My wife and I both had Citibank Mastercards where we got cash advances and the interest was only 1.99% with no transaction fee. We paid every month the minimum requested, which was part principle and the interest due on the remaining balance. We decided in October 2009 that it was an administrative hassle to keep remembering to access the accounts electronically and pay the minimum, even though 1.99% is a great deal.
I went to the local Citibank branch and asked to pay off the balances in full. In January 2010 we started getting recorded calls asking us to call Citicard and "it is not a sales call", the recording stated. I called said I owed back interest. I relayed the story about the branch payment and not receiving any communication either by mail or internet or phone. Again all payments and look at statements were electronic. Long story short, the call continue into February and we have now complained to the FTC (2X) since Citicards stated the dunning recordings would continue.
BTW the amounts they say are owed are respectively $8.50 and $1.50. They also stated the branch of Citibank did not have access to a payoff amount. No wonder they are losing money; then again the CEO needs that big paycheck.
I worked for Citibank at The Lakes, Nevada for over 10 years. In viewing the complaints on this website, almost all issues are a result of the card member violating the terms of their contract. A great one is that they didn't get a statement so they forgot to make a payment & got a late fee.
Do you forget to make your house or car payments if you don't get a statement? You know you have a payment due every month, so quit whining and blaming Citi for your lack of responsibility. No one has forced you to charge on your card. Responsible people charge what they can afford then pay it off every month. These people that cry because they can't make their payments put themselves in that position.
I've had credit cards for 30 years. I never got a late fee, over the credit limit fee, and I NEVER paid one cent of interest. It's those irresponsible whining, sniffling people who complain, but it's never their fault. Oh no, it always somebody else's fault. Get a life and own up to your mistakes.
FAIRHOPE, ALABAMA -- I received a phone call from collections for Citicards. Turns out I had not received a billing and I was past due $59 on my account, which I have had since 2003. I, of course, paid the total balance immediately. I called Citicards to ask that the late fee be waived since they failed to send me a billing statement, or for whatever reason I did not receive a statement. They would not waive the $39 late fee so I closed the account.
I have a very high credit score and have always paid my bills on time. This is poor service for CitiCards not to waive a one time late fee, particularly based on the fact I have had an excellent payment history for five years. Poor business practice and I do not expect Citicards will be around for long with their poor propensity for customer service.
After using this card for 7 years (with few problems apart from an over-active anti-fraud system), I just reviewed my credit report and discovered that it shows no credit limit for my AAdvantage card. Looking into this issue further, I discovered that this hurts my credit score, because it makes it look like I am maxing out the card all the time, when in fact I rarely get up to about 20% of the limit. Check out this article: **.
It turns out that because this is a revolving credit line with no fixed limit (there is a limit but you can spend in excess of it as long as you pay back the excess within the month), Citibank is under no obligation to report the notional limit that you have, or even your highest outstanding balance. No obligation, but they can certainly do it if they want to.
I spoke to Citibank about it, and they (after a LOT of prodding) confirmed that it was their policy not to report the information. They told me the most they could do would be to send me a letter with the information which I could pass on to the credit bureaus. But even if the bureaus accept that once (unlikely IMHO), it's certainly not going to cut it on a month to month basis. DON'T get this card - it hurts your credit score.
FOND DU LAC, WISCONSIN -- These are several numbers (520-662-8998, 520-662-8999, 520-664-9698, 336-522-8998, 336-522-8999) I have received calls from Citicard as a result of a billing dispute. I have downloaded a program from Traysoft called Phone Tray Free which uses my computer modem to automatically hang up on these harassing calls after one ring. If you have a voice modem, you call also have it play one of several messages available. The one I use emulates a disconnected phone. The program also logs date, time, and calling number of all calls. I offer this to allow others to fight back to these harassment practices. I also report each call to the do not call site.
After 18 months of letters, emails, and phone calls, I am over this nightmare. Stick to your consumer rights and keep after them is my advice.
Citicards has raised its APR 76% in one month from 17% to 30% even though we've a 5-year relationship in good standing. This is unethical behavior. We'll have to discontinue using their services. Citicards answer to my complaint was that I was notified that the change was coming, and that it was simply a business decision, not a reflection of our account status. Warning a customer that you plan to initiate unethical business behavior doesn't absolve Citicards. I shall do whatever I can to communicate my outrage.
I use online banking for almost everything, including making my monthly payments on my two credit cards and have on two occasions over the past 4 months had problems with Citicard. I have scheduled payments that are visible and then disappear after they are scheduled, but before the selected post-date. I am then slammed with a late fee on top of my payment. I have never had this happen anywhere else and have started printing out my confirmation receipt. Don't assume the just because you scheduled your online payment, it will be there on the due date.
GAINESVILLE, FLORIDA -- I was trying to get my balance below the maxed out amount and come to find out that they charged my account twice. Once it was $40 dollars then it went up another $72 dollars. Now you tell me if I should pay an extra $72 dollars. They are crappy and should be sued for fraud charges...
32958, FLORIDA -- I had a merchant steal a $275 item from me and Citibank would not intervene. The item was returned with proof of return sent to Citibank, and Citibank still charged me for the item. I was a long-time customer who never missed a payment. They said they are just a method of payment and nothing further. Do not do business with Citibank credit cards! There are a lot better cards out there. Their customer service staff couldn't care less about the customer, only the merchants.
EAGLE POINT, OREGON -- I looked into how many miles I'll need to travel to e.g. Europe. They charge nearly double the miles the other mileage cards charge at Citibank. Not a good deal. I wrote a review earlier about inability to redeem flight miles unless you've spent that many purchase miles also. Also not a good deal if you are going to acquire more flight miles than you can spend in that month or earlier. This looks like a great deal when first read, but it really isn't.