Terrible customer service

I had a charge in dispute. I did not receive all the items and noted that on their dispute form. Their only options were "I received the items" or "I did not receive the items" Since I received a partial order I checked both boxes and wrote an explanation. Later I was charged the full amount because they said I never should have checked both boxes and I was "wrong" to do that and now I would have to pay the full amount. I even explained that the form did not have an option for a partial delivery and they said I should have called them to help fill out the form. I explained that there wasnt even an option for partial deliveries. They said too bad I would have to pay. All due to their forms being poorly made!! So when you need Citi forget it.

Most Attractive Feature: None Same run of the mill card
Least Attractive Feature: Service

great service

i love that i get somthing out of using my card. more than just a credit card

Most Attractive Feature: the thank you network. it has everything
Least Attractive Feature: this is a card for everyday purchases

Citi stands by their customers

I've had this card for 10 years or so.
When you get a rep who speaks english, they are usually extremely helpful.
Citi just replaced my cards PROACTIVELY.
Gave my wife and I new cards - both with unique numbers, they were concerned over potential fraud.
I could not find my new card in the mail pile to activate, they offered to ship me a new one ASAP.
I once used it randomly once for gas 2000 miles from home, they alerted me after the fact.
Now I check in with them before travelling.
wish the rate was lower than 14.99 (they won't cave in on rates as easily anymore).
I use it as a back up to my AMEX. Compared to Chase & Capital One, I much prefer the Citi experience. Most likely a customer for life.

Most Attractive Feature: They appreciate loyalty, waived fees when appropriate, alerted to potential fraud
Least Attractive Feature: Offshore customer service for initial calls

UNSERVICE

I live on a VA pension that ALWAYS arrives on or before the 1st-so I asked for statement date on last weekday of each month-after 4 months they have moved it back one day each month-for JAN. 07 IT WAS ON 26th-that's a FRI. WHAT'S WRONG WITH 1/29,30,31-a Mon,Tue &Weds. The pay by date is 2/15-so that's at most-an 18 day grace period-they advertise AT LEAST 20 DAYS. On 1/30 I mailed 4 checks to pay bills-Citi being one-3 of them are back at my bank and paid by 2/1-on 2/2 these jerks haven't even deposited my check yet!-IF I was the CEO of these morons I'd fire anyone who let huge amounts of $ sit on desks-not earning interest.

Most Attractive Feature: You might get lucky on phone-email responders are useless
Least Attractive Feature: Dishonest-grace period and statement dates are BS

Bad APR

I've been a Citi Bank customer since 1999. My credit score is 760 and my credit card has an APR of 14.95%. They state that is the best they can offer me. I've learned to never carry a balance with them. Also, the points never get posted like they say you earn them.

Most Attractive Feature: Points if they would post to your account when you earn them.
Least Attractive Feature: APR

Excellent card

I am very happy with this card. I would like to see special offers throughout the year. The key is to maximize on the charges for each month but make sure you pay it off at the end of the month.

Most Attractive Feature: card that provides excellent benefits...
Least Attractive Feature: limit on the annual benefit

It depends on who you get

I have had Citibank credit card for approximately 10years now. I've never had any other credit card..(mostly due to the fact that I'm stupid enough to carry 3-4 different cards, with 3-4 different rates, balances, payments, etc...)
There is one thing I can say about Citibank..they go to bat for you if you have a problem with another company. I have only had two problems with other companies when I used my Citibank card to purchase something. When the deal went wrong, for whatever reason, I simply called citibank, asked them to take care of it, and they did. Typically, inside of week, I had my dispute resolved fairly.

Unfortunately, I have also had the unplesant experience of being "passed on", or "tossed around" from one customer service rep to another...having to tell my problem/story over and over again. But, sometimes, it gets taken care of after talking to just one or two people...I guess it just depends on who you get.

Most Attractive Feature: Dispute Resolution
Least Attractive Feature: customer Service