR WAY TO HILTON HEAD ISLAND AND AGAIN, BELIEVE IT OR NOT REJECTED. CALLED THE CO AND THEY SAID THAT WE HAD NOT NOTIFIED THEM. THESE PEOPLE ARE THE MOST DIFFICULT TO CONVERSE WITH. THEY CLAIM THEY ARE PROTECTING ME!!! I USE IT ONLY FOR THE AMERICAN AIR MILES. WITH PERFECT CREDIT I HAVE DETERMINED A WAY TO GET MY MILES AND THEN THEY CAN GO TO HELL.

Citibank sucks. Their customer service reps are rude and ignorant. If you have any card that has anything to do with citibank, pay it off and cancel. DO NOT close account before paying balance, even with perfect credit they will jack up your interest rates.

For no reason at all, my APR went from 10% to 24.99% without explanation. When I notified them, they told me they didn't need an explanation. I was horrified!. My monthly interest went from $60.00 per month to $157.00 with a minimum payment of $146.00. I AM BEING RIPPED OFF! I am not in a situation to pay off my balance and at this rate, it will take close to 60 years to pay this off....I am disgusted

several times i have been charged for services or products on the internet that weren't proper or were not appropriate for the services or product or overcharges or charges not approved and every time citibank has gotten the charges removed with no hassles on my part which i really appreciated and would recommend this card to anyone

inexcusable. Citibank did not assist forwarding a statement for costs owing. Send matter to collection, would not assist with a copy of statement to pay account. Client always paid statements in full prior to this but did not receive any statement for latest charges. Within a few short weeks amount was in collections and still nobody would allow client to see the charges but expected to be paid sight unseen?! Statement lost in mail for 3 months?

I cut my citimastercard up into little pieces today after being put on hold for an hour waiting to talk to a representitive only to be told I had the wrong department. When I got the right number and told of my dispute, the lady was rude, told me I had no recouse and hung up on me.

For the $50.00 per year charge, we are able to use the card to receive free airline tickets worth over $1600 per person each year. Makes this CC a valuable asset.

They claim I was in default over a year ago. (going through divorce and wife used to pay bills) In default little benefits and 28.25% interest rates. Even though in "default" I charged card over $4,000 over the credit limit. They let me do this in "default". I also paid the over limit amount of in thirty days In June I talked to several customer service "professionals" all say you had to wait for six months for the "default" status to be removed and you can not be latte consecutively. Despite my excellent payment record overall they would not give up their USERY interest rates. I even talked to a Supervisor on June 12, who said with an arrogant slur, "It is your payment history, Sir". DO NOT LET THIS HAPPEN TO YOU! WRITE YOU SENATOR AND CONGRESSMAN AND ASK THEM TO REINSTATE USERY TAX AND TELL THEM TO PUT SOME TEETH IN IT!! Execution of these public leaches would be too kind! IN THE MEAN TIME DO NOT DO BUSINESS WITH CITI BANK!

Citibank is a rip-off. Everytime I've gotten close to going over my limit, they allow it to go over and then charge me an over the limit fee. I thought the limit was there for a reason! Also if I'm late making a payment, and I'm close to my limit, I get a double dose: over the limit and late fee. Then to get me back to square one, they want my minimum payment that's late, plus the total amount of the charges that put me over the limit. This ends up being over $100 (min 50, late 29, over 29 + finance charge). I was having problems with some things earlier this year and I asked if they had a hardship program. They would not even try to help. But for 7 1/2 years, I only had maybe 3 late payments, none of them more than 30 days. They do not seem to take into consideration the times you've been current with your payments. So I ended up being late for two months and they sent the account to a collection agency. The agency threatened to sue on behalf of Citibank the first night they called. I knew this was just a silly scare tactic, because they are still calling 4 months later and haven't sued yet. Anyway I have found someone to do a refinance and am getting this account paid off within the next week! Thank God! I will never do business with Citibank again. If you fall on hard times, they will not help you. Comparing them to my Sears Gold Mastercard, I've been over the limit with them for quite a while and they've never charged me an over the limit fee and have worked with me while trying to pay it off. Plus, my % rate didn't increase by going over the limit. It's still 12% at Sears. Citibank is 22%!!!

excellent card and customer service.

I had a Citibank Visa fro 8 years- never had a problem with it- and always paid balance in full every month. Then they switched me to a Mastercard (instead of sending me another Visa card. I set up online payments- but their online payment did not allow the first transfer over $1k- and the second transfer you make has to be over 10 days from the first transfer (so I had to FEDEX a check to them to make my deadline for paying in full). Then they charged me a bogus late fee (which they addmitted was incorrect and re-imbursed me for). AT this point I'd had enough and called and cancelled the card - at which time they offered me a 1% cash back Visa to which I replied "Why wasn't I getting that already ??". Bottom line- stay away from these snakes- they aren't the company they used to be.

this card is just the run of the mill card...no complaints there, however if you ever have any problems with ANYTHING the customer service is a joke! The only answers I received were "I'm not sure why that happened", "You need to contact someone else", "I'm sorry,it is not our institutions fault" etc,etc, In other words I could get no answer from them. Some service. Also, my account for this card is set up for direct deposit of a government check and the time for the funds to be available is 12:00 midnight,the 3rd of each month however, the funds are never available until very late in the morning of the next day.

Cheated on me. These guys are cheap.

One must agree that having a credit card gives you a lot of freedom - but certainly not if it has a high interest rate component. I luckily received an offer in the mail for a Citibank Credit Card with a very low interest rate. I found it hilarious when the banks I hold my savings with try to offer me credit cards over the phone or in person because they always ask the question in a cocky like way which sounds like they have got the credit card deal of the year and they proudly announce the interest rate on it and then I tell them how much I'm paying on interest and there big smile goes upside down and they sigh in disbelief. They tell me "with who" and I say "with Citibank". Having said all of this, it is very easy to loose control with the credit card because as we all know, it gives you a false sense of security. I find that the trick to keeping it tame is to pay the whole amount owing, no matter how big or small, otherwise when the figure starts looking big and it piles on-top of last months expenditure, it becomes more difficult to face and you seem to do everything to avoid paying.

THIS CARD IS GREAT FOR ALMOST ANYONE AND IF THERE EVER IS A PROBLEM THE CUSTOMER SERVICE PEOPLE GO OUT OF THEIR WAY TO HELP.

Citibank is one of the most reputable and reliable banks out there. I have had 2 citibank credit cards and I don't like cards from other banks. They are upfront, honest, dependable and fair.

have never had a problem using the card.both here in usa and overseas.when charges show up that may be questionable to citibank as far as if they were actual charges that i had made is good for my security.

Too all people who read this. I would strongly reccommend crossing Citi Bank off your list to do business with. After their acknowledgement in their role to cover up the Enron scandal where lots of dedicated employees lost there retirement savings due to the Criminal Conduct of both Citi Bank and Enron. Citi Banks responses is to say they will have to take a charge off on forth quarter profits to cover their Criminal Conduct in intentional disception/cover up. I for one am disgusted with the response Citi Bank gave. No individual or small business would be left standing after such criminal conduct let alone free to walk the streets. I canceled my card with Citi Bank in protest to their involvement with ENRON. I HIGHLY reccommend all others who have Citi Bank Cards to do the same. The way to get this Criminal Corporation to listen and listen good is to hit them in the pocket book. This Corporation is not worthy of being called an American Corporation....Americans are not this ugly...remember when you this CitiBank think Criminal...this says it all.....

The frequent-flier miles on American Airlines are the only real perk of this card and we've accumulated about 18,000 of these per year. After about six years (and $300 in annual fees), we're financing our airfare for a vacation to Mexico. You should do the math based on your own spending habits and decide whether you might be better off just saving on the fees. The customer service quality depends very much on who you get. Some of their folks bend over backward, but a lot of them try to rush you through (must be a quota system) and stick to customer-unfriendly policies. Most of them probably just shouldn't be working in jobs which deal with the public. If American Airlines partnered with another bank or card issuer, I'd switch right now. I keep my Amex and my CapitalOne Visa card with me at all times - just in case.

This card is great for the constant traveler! You can earn dollar for dollar on what you charge. I will earn a free trip on american airlines in No time! The other thing great about using this card is the fact that Citibank has great Customer Service. The answer the phones quickly and are very friendly. Making a payment is also easy. There are citibanks all over New York City so I save a stamp as well going to the branch myself and making my monthly payment.

yearly fee times 10 equals a couple of roundtrip tickets in itself!!!!!!!!!!!!1

I was using this card for about year and half. I never contacted the customer service and prompt in paying the monthly bill. Recently I recieved a bill from their card member services stating that I have been enrolled in a credit protection benefit and my card will be charged 7% APR on purchases. When I called up the customer service and told about the mail instead of just cancelling the whatever they call "credit protection" they are asking me a write mail and request them for cancelling it. When I said "why should I write a mail to that dept when I never asked for such a service ?" the customer representative become rude and talking some nonsense stuff. I immedietly cancelled the service and never refer or citi bank service again.

Bogus charges appeaerd, I disputed and they denied dispute as they inoformed me that the bogus charge was from a Citi Bank Sunsidiary and I would have to seek a refund for the bogus chage fomr them.. and they could only be contacted between 9 to 5 weekdays. The it took six months to get refund.. meanwhile, they conveniently place non-payment charges each month. So.. tell them no next time they solict you. They really suck!

Customer service lacks. Of course, if I made 6.00 per hour for a company that could afford more, I guess I would be that way too. If you are prone to having a family emergency, such as emergency hospitalization of a child, dont get this card. Citi has the warmth of a pit viper in winter. They could care less about your "little problems". Just send us your money now. So, at the end of this month when I pay my balance off, I will NEVER use a Citi service or card again. When I am finshed with these people, I will make sure that American Airlines hears about my experiences and the fact that I will not use American's services as long as they are partered with Citi.

i am having a really hard time using my card on the internet

I got this card in 1985 while in college with a $500 limit. In college, you have no money. The card was not paid in a timely manner...however, it was PAID OFF. In 2000, I received a credit off from CITI card services..so I send in the application...Only to find out that even though my credit is great...Citibank MC still has my name in their systems and will NEVER approve a credit card for me. My question? Why the heck did you send me that invitation to apply then? Jerks.

We have the platinum card and the customer service is the best we have ever seen. I guess you have to be elite to get some respect after looking at the other comments, but they bend over backwards for us. Every month, they let us go over 2X the stated credit limit. They have even credited our card over $30,000 of $120,000 in purchases over the past year because of some disputes. We swear by it and just ordered another! Thanks CitiBank.

I have had this card for about 2 1/2 years and have accumulated about 26,000 miles. Since I work for the airlines, I'm not particularly interested in free tickets. I was amazed at some of the other comments concerning the dishonesty in advertising for people who redeemed miles for free tickets. I mostly use the card because I don't like to carry cash and earning miles is a bonus. I believe the $50 annual fee is a big rip off. I will be attempting to redeem some of my miles in the future for hotels etc and depending on any difficulties, may keep the card. As of right now, when my card expires, I will not be renewing it. I've already paid $150.00 just to have the card and that in itself is a lot of money. The perks have to outweigh the cost. I would not recomment the card unless you can pay off your balance every month and you charge everything from gas to food to utilities on it for the miles to add up. The interest rate is higher than many other cards as well. On the few occassions I had to deal with customer service, I found them to be extremely rude and unhelpful. Their attitude seems to be that they are doing you a favor instead of servicing a valued customer. They seem to forget that the profits from my busines with them goes to pay their salaries! A very big thumbs down on this one.

I got a call from a guy name chris, from AAdvantage, trying to offer me a visa or master card, I told him I was not interested, and he said are you interested in some of these nuts in your mouth, I am so mad and upset with this person, I hope someone does something about this, if I dont get an appoligy Im going to call the CEO and make a formal complaint.

A very strange thing happened this past August when my Citibank Visa was morphed into a Mastercard because of an agreement with Mastercard. That in itself would be no problem except that, for one thing, I was not asked if I would rather keep my Visa, and I already have a Mastercard. However, it makes for a good story to tell when I get a sales call from someone trying to sell me a Mastercard. I tell them what happened and we both have a good laugh!

Citibank Citicorp whichever you prefer. They are all Bad Cards. The Intereset will give you indigestion. I need money for medicine after the baks closed, I have no pin number my checks were enroute to me. So I thought why not get some quick cash from citibank card. WRONG MY cash withdrawal interest went to 75,57 % This is unheard of I blackened out everything but interest and sent to every person that deals in credit card help and then some. They said that percent had to be a mistake! WRONG I got in touch with them they told me they can charge as much to whom ever whenever. It did not matter that my credit was good, OR that I made all payments before time so I knew they would be on time. I finally found out my Husband had a nono on his credit report from his Business and they based this Charge Card in my name . Sole User The ONE WHO PAYS it on him this should not be allowed. They are Evil people

The reason that I obtain the Citibank Mastercard in the first place was the introductory off of 0% interest for one year on purchases. Also, I go to great lengths to accuratley track my spending habits, and I love the easy to use online account information section on Citibanks web site. I have not had any problems with the card since I started to use it. Unlike American Express, with the citibank mastercard I don't have to worry about wether a particular bussiness will accept my credit card. I can use it anywhere. I am considering if I should keep the card after he introductory period ends.

This credit card is great because you can earn free airline miles that have no expiration date on them. I use it any place that takes credit cards, so the miles really add up quickly. The only thing I don't like about it is the annual fee.

I have had my Citibank card for 10 years now. I received it in college, which was a big risk for the company to take. Throughout these past 10 years I have had some tough financial times and Citibank is a company that has always been willing to work with me on my repayment. That is something that I have really appreciated. They also have a lot of different services that they offer for a 30-90 day review, which has worked out really well -- as long as you remember to cancel before the end of the trial period. In all I have been very impressed with Citibank. They are a good company to work with.

I WOULD NOT RECOMMEND THIS CARD IF YOU ARE LOOKING FOR A HASSEL FREE CARD!!!!! The customer service is HORRIBLE and EXTREMELY RUDE!! During the course of two conversations, two seperate preset spending limit reps hung up during the conversation. They seem to be of the mindset "the customer is always wrong". In my 15 years as a business professional, I have never dealt with such rude company representatives. The information the company provides makes the "no preset spending limit" sound so easy, but it is ANYTHING BUT EASY. You get a different answer from every representative you speak with and it seems to always be in conflict with what the previous reps have told you. In the course of one month we have made 20-30 calls to the customer service dept. DO NOT GET THIS CARD UNLESS YOU ARE PREPARED TO BE TREATED VERY POORLY WHEN CALLING CUSTOMER SERVICE AND DO NOT MIND THE NUMEROUS HASSELS ASSOCIATED WITH THE "NO PRESET SPENDING LIMIT". I cannot express how POOR customer service is and how RUDE the majority of the reps seem to be!!!!

Any query or service requested is taken care of or replied in very quick time and to my full satisfaction and customer centricity is very well driven.

Although they offer a very good rate and no annual fee, they do make it very difficult to make a payment. Phone banking is available but it takes a few days to process. The worst part is the charge for web banking.

I've put up with this for 5 years now. I've called and complained...they just give me the runaround. Or they say that they are no longer going to send me 'offers'...but it still happens. After 5 years, you would think that they wouldn't feel the need to try to sign me up as a new member..but they are relentless. Finally, I just had to cancel my card on principalities...and have all their spam snail mail blocked at my post office. It's completely rediculous that I should be getting mail from them to "switch to CitiCards..." when I've been a member since '97. How hard could it be to take their "Current Members" database, and compare it to their "We're harassing to become new members" database, and scratch out the matches. I can't take it anymore.

the citibank program is flawed from the inside. their customer service, at least w/ me, was non-existant. I was having problems w/ the card: I would be denied a $15 purchase when I had > $100 left on the card! I tried calling them to find out what the problem was, & after being put on hold for more than 30 minutes, I hung up & canceled the account!

Citibank was my first credit card. I got a $5000 dollar credit line when I had no credit to my name. Sure the interest was high at first, but over the years it has gotten lower. I think that my best experience from Citibank was when a company charged me $5000 dollars for a service and never supplied it. I called Citibank about them and explained what had happened. They immediatly took off the money and credited it back to my account and then they told me to write a letter about what happened. I have never been charged this money back. I don't really have too much to say about it except that it is a good card, even if you pay a little more in interest.

Citibank has a trick to get rid of cardholders who pay their bills in full each month. They simply lose your payment. I pay my bills online thru my bank. I faxed them my bank statement and a bank receipt showing that I paid their bill but they never cashed the check. I even verified that it was sent to the correct address. Citibank refused to reverse the late fee and finance charges so I cancelled my account. No loss to them though. They weren&#'t making any interest money from me.

I applied via an offer Citibank mailed to me, and received an AAdvantage MasterCard last year. As of this date, they still haven&#'t credited my AAdvantage account the 5,000 mile sign-up bonus they promised in the literature they sent me when applying for the card. I write Citibank and they tell me I must contact American Airlines. I then write American Airlines and they tell me I must write Citibank! I&#'m just running around in circles. Both are just passing the buck. For this, I give both their customer service departments one big ZERO. I&#'m going to contact them again, but don&#'t have much hope. If they don&#'t credit me the miles (either Citibank or American Airlines) I&#'m going to ask them to cancel the credit card account and refund me the $50 annual fee, since they aren&#'t agreeing to the terms they told me when they offered me the card.

It takes a lot of points to get your free flight and there is a high annual fee. But, it does have its good points. If you spend a lot of money and take advantage of all the free points they can give you, then you will get a flight every couple years or so. This may or may not be worth the $60 annual fee.

wrote letter asking them to bring payments back down so I could meet them because of being be hind and late and overlimit fees can not afford to pay full payment they will not do this I sent in a small payment on both of thses citi cards and they apply all to one card even though was in seperat mailings and account numbers. They will not work with me so I guess I will all ways owe them.

The citibank master card is one of the best cards available in the market these days. It gives u financial freedom and tension free shopping anywhere and everywhere. It provides very flexible payment terms for the benefit of the customers. It allows more cash withdrawl as compare to other cards available in the market. The point system on purchases is very interesting and one can redeem the points for beautiful gifts offered by the bank. The card renewal system is very prompt and even before the expiry of your card u will receive new card. Customer care services need little improvement but overall it is a wonderful card to use.

a wonderful card to have. 2 years ago they offered 3.9% on balance transfers for the life of the loan. We placed all of our debt on the card. It is so nice not to have to keep transferring balances all the time. We were late a couple times also and their was no late fee. Customer service is always very nice and cordial. the due date is in the middle of the month. This is nice for us as our paychecks don&#'t come until the 1st week of the month. I would reccomend this card to anyone looking for a great deal and credit card. They have helped us build our credit rating.

Although citicard does not have many rewards and cash back incentives, they do make effective use of internet resources which save time! you can pay your card monthly online! the customer service is excellent and no other company compares!

Instant answers w/o waitint, great web site format, excellant dispute resolution services. Only draw back is this is a high interest card that must be paid off each month on time on-line to avoid penalties that are heavy.

I have had this card for several years and charge everything to accumulate American Airlines points. Once, I even charged a used car for my daughter even though I had the money to pay for it! The people are friendly and helpful when you call. I recently had my card stolen at a movie theatre and they replaced it immediately. The $50 annual fee is made up by the frequent flier miles you can accumulate. You can negotiate the interest rate after awhile. They cover car rental insurance and give you ways each month to accumulate mileage.

This was my first credit card and I've had it for about 15 years. It's quite convenient to have a Citibank card if you bank with Citibank because they offer several ways to pay the bill electronically. I carried a balance on this card for a long time at a rate that wasn't the greatest, yet I received no promotional offers from them at all. However, when I transfered the entire balance elsewhere that offered a good promo deal and a slightly lower rate, Citibank quickly responded with an excellent "life of balance" deal and a higher line, which led me to transfer it back. I get standard service from Citibank Mastercard -- nothing spectacular and nothing particularly bad. In the late 80's through the early 90's their service *was* uniquely impressive--only charge cards like Amex could outdo them and they were very definitely the technological leader. Citibank went through a perceptible decline in the late 90's throughout the Citibank system, which worried me for a while. But they seem to have stabalized things now. I like carrying their card, which has some decent benefits. All in all, I trust their level service and their committment to fair dealing more than most other cards I've carried. They've never made an error on my statement or played anything I thought of as a "dirty trick." Citibank--has tried to move me up to other cards--but I've so far declined because, for credit-rating reasons, I do not wish to apply for another credit line until I've closed a couple of other accounts.

They charge you if it is their fault. They do not listen to you.

I have been a Citibank VISA customer now for almost 10 years with an excellent credit rating and payment record. My past four years with Citibank have been as an Aadvantage Program member. Until recently, I have been happy overall with their Customer Service; they have been friendly and even professional at times in my dealings with them in the past. However, I recently moved, and in my efforts to redirect all of my montly electronic debits to my new checking account, I honestly forgot to redirect my monthly Citibank payment. Citibank tried to draft $2000 from my old checking account, which didn't have adequate funds to clear this payment. When I called Citibank to have this honest mistake cleared and all charges reversed, they complied with my charge reversal request without hesistation but proceeded to freeze my credit account for 30 days with NO exception! Even for a very good customer as myself. As the only card I use on a daily basis, this freeze created quite a headache. They even charged me $10 to make a telephone payment from my new checking acccount because the "freeze" created a serious blemish on my record, which they were not willing to remove in light of this mistake. Needlesstosay, I will be transferring my balance and closing the account very soon. Wouldn't be nice if business relationships were highly valued as they once were?

really a great card! I recommend it!

Don't you just hate those credit cards that have that oh so small wording - that's where they sock it to you for the proccessing fees, anual fees, 2nd card fees, by the time they are done your credit limit of $250 - $225 is used up in one charge or another, then that interest they add on , whew, it will not only take your entire life but your grandchildrens lives as well just to pay it off! I say NO MORE credit cards, they just aren't worth it!!!!!!!! After reading all the small print with a magnafing glass we chose not to enroll.....Make sure you read everything before you sign anything…

Hmmm... I originally got the Citibank Visa because I already had a MasterCard (through Capital One), and thought it would be useful in places that did not accept M/C. I started out with a secured card 2 years ago, then switched to non-secured, and almost immediately I was informed I was now the proud owner of a(nother) Mastercard by Citibank. And guess what? All of the banks had a great time changing their software to Mastercard from Visa for all Citibank accounts, ALL WITH NO NOTICE.

This was the first credit card I got. I was 18 years old and I kept it, and used it consistently for the past 7 years. I have never had any unresolved dispute. One thing that made me stay with them, was that they consistently decreased my interest rate as I built my credit rating. One thing I wish they had not done was increase my credit line without checking with me first. This happened numerous times, but maybe that is just the name of the game. My current interest rate is around 10%, so I have had to begin transfering balances to 0% cards until I can pay off my credit bill. However, I plan to continue to use Citibank for the "emergencies." When we were moving, our payment was a little behind, and we were charged a late fee, so I called them, and, with a little encouragement from me, they waived that fee. I had hoped they would have been more willing to do this since I had been a faithful credit card user.

Good introductory rate on balance transfers and new purchases

They add on late payments fees-when they are at fault,they change interest rates w/o telling you,and they don't post your payments upon getting them-I had several payment that were held for 2 months before posting

The card is excepted most everywhere but they call trying to sell you services like 5 times a month

The Citibank Mastercard is OK. Never had any big problems. They send bills on time. The Only bad thing is that the rates are pretty high!

This credit card (Master Card) was sent to me when I thought I was upgrading my VISA card. No one mentioned that it would be traded to MC. Twice I have tried to pay over the phone with a bank transfer and twice they have totally screwed up the number, causing the draft not to go through. I was not notified that it had failed and when I went to use my card, not only was it declined, but they tried to pick it up! This was after paying by balance in full for three years. When I called the 800# and tried to complain, the rep asked me if I would like to complain or pay my bill? She was extremely RUDE! After requesting a manager, I thought I had it straightened out and it is still three days later and still has not been cleared. I am cancelling this card.

I would rate the Citibank Customer service highly, they have respect for their clients and go out of their way to help. The APR on this card is rather high.

After 11 years and over $13,000 in purchases, I recently closed my Citibank Mastercard account. That was after they unjustly raised my interest rates. This was despite a PERFECT payment record and payments WELL ABOVE the minimum payment. I called and spoke with a supervisor, requesting a farewell letter. I stated that I deserved a "We'll miss you" letter after all these years of being such an excellent customer! I was told: "We are not your friend!" He added: "You were a customer who decided to terminate our business relationship." When I asked for an oral statement thanking me for my business, I was told: "We will send you another copy of the account closed letter. But, we will not miss you. You were not our friend." I told another supervisor that I was aware that Citibank was not my friend as they would have been an expensive friend ($300 a month for their friendship!). I was shocked that Citibank would treat its customers so poorly. Do not get this card because Citibank is most definitely NOT YOUR FRIEND!

On numerous occations I have received a call from a customer service rep wanting to varify recent transactions if I have done a lot of charges in one day. They are wanting to make sure that no one has stolen my credit card and that it is indeed me making the charges.

Hell-o all, I am just writing to say that Citibank has given me an opportunity to advance my credit value and repair my credit that family members had previously damaged. I am new to the credit card business, but the customer service is exceptional. And you can even talk to a real live person if you wish and not have to wait 20 minutes either. The only real disadvantage to Citibank cards is the reviews are only after a year of service. I would like my limit raised sooner than that if possible. But then again, maybe it's a good thing to have low credit limit: at least I won't spend that much :)

Any time I had a question or problem the custmer service dept. has been outstanding. Very friendly and helpful. Every person I spoke to. Their service for the individual holder is a personal one. Very good service indeed!

I have this regular card to collect miles (as in not Gold or Platinum) and I still love it. There are so many ways to get those miles - it's unbelievable! I already cashed out once and got a free tickets to Boston. Right now I have enough miles for one ticket and few thousands short of second ticket. Obviously I use this card for everything and it pays off for me. I also always use their special offers, for example I signed up for an account with them online and they gave me 5000 miles for it. Even though I'm not planning on using any of those features. Their customer service is not the best in the industry but I can live with that. The interest rates also are a little on the high side, to say the least. But I don't keep a balance so it doesn't really matter for me.

When falling behind on payments these customer reps will not only reveal the amount of your debt to anyone who answers your telephone, but they also make phone calls all hours of the day and night - including Sundays!

the creditors try and get you right out od highschool, because they know they can. and once you get a card you will run it right up. i would suggest to any young person to throw it away. my card got up $3500 and it would of taken me forever to pay it off. thimk hard befor getting a credit card.

My Citibank card has been a decent experience.I use it often and pay off my balance monthly.I have always gotten good customer service when needed and My card can be used anywhere.I think this is a stable company.

I have had excellent experiences thus far with the customer service department. They are helpful and you don't have to sit on hold forever!!!

This is a terrific card for those just starting out on credit and it grows with you very well. I got it when I was a senior in college and it took through my Master's degree and into the professional world well. There are regular, automatic credit increases when you pay on time for a certain length of time. Customer service is generally super. When I changed jobs recently they were awesome about changing my due dates (since my payday had changed) and waived the "late fee" for the month I changed it.

I always use this card. By now I'm so used to it that sometimes I forget to take cash with me. I get a mile for every dollar that I spend. This is of course a regular thing with credit cards. But with Citibank there are so many ways to get those miles that it's unbelievable. They give you miles for everything. It's more like i'm just buying those miles and most of the time it is worth it. For example to sign up for MCI they gave me 5000 miles (that was long time ago). All I had to do is keep MCI for 3 months. Two years ago I got two free tickets and now I'm few thousands of miles away from another one. The card is great!

Citibank sends out conflicting statements all the time. The first time I exceeded the credit limit. I was charged the fee and on my statement , my payment had increased. I thought that took care of it. but the very next week, I got a call saying I still owed the ammount over the limit. The payment had already gone out, so my next payment included ANOTHER over the limit fee, and a teriffically high payment as well. This was a hard way to learn how to read a bank statement!!!

I was able to do balance transfers that allowed me to save quite a lot of money. Whenever I have had a question seemingly important or not I have been treated with upmost respect and have had my questions answered easily.

A lot of my peers tell me Citibank is the best. It is accepted worldwide ang by most establishments. The only thing I don't like about this card is its high interest rate. Until I find a card with a lower interest rate and also accepted in major establishments, I won't replace this card with another.

I have lost cards and citibank has provided them to last minute and have accumalet thousands of miles. More importantly, Citibank has superior service and has helped me in time of need. I wanted to reduce my interest rate and since I am a good customer, they gave me a competitive rate. Citibank is excellent

I am employed by an MNC, which comes under the Class AA Category, for almost 10 years. I had to submit my application to Citibank 3 times before they would sanction the card to me. The reason given that my Office Designation did not match their criteria. It did not matter to them that my nett/gross salary was way beyond their minimum requirement. I was being penalised by Citibank (India) because my Employers place more emphasis on the quality of my work (and remunerate me accordingly)and do not give much importance to designations! A Citibank marketing personnel finally saw the light and obtained sanction of the card not only for me but other colleagues also.

This card was great. I was getting offers and throwing them out, each time the offer was better. Finally I applied for it and got it. Then I got ANOTHER offer - better! They said I had to apply for that. After much reluctance, I did - I got that one too! Very Low - 2.9% & 1.9% for several months. AND now that I have paid one off and the interest rate has gone up to 13%, I can consolidate my accts into one and have a higher limit with the low actually 0% rate for a few more months! Wow! Wonderful card(s) to pay down your debt!

I had this credit card for a while and was constantly getting nailed with late fees of $30 because they weren't posting payments on time, or were charging me late fees when payment was due on a Sunday. I would have to write letters or call to get the matter resolved, but in the meantime you keep getting charged a high interest rate on the late fees.

I mailed my payment in plenty of time to get to the company and posted. I always mail my payments 10 to 15 days before they are due. I know it takes time for the US Mail to get someplace and time for payments to be posted. I had not one but two payments posted late and they charged me fees. I called them and they told me that no matter what date I mailed the payment and not matter what date they received it, the date that mattered was when they got around to posting the payment. I have not used my card since this happened and will not use this card again.

Even if you have been a Citibank customer for years which we have - I am talking about more than 15 years if you are late on a payment they start calling you and harrassing you and increase your interest rates out of site.

Overall this is a good card to carry with you when you are travelling throughout North America. You can access your cash at most ATM machines. I originally started out as a Citibank Visa user and preferred that over the changed Mastercard. The Visa seems to be more acceptable at most retail outlets. If you do go over your limit, and late with your payment I find the Customer Service very good to work with.

I have had nothing but luck with my citibank mastercard. It is so easy to use and access my account online whenever i need to. The folks at customer service are wonderful and it's been a pleasure dealing with them. I can always count on getting the help i need whenever i need it. Thanks for being the number one credit card in my pocket.

Be very careful upon reaching your spending limit with this card. Those finance charges can sneak up on you and put you right over the limit. What happens then? That dreaded "Over The Limit" charge will creap up onto your statement even when you didn't really go *Over the limit*

Hi:Recently me and my wife went to Edmonton for the World's Athletics Championships. We carried my wife's MasterCard. We could not get a cent from the ATM or Cash Machines! The system did not accept the PIN number. Besides, the VISA logo was everywhere. Our "dream" trip was ready to go to the trash. At least we could buy things. Now we are looking forward to get an International VISA card.

I have been a citibank card member for quite sometime. I called them to consolidate my charges on my credit card and they had a special going on. It was for 2.9% financing/no limit on balance transfers for the life of loan/money I owed to pay citibank back. I got the BEST deal!! My 2.9% financing will never change until the debt is paid off. I wish other credit cards would do that, but they wouldn't make any money. I have been able to pay this card off quickly with that rate and the customer service personel are always helpful and understanding to help you pay off your bill. I would have it any other way.

I was in an auto accident and all of the creditors wanted there money. I tried to work something out with all of them and send what i could when i could but they just kept on telling me that it wasn't the correct amount and that the amount owed had to be paid and charges where outweighing the balence. Citibank was one of the only companies that set up a reasonable amount for me to pay each month and stopped all the intrest charges,late charges. They even set up 6 payments at a time to stop the harrassing phone calls. It took me three years to pay them off but it was one of the easiest things compared to all the other creditors. I no longer have the card but it is just because my husband asked me to eliminate all the credit card bills.

I love this card. I get miles for everything. In two years we collected enough for two tickets. But its just one of advantages of this card. Customer service is very good also. Plus they always increase my credit limit and interest rate is not that high (not very low either but its worth it). I would recommend this card to anyone.

They charge too much in interets rates.

I've always been very pleased with this card. I got it for the miles and kept it because the customer service is the best I've encountered. I don't mind the interest rates because, with few exceptions, I pay my bill in full each month. Thumbs up!

This card carries the highest rates I have on any card, and CitiBank is unwilling to discuss ever lowering. I have effectively stopped using it completely

I like everything about this card. It's almost perfect. I collect miles, get discounts for traveling, hotels and similar things, I get some kind of protection that they report everything that doesn't look like my charges, customer service is great, credit line is high, apr is low... The only thing that made me rate Citibank card as 3.5 is that they keep on charging all those magazines even though I never sign up for them. And it's not really a problem because all I do is call them and they immideatly take it off but it is kind of annoying more than anything. Overall it's a great card and I recommend it to everyone.

This company is relentess on late payments. If you payment is a day late they are on the phone asking you for it.

There is no annual fee with the card, and I see a reduction in my balance when making payments.

Keeping this card by my computer makes it very easy to remember what I used to make my purchases online..I only use this card..and can leave it at site..

Beware of cards that continually raise fixed APR interest rates once your balance becomes high - difficult to ever get out of debt that way.

any personal comments right now. I am happy with my credit card. The customer service people are helpful.

This is one card I and most of my friends have. One advantage with this catd is that you get good credit limit and a nice customer service. But the problem is with the high monthly payment.If you always have money payback all the credit then this card is the ideal one. If not this is not for you.

This is the best credit card, at least for me. And I've had it for 5 years already and have not a single complaint. I get miles from it and miles get me free tickets. And even though one ticket is a lot of miles (dollars to spend) it still worth it. Plus there are other ways to get miles, for example I signed up for an online account to view my statements online and they gave me few thousands of miles (sign up was free and I never use this service). The customer service is excellent. I hate when those telemarketers call me so I told them to get my phone number of their list and they did. I don't get any more calls from Citibank. I also told them no to send me any junk over the mail and they stoped. They are really cool about that.

The free companion ticket is a virtual sham. They only fly to select locations and charge the highest possible rate. It is cheaper to buy two tickets from other airlines than it is to use the certificate.

This is a very good credit card, has a lot of benefits, discounts plus I collect miles with it. But the finance charge and late fees are ridiculously high. The late fee is $35 and they used to charge it even if they received the check the same day but after 12pm, but not anymore thank God. And if you wanna make a payment over the phone its like another $15! For nothing, just for taking my information they charge it. And customer reps need some lessons in manners--they have none.

What interested me about the card was the mileage and the free companion certificate...i tried using the certificate for a recent trip and it was 300.00 more expensive than if i bought a regular ticket!! the companion certificate was not as great as they make it out to be....its only good for CERTAIN TRIPS...you have to be very careful!!

This card has gotten us many miles. We use it for major purchases, school fees, etc. We also like using it as our major card because it picks up all the incidentals (like gas) and helps us get miles more quickly.

I have really enjoyed this card. The no annual fee really saves me money and any time there are several transactions in one day or transactions that are not consistant with my spending habits they always contact me to make sure my card has not been stolen or lost.

I've had this card for several years now and even though it's not like others in the sense that it doesn't offer very many rewards or benefits (ie. dining out, air travel, etc.), Citibank provides excellent customer service and they're always on top of their paperwork. I highly recommend this card.

I like the Citibank Mastercard because it is very easy to earn airline miles which I use frequently.

I love this card

Good card. Not excellent but still good, just very solid credit card. The only reason I have it is because of the miles that I get through it but other than that it becomes just an average card. They dont have low APR or balance transfer promotions or any special deals and discounts for card members. Sometimes they send special promotion that I would get 2 miles to every dollar that I spent (as compared to regular 1 mile = 1 dollar) but the places where they offer to shop are just ridiculous!

No recommendation at for the CityBank Mastercard. High rate with none benifits at all.

Citibank also offers other credit card with no annual fee and with a reward program. I really like the advantage of reward programs. Also in dealing with the customer service it has always been easy to dispute a claim.

In my experience with this card the only thing nice about it is you can purchase thing easy with it, but with that you can purchase things easy with any major credit card. I would give a better rating if they even tried to act like the customer is the one paying thier bill, because without customers there is no paycheck. The consumer can make up there own minds but I do not recommend this card.

Unless you prepare far in advance, the points you accumulate don't matter too much.

I really did not have any problems with this card at all except when my son ordered over the internet.I learned that he had ordered an object whose sole purpose was to pirate gameboy games from the internet.I called Citibank immediately (within an hour of the purchase)to tell them that my (12 year old)son had made a purchase which was without my consent as well as illegal and sent an email to the company cancelling the order (they offered no physical address or phone number in Hong Kong).The woman in customer service informed me that even if my son had been caught purchasing illegal drugs on the international internet they would still have to pay the party. I was informed that I could not claim lack of consent because my son had included the expiration date on my card and that any purchase made to a non-usa company could not be refunded for any reason-even if the product was never received (banned by customs).It was difficult to explain to my son that it was unethical and immoral to order a product whose only purpose was theft when he was aware that Citibank insisted on paying this Chinese company 750yen.I cancelled the card.

customer service is the best.

Overall I am very pleased with this Credit Card. I had a real shabby credit rating when I applied for the card (had a car reposession). They approved me quickly and gave me a generous credit limit ($5000) at the start. One one statement I noticed that my interest rate had gone up. I called their customer service to inquire the rate hike and they informed me I had a variable rate. Then, (this is the kicker) the customer service representative asked ME if I wanted him to check if I could get a lower rate! How many card companies will do that? He cam back and offered a 11.9% Fixed (down from 17.65% Variable) and it hasn't changed since. Lastly, I called customer service again because I had overlooked my bill which was due in 2 days. I asked if I could make a payment over the phone from my checking account. The customer service rep said instead of doing the payment over the phone (which incurrs a $5 fee) she could extend my payment date for 5 days! WOW! No Late Fee, No additional finance charge! She stated that since I was an excellent customer I had accumulated 20 days in which I could use to extend my due date. It is customer service like this and the Airline Miles that make this card and its annual fee worth while.

The AAdvantage Citibank card has become increasingly deceptive and unhelpful over the past year. A year ago I was enticed to upgrade to a more expensive card to receive a companion certificate. When the certificate arrived, it had different black out dates than indicated in my original offer letter (which was sent by the VPs of Marketing of both Citibank and of American Airlines). The 'new' certificate black-out dates did not meet my travels needs and the response of the two companies was to send me back and forth between their respective "Customer Service" desks. Despite written follow-up providing proof of the discrepancy, they refused to live up to their written offer. Subsequent attempts to use the companion certificate added to my frustration as American Air would claim the certificate required a seat so much higher priced than seats generally available on the web -- that it negated any benefit from using the certificate. Last month I received a letter informing me that I would "automatically" be assigned a new Platinum card unless I called and notified them that I did not want it. I called and told their Customer Service representative that I did not want another one of their 'companion certificates' or the aggravation of changing the automatic payments on my existing credit card. The service representative said this was no problem and he would ensure that I kept my old card. Surprise... today the new Platinum card arrived and "Citibank Customer Service" says there is nothing they can do to give me back my credit card number. As usual, Citibank 'policy' prevents them from correcting their mistake. Another time last year, I knew I was about to exceed my credit limit, so I called and spoke with a Citibank AAdvantage Customer Service rep. who advised me to have them trigger my automatic payment early. I did so, and guess what? ... when the usual automatic payment date came around... they charged me again even tho my credit card balance was zero. My bank account was short $15,000, and I won't bore you with the details of how unhelpful Citibank was in getting this resolved. Everyone needs credit today, and my impression is the financial institutions are getting worse -- from both a competency and a callousness perspective. After a year of repeatedly lousy service -- as my reward for being a so-called 'valued AAdvantage Citibank customer'of 10 years -- I'm going to find a new credit vendor.

I have been a Citibank cardholder for 18 years. They were the first Visa/Mastercard I obtained. I have an excellent credit rating. I knew I would be making a large purchase in a few weeks and wanted to be able to transfer the balance to the card which would give me the best rate. I received a notice in the mail addressed to my grandmother (who had passed away the previous year) offering her a balance transfer rate of 1.9%. I called to inquire about my rate and was told the best they could offer was 3.9% which still beat out my other cards which offered 5.9%. I was told this offer was valid for 6 months from the date I made the call. I charged my purchase on an alternate card and called Citibank to pursue my balance transfer. 1 week had passes since I placed my original call. I was now told the best rate they could offer me was 6.9%. I questioned them regarding the offer they had sent out to my dead grandmother, they stated they only offer these rates to non-members. The previous month I had received an offer from an alternate company for 2.9% balance transfer, if I applied for my pre-approved card. I applied for this card and transferred my balance to this company. My grandmother had been a Citibank Visa holder not a Mastercard holder when she was alive. I immediately cancelled my Mastercard. It has been 4 months and I just received a pre approcved offer for 0.0% for purchases for 6 months and 5.9% for balance transfers. I received a similar offer 2 months ago for a business account with 3.9% balance transfer ( also from Citibank). transfer with this company. I have learned it is best to only remain a Citibank member for 6 month periods. Take advantage of all they have to offer, cancel your card and if you have a balance, transfer the balance to an alternate account, Citibank will offer tremendous offers to gain your business but once you are an account holder they will not do anything to keep your business. MANAGE YOUR CREDIT WISELY AND YOU WILL NEVER BE A FOOL WHO HAS TO ACCEPT CITIBANK'S OUTRAGEOUS RATES FOR LOYAL CUSTOMERS.

I have had this credit card for years and years, in fact it is the only one that I have. Customer service is impeccable, and my interest rate is relatively low.

I have had this card for a year. I switched from the United Mileage card because the customer service was so dispicable. I also wanted to begin accruing miles on American, because I think United is the worst airline in the world. Citibank customer service has been outstanding in correcting small issues (such as credits). However recently they offered me an upgrade to the Platinum version of the card, which of course upped my annual fee. They indicated I would get additional benefits, the one that sold me was the ability to use on 20K miles on domestic tickets instead of the normal 25K. I went for this because I had 40K miles in my account which would allow me two tickets instead. When I went to book the tickets, I found out from American that the Platinum deal is only for particular city pairings. The city I Iive in was not one of them! So I called Citibank back and indicated that when they sold me on this feature, they also needed to tell me that this offer was very limited. At first, they were not helpful, but then gave me a finally agreed to give me a bonus 5K miles. Not exactly what I expected, but I decided it was an acceptable compromise. It was dissapointing, but I have found that most credit card companies are. I feel Citibank AAdvantage is perhaps one of the better in a bad/slippery/deceptive business.

I had been happy with this card because I was accumulating frequent flyer miles by charging just about everything. I pay my balance in full each month, so I don't really care about the interest rate they charge. However, when i went to Europe this summer and charged all my purchases, hotels, car rental etc on this car, I found out when i came back that Citybank charges a 3% transaction fee for EACH transaction. I find this excessive and deceptive since i was never told of the fee. I am looking now for another card with no foreign transaction fee. My husband will keep using CitybankAAdvantage for frequent flyer miles only.

The Citibank Mastercard has excellent customer service. Everytime I have called they have always been willing to work with me. They tell me when low balance transfer rates are in effect. They have removed late fees when I moved and all of my mail was three weeks late. Every person I have talked with has been kind and courteous. They even lowered my intrest rate when I requested it. This company understand that life doesn't always run smoothly. Of all my cards I know I can count on this one. The card may not have a lot of extra reward programs, but the customer service representatives make up for it.