I love the card and trust Costco. Am I being naive?

I got a letter from Citibank saying that my Costco Visa credit card account was closed due to returned payments.

All of these returned payments resulted from malfunctions in the Citibank app installed on my cell phone.

Using the mobile app, I set up automatic payments from my Citibank checking account, making sure to specify that payment should be deducted from my checking account and paid to the credit card account. Then I saw that payments were rejected for insufficient funds because the payment had been attempted on the savings account (instead of the checking account as I had specified).

I repeatedly tried to set up the automatic payments to come from the checking account, but each time I did I would eventually find that the payment had been attempted from the savings account. I would double and triple check to make sure that I had selected the checking account, but every time the automatic payment attempted to draw money from the savings account.

Note that:

1. Even as the system attempted to take the credit card payment from the savings account, there was always enough money for the payment in the checking account.

2. Even as these automatic payments failed, I always made payment from an external account at another bank, and my credit card bill never went unpaid, payment was never late, not even a day.

3. I have other problems using the Citibank app on my cell phone. Various operations often result in the app hanging, showing a circle spinning round and round forever.

4. I have accounts at other banks and have no problems using their apps for automatic payments, etc.

Given that Citibank encourages the use of its app and encourages automatic payments for credit cards, I feel it's quite unfair that my credit card account has been closed through no fault of my own.

Also: I am quite unhappy that this was done just weeks before I was due to get my annual reward for all this purchases I made at Costco.

In discussing this several times with Citibank customer service, they basically say that: they're not responsible for anything the app does, it's all my fault because I didn't contact them as soon as I noticed the app wasn't working, the fine print in the terms and conditions of the contract says they can close the account at any time and if the account is closed there's no way they can pay me the rewards that I accumulated throughout the year. They also said that maybe I should talk to Costco to get this reward, even though they admit that the Citibank Visa award that is separate from the Costco membership rewards.

If Citibank paid the reward monthly, then I'd only be out one month's rewards. The way this has been done, I've lost everything I accumulated in 2024.

I'm so disgusted with the whole thing, it's pushing me closer to canceling my Costco membership and taking my business elsewhere.

Hi y'all! I'm debating if I should apply for the Citi credit card from costco. My husband and I have the executive membership, and we spend about $200-$300 there 1-2x a month. We don't really pump gas at costco due to the insanely long lines which sorta sucks cuz they're offering 5% for costco gas. We will most likely be with costco long term so I'm not super worried about closing the account if I do get the card.

I've read a few posts about people's experiences with the card and Citi in general, and it's sorta 50/50. For me, it would make sense to have a dedicated costco credit card and earn points/cashback too. I have C1 Quicksilver and I'm sad that I can't use it at Costco because of their contract with Citi who uses Visa. I'm also looking into the Chase freedom unlimited card to use at Costco since it's a Visa card but I'd only be getting 1.5% back.

To those who do have the Citi card, what has your experience been like using it? Would it be worth getting? Is the customer service good? Are there other cards that I would be better off applying for?

I do appreciate any feedback or recommendations! Thank you☺️