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What is your opinion on Citi credit cards?

reddit.com › r › CreditCards › comments › 184t2m9 › what_is_your_opinion_on_citi_credit_cards

My opinion on Citi credit cards is mostly positive. I see value in cards such as the CC and DC. I know others find value in additional products beyond those two. As far as a lender goes, I've had more personal issues with Citi than I have had with any other big bank (and I do business with many of them). I fully understand that my personal experiences are not going to be indicative of what others may expect so I'm not going to bash them or anything... just stating that for me, it hasn't been favorable dealing with them. Answer from BrutalBodyShots on reddit.com

reddit.com › r/creditcards › what is your opinion on citi credit cards?

r/CreditCards on Reddit: What is your opinion on Citi credit cards?

October 22, 2023 -

I’ve been hearing a ton of really great things about citi cards, they’re points, and whatnot but recently i started seeing some negative comments that i didn’t fully understand.

Citi was in my next group of cards i was planning on targeting in the next year-ish so any help or opinions would be appreciated!

My opinion on Citi credit cards is mostly positive. I see value in cards such as the CC and DC. I know others find value in additional products beyond those two. As far as a lender goes, I've had more personal issues with Citi than I have had with any other big bank (and I do business with many of them). I fully understand that my personal experiences are not going to be indicative of what others may expect so I'm not going to bash them or anything... just stating that for me, it hasn't been favorable dealing with them.

Citi custom cash is one of the best credit cards in general for low spenders. 5% back in restaurants or grocery is amazing

reddit.com › r/creditcards › why is citi so unpopular? i feel like no one talks about citi or uses them.

r/CreditCards on Reddit: Why is Citi so unpopular? I feel like no one talks about Citi or uses them.

August 11, 2024 -

Citi cards are often not talked about as potential cards people can get, and no one seems to have them. It was my first card that started as secured, then became unsecured. Just upgraded to the double cash card. I only have an $800 limit though. I work in a restaurant and only see people use Citi cards maybe once a month, if that.

Citi does not have a referral program like Amex or Chase. Your favorite TikiToker or Youtuber ain't getting anything from them so no reason to shill their products. Citi has very few premium products. Those of us that have been in the CreditCard space or churn sign up bonuses do not have a lot of options with them. We have limited options to choose from with Citi. Citi has earned a reputation for bad customer service. Citi, just like the other issuers, have millions of customers who go around their daily lives without negative experiences. Unfortunately, those customers do not go on social media to talk about it; only the negative ones do. You see a lot negative experiences with very strong opinions in here.

Poor reputation for customer service. On paper their 4+ card set up (with multiple CC) is probably the best earner for the average person (especially at the price). They out do Chase, Amex, Wells Fargo & Capital One. Plus 1:2 on Choice isn’t bad at all. But that can’t be all that is taken into consideration.

reddit.com › r/creditcards › are citi credit cards a bad ecosystem to get into?

r/CreditCards on Reddit: Are Citi credit cards a bad ecosystem to get into?

May 28, 2023 -

Hello guys, I’ve been thinking about applying for my first Citi card, the CCC for the sole purpose of paying for gasoline. I’ve read mixed opinions on the internet & was hoping to hear personal experiences from people on this SUB. I’ve also seen that they trademarked the new Stratus name & changed their travel portal to booking.com which gives me hope that they may offer great things in the future. Would you recommend Citi? If not, what are some other gasoline credit card options that you’d recommend. Thanks!

Edit: After reading everybody’s experiences with Citi, I decided I’d rather not be subjected to horrible customer service with a credit card lender. Amex has always been amazing when I needed assistance or help & because I am already considering the blue cash everyday for 3% on online shopping, I think I will use it for 3% back on gasoline as well so I don’t have to get involved with Shiti Bank. If they bring something impressive down the line with the Stratus Lineup I may reconsider. But for now I will remain clear of their cards. Thank you to all who responded!

Horrible customer service

No, Citi is a major issuers and their cards are solid. CDC, CCC are both very good cards. CCC is one of the most versatile cards in the market.

reddit.com › r/creditcards › who actually likes citi cards?

r/CreditCards on Reddit: Who actually likes Citi cards?

February 28, 2024 -

Who has a citi cc that they actually like over other options? It is by far my lowest limit and also least amount of raises. It appears citi is below average for limits, perks/rewards. Does anyone have a different experience?

I wish citi had a better rep and service because i actually like their setup citi premier, double cash, and rewards+ combine to have: $95 annual fee 3.3% back on restaurants, supermarkets, gas stations, air travel, and hotels. 2.2% back on everything else

I really like the Citi Custom cash. I use it mainly for 5% cash back on gas. It’s one of my highest limit cards. Wish I could get a second. But oddly enough I really like my capital one savor, which is my lowest limit card. For some reason they won’t boost it even though I use it every day. Pisses me off.

reddit.com › r/creditcards › citi cards. love it or hate it?

r/CreditCards on Reddit: Citi cards. Love it or hate it?

July 27, 2023 -

Many people mentioned here that Citi sucks, and they don’t want any Citi card….. I have two (Costco Anywhere and CDC) for many years, just like my wife have hers Citi cards. Never had any problems with Citi, payments, fraud charge, customer service or anything. I have an Amex (which definitely has batter customer service), but rewards is better at Citi at least for me. Why do people hate Citi so much?

I don't hate Citi credit cards. So far for me, they have been okay except for the one time where they calculated the bonus wrong. It is their banking that I would avoid at all cost. I open a checking account and transferred $5K in. The account is locked immediately. It took a letter to the CEO's office to get the matter resolved.

Citi banking sucks. But their credit cards are solid, Citi Premier and Custom Cash have given me a ton of value. I even had a double charge that they fixed over the phone immediately. Keep in mind they outsource customer service to India, that might be a drawback for some. I haven’t had issues with it, their English isn’t too bad.

reddit.com › r/creditcards › best citi setup for credit cards

r/CreditCards on Reddit: Best citi setup for credit cards

August 2, 2025 -

Hi, I’ve realized I value Eva and American Airlines points the most so citi seems to cover both of them. What’s the best citi setup with a catchall card? I’ve heard you can product change and SWY is not bad? Any help would be great. Thanks!

Citi premier to transfer / 3 CC groceries gas dining 5x / double cash catch all

Here's my setup and spending strategy: Custom Cash 1: 5% Back on Groceries (Up to $500 monthly) Custom Cash 2: 5% Back on Dining (Up to $500 monthly) Strata Premier: ($90AF - comes with $100 annual hotel credit) 10x Hotels, Rentals, Attractions (citi portal) 3x Dining, Groceries, Gas, Air Travel Citi AAdvantage Platinum: Only used to fulfill the intro 80k miles for 3.5 spend over 4mo. I keep it to secure AA benefits Double Cash: Everything Else All ThankYou Points transfer out to AA miles. I also have a Amazon Prime Store Card for 5% back, but that doesn't tie into my citi strategy in any way.

reddit.com › r/creditcards › is citi now the best one or two card setup?

r/CreditCards on Reddit: Is Citi now the best one or two card setup?

July 28, 2025 -

I’m not a huge fan of the Strata elite and don’t plan on getting it, but I was thinking that if you do fly American now (or value their points for booking partners) with the transfers that it’s now potentially the best one card set up. You get decent premium travel benefits and a decent 1.5X rate. If we compare to its competition:

Venture X gets 2X but has much worse transfer partners. It’s much easier to get good value from AA. So in practice the Citi 1.5X is likely better.
BOA PR/PRE. Still the best if you have 100k and don’t want to bother with points. But if you do use points then you can get 2-3cpp on AA miles so it’s going to beat the 2.6% here.
CSR only good for earning if you have low catch all spend. Seems unlikely for most people.
Platinum has very low catch all earnings, not a good single card setup.

Although you could also argue that Double Cash + Strata Premier is even better as a two card setup. Very low AF and even better earnings for most people. AA > United/Delta for redemptions so it clearly beats the other cheap two card setups.

I highly doubt it, because if you are a hardcore AA loyalist you already had the AAdvantage Citi cards before the Strata Elite launched. I would be shocked if anyone that has been generating AA loyalty status is going to shift gears and handcuff themselves to the Citi travel portal. If you're that dedicated to a single airline, you will have cobranded airline cards, full stop.

A Citi trifecta is tempting (Elite + DC + CC) but I like my VX alot. I don't like complicated setups. Keep it simple silly

reddit.com › r/creditcards › citi credit card is really horrible 😞

r/CreditCards on Reddit: Citi credit card is really horrible 😞

September 24, 2025 -

I recently had my Citi credit card locked, so I sent the IRS form by USPS. I confirmed it was delivered a week ago, but when I called them today, they said they never received it and told me to send it again. They won't even cover the mail fee! This is my first Citi card, and so far, it's been a nightmare.

This has been covered quite a bit. Big thread here on it.

Citi customer service is absolutely HORRIBLE. Wait until they REQUIRE you to have a SECOND PHONE NUMBER so they can send you a security code to the SECOND phone to confirm your FIRST phone. Actual brain dead company

reddit.com › r/creditcards › which citi card is better?

r/CreditCards on Reddit: Which citi card is better?

March 24, 2024 -

Citi custom cash card - Earn 5% cash back Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1% cash back thereafter. Also earn unlimited 1% cash back on all other purchases.

Earn $200 cash back Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.

Low Intro APR for 15 months 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that the variable APR will be 19.24% — 29.24% based upon your creditworthiness.*

Citi double cash card - Earn 2% cash back Earn 1% cash back on purchases and 1% as you pay for your purchases, with no caps on earning, confusing categories to track, or annual fee.*

Earn $200 cash back Earn $200 cash back bonus after spending $1,500 on purchases in the first 6 months of account opening.**

Low Intro APR on balance transfers for 18 months 0% for 18 months from date of transfer for balance transfers only; after that, the variable APR will be 19.24% to 29.24%, based on your creditworthiness.*

It’s literally the exact same thing, except for the fact that you get 5% cash back but only for the first $500 each billing cycle then it’s 1% cash back after that & for the double cc it’s 2% cash back overall. I’m conflicted which one I should choose I’m not sure if it’s better to just get 5% cash back up to $500 then 1% or just go with 2% cash back all around. Help?

That’ll depends on your spending lifestyle. Do you spend at least $500 in one category? Or is it sporadic (i.e., 100 in gas, 75 in food, 100 in groceries, etc) and/or just want a flat-rate, no thrill card? The former then take the CCC, the latter then take DC.

The Double Cash is 2% everywhere, whether you're getting an oil change on your car or buying Christmas gifts or anything else. You'd have to do to math, but I think over 5-10 years the Double Cash would come out ahead.

Find elsewhere

Google Bing Mojeek

reddit.com › r/creditcards › citi cards are great… until you need customer service (and then it’s a clown show)

r/CreditCards on Reddit: Citi cards are great… until you need customer service (and then it’s a clown show)

April 9, 2025 -

I recently picked up the Citi Strata Premier and overall I really like the card. The 3x on gas, groceries, restaurants, air travel, and hotels is great for someone like me who doesn’t travel much and doesn’t care about airline/hotel loyalty. Redeeming points is easy: cash out via statement credit or transfer points if needed.. All good… until you actually need help.

Let me tell you, Citi’s customer service is absolute garbage compared to literally every other issuer I’ve dealt with. I’ve had cards with Amex, Wells Fargo, and Chase. Amex is in a different league (especially their 24/7 chat), Wells and Chase are acceptable. But Citi? A complete shitshow.

Here’s what happened:
A few nights ago, I booked a hotel through the Citi travel portal but later found a better offer on Hotels.com using my Amex card. So I canceled the Citi booking and rebooked with Amex. That’s when I noticed something weird: Citi showed three transactions:the original charge, a cancellation, and a third mystery transaction.

So I tried to chat with a rep through the app, but surprise! No agents available at 6pm PST. Fine, I call. Get someone with a heavy accent (no issue with that in itself, but I genuinely couldn't understand half the conversation), connection was awful, and they needed to verify me. Problem is, I forgot my "secret word" (lol). They tried sending a text… which never came. I gave up and hung up.

Then I figured I’d just dispute the transaction directly through the app. I check back two hours later and now… fraud alert on my account. Called again. Forgot the secret word again. Text still doesn’t work. They call me back to verify me (finally), and the rep says the fraud alert is removed — but can’t tell me what happened with the double transaction. Transfers me to someone else. Same drill: secret word, no text, can’t proceed. “Call back later.” Are you kidding me?

Spoiler: the fraud alert is still there.

It’s insane that Citi can offer such a solid product and pair it with the worst customer service I’ve ever experienced in banking. If you never need help, it’s a great card. But the moment something goes wrong? Welcome to the circus.

Maybe this is stupid, but regardless of a company’s rewards structure or benefits, I rank them by customer service. Like you, I don’t have a problem with CS having accents as long as they’re comprehensible. The real problem is that it’s often clear that these reps work in a call center and aren’t necessarily even aware of the company’s policies because they’re working for the call center which may contract with 10 different companies. Amex is great. Personally, I’ve had great experiences with WF reps even though I’m not a fan of the company. But some like Citi—I’m convinced—simply hire the cheapest possible labor to give the illusion of 24/7 availability. I’ve had to ask them before if they even had access to the site or were just reading a script.

Something to check. When I was on the phone with the staff, they kept trying to send me a text which I never got. Turns out I had notifications turned off for the app in my phone settings. After I allowed all notifications, I could get the texts

reddit.com › r/creditcards › citi quadfecta -- great setup, thoughts?

r/CreditCards on Reddit: Citi Quadfecta -- great setup, thoughts?

October 23, 2023 -

It seems like Citi's cards go a bit unnoticed here (except the Custom Cash) as a great all around setup, what are your thoughts on using the whole range of Citi cards for a solid points or cash back setup?

Premier - 3x on groceries, gas, flights, and hotels ($100 travel credit covers the fee but is a bit more difficult to use than ones offered by other banks)

Custom Cash - 5x on highest spend category

Double Cash - 2x on everything

Rewards+ - 10% rebate on points sending effectively elevating the multipliers above to 3.3x, 5.5x, and 2.2x

Depending on how much you value Citi ThankYou points, you could be getting quite a good cpp redemption rate with a Citi Quadfecta setup for only a $95/year fee which can potentially be offset completely. What are your thoughts on the Citi Quadfecta?

Well, you see, it's not enough to be easily the best-earning points-cashback hybrid ecosystem across a wide range of income levels if you don't pay the Dane spend enough in marketing to get people to talking about your cards. They're just not ｅｘｃｉｔｉｎｇ, where's the ｒｏｍａｎｃｅ if you're not chasing exotic categories to max out your coupons and just getting $28 off for every month, huh? Anyway, uh, Citi is kinda stingy with the SUBs so there's just not usually much to say tbh

I wouldn’t say they are unnoticed. They are one of the biggest banks and one of the few who have transfer partners. I think they just aren’t as popular as the other big 3. Most likely because they are missing that elite card. If the Citi Prestige was still around (accepting new applicants) and was in the original form, they would be brought up more in the conversations when it comes to 2/3+ card set ups (like with Amex, Chase and C1). The earning numbers are there and they have some transfer partners that I’m sure plenty of people find valuable in their situation. But missing lounge access, PreCheck/Global Entry, flight credits, status upgrades and so on hurt them when it comes to competing.

reddit.com › r/creditcards › should i stay away from a citi card?

r/CreditCards on Reddit: Should I stay away from a Citi card?

May 26, 2024 -

Okay. From my research I’ve heard great things about the Citi Custom Cash card. I believe it will be perfect for me as I have a Discover It card so I think they will go great together.

Now even though I keep seeing so many people praise this card, I’ve seen so many say Citi sucks when it comes to customer service and random fraud alerts.

Should I not get his card? I know something like Amex would be great with customer service but I don’t want to have an annual fee card like the BCP and the BCE just doesn’t seem as good. I just want to know if I should completely stay away from Citi as I don’t want to deal major issues

I personally agree that Citi customer service can be hit or miss, they arent the worst but i wouldnt want to deal with them. As for the card itself, provided it functions as intended, its a great card to have

Something to consider is that most of the spending that you'll want to put on the CCC doesn't really require purchase protection - Dining, Gas, Grocery, Transit, Travel. You can put your riskier charges on a card with purchase protection & better customer service

reddit.com › r/creditcards › citi ecosystem credit card strategy

r/CreditCards on Reddit: Citi Ecosystem Credit Card Strategy

October 12, 2025 -

I've been looking into getting into the Citi Ecosystem. I've been mapping out what I think would be the best roadmap for myself, but am curious to hear your guys thoughts on whether or not this will work. My end goal would be to have the

Citi Strata Premier

Double Cash

And two, maybe three Custom Cash cards.

I have no cards with Citi so I would be starting fresh with them. I'm thinking of first applying for the Citi Strata since it has an easy SUB, waiting six months to apply for my first Custom Cash, then go for the Double Cash six months after the first Custom Cash, converting my Strata into another Custom Cash (if possible), then applying for the Strata Premier six months later.

To me this plan seems solid, but it relies on Citi being able to product change the Citi Strata into a Custom Cash. Are there any data points of this being possible? Also if this plan does work, how would I go about getting a potential third Custom Cash? I may or may not go for the third Custom depending on how much use I end up getting out of the other two, but it would be nice to know how that is possible.

Appreciate any help!

I recently converted my Strata Premier to a CCC . Citi did make me wait until 12 months after opening the card

The problem with your strategy is that Citi has rules on how often you can get the welcome bonus on the Strata cards. I think it's every 4 years but that might have changed. Be careful with Citi because they are one of the tougher banks when it comes to approvals. You might end up not getting the card you want. That's a bigger risk with Citi than it is with Amex or Chase.

reddit.com › r/creditcards › they signed up for citi’s new premium card. it turned into a nightmare. (free link)

r/CreditCards on Reddit: They Signed Up for Citi’s New Premium Card. It Turned Into a Nightmare. (free link)

October 16, 2025 -

Strata Elite cardholders say they were shut out of their accounts without explanation for weeks

https://www.wsj.com/personal-finance/credit/citi-new-premium-credit-card-problems-b99f7642?st=4ZQVw9&reflink=desktopwebshare_permalink

Wow getting picked up by WSJ is not good look for Citi

Beautiful. We need more negative press on Citi until they clean up their act. These nightmare stories are prevalent on Reddit but until everyone knows how horrible Citi’s infrastructure is and they finally start to see their “premium” products fail, nothing will change. Citi’s Strata products were up next in my line up until these horror stories came out.

reddit.com › r/creditcards › i want to get a citi bank credit card but don’t know which one to get first

r/CreditCards on Reddit: I want to get a citi bank credit card but don’t know which one to get first

July 9, 2025 -

I did the pre approval tool and I got offers from the costo card, CITI DOUBLE CASH® CARD and CITI CUSTOM CASH® CARD.

Which one should I get first?

Double Cash if you don’t already have a 2% catch-all card.

For what it’s worth, I have 11 credit cards. Citi Custom cash is sometimes still useful for me (mainly for 5% on Airbnb when I do that, transit otherwise). Double cash wouldn’t be useful to me. Which is a long way of saying that Custom Cash can remain useful for a long time. But I wouldn’t argue against getting both and getting a Strata and being in the Citi ecosystem.

reddit.com › r/creditcards › which citi card to get? am stuck on deciding

r/CreditCards on Reddit: Which Citi card to get? Am stuck on deciding

April 29, 2025 -

I’m a 23 year old college student, I have my discover card but I want something else that can benefit me, at first I wanted the blue Amex my parents advised me away from that so I’m between the Costco Citi Visa and the Citi Rewards + card. Which one would you recommend?

Citi Visa- assume you're talking about the Costco card? I'd advise against it. If you ever cancel your Costco membership, you lose the card. Citi Rewards- Assume you're talking about the Rewards+? That card is not available for new customers at this time. What's the rationale behind not getting the Amex Blue Cash? That card probably makes sense for you. If you want a Citi card, Double Cash or Custom Cash would be your best move. Keep in mind that unless you've had that Discover for more than a year, you may not get approved for Citi cards.

Why did your parents advise you away from Amex? The BCE is a great "starter" card with viability through the end game if you can get it.

reddit.com › r/creditcards › what’s the deal with citi travel cards?

r/CreditCards on Reddit: What’s the Deal with Citi Travel Cards?

September 2, 2024 -

So I’ve had cashback cards for awhile, getting into the travel card game because I’ve been upping my travel recently. Got 2 of the Chase trifecta. Went that way because it seems to be the default.

Citi has a new card called Strata Premier. From an earning standpoint, I think it may be stronger than Chase for a normal guy like me. I do realize its travel partners are somewhat lacking. But I’ve noticed Citi gets no love, and even some hate? What’s the deal and why should I stay away?

My only data point is a double cash card I’ve had for years. It’s been fine, does what was advertised and never had issues.

Citi has a reputation for poor customer service. You are right, the Premier (a Citi 4+ card set up in general) is probably has the best earning potential for average earners compared to other banks with transferable partners. But no one goes on rants about how they have adequate customer service. The bad stuff gets talked about the most. Citi is a big company and they obviously do right (or not wrong enough) by enough people. I have a couple of cards with them and I personally wouldn’t rely heavily on them at all. But you may have a different outcome.

A lot of people get a lot of value of transferring instead of travel portal. As you mentioned, citi's partners are lack luster. But if they are valuable to you, then that's all that matters. Run a few hypothetical trips you want to take and make note of the chains you'd use. Then look at the value of the points if you used their points system, and how long it would take you to get the points. Choose your ecosystem based on that. Or if you plan to use travel portal, run the hypotheticals in the portals as you already have access to both bank's portals and choose based on that. Remember Chase has the 1.25 or 1.5 in the portal. It's a math equation that only you know the variables to.

reddit.com › r/creditcards › is it worth applying for the citi premier card?

r/CreditCards on Reddit: Is it worth applying for the Citi Premier Card?

April 17, 2024 -

I’m trying to better maximize my rewards and I’m thinking of focusing on the Citi Trifecta of the Citi Double Cash, Citi Custom Cash, and Citi premier card. I admit I don’t travel really but I would like to start and the premier seemed good and honestly may even be decent as a cash back card as well.

But I’m not sure how good it is or if they’re better options. My other credit cards are the capitol one savor one, Amex blue cash everyday and the preferred, Wells Fargo active cash, and chase freedom flex. (I have more but they’re rather selfish for certain things like Amazon)

Is the Citi Premier card a good one to try for and to focus on that trifecta? I have actually done a lot of credit card inquiries and approvals lately too (6 in fact in the last 6 months) so maybe I should wait some time before applying for it?

I think the Citi premier is extremely underrated. It hits a lot of multiplies for most (3x groceries, dining, travel, gas). Signed up specifically because I wanted a card with transfer partners to Miles and Smiles. The one major downfall and why I don't use it anymore is due to their fraud department. Card gets declined nonstop when traveling abroad, even when confirming multiple times over that I'll be out of the country. It's 10 steps back as far as fraud tech is concerned. If you're not worried about that and traveling domestically, I'd say go for it, but as an international travel card I'd steer clear.

One major negative thing about the Premier is that it’s from Citi. After that, they don’t have any domestic airline partners (I’m pretty sure) and their hotel transfer partners definitely don’t have a portfolio compared to IHG, Hilton, Hyatt & Marriott. The card earns better than the Sapphire Preferred, Gold & Green card. It’s one of the best earning cards out there at any price point. Then they still give you a full 1¢ per point unlike C1 or Amex when going for cash. But again… Citi. Your mileage may vary with them but I’ve had negative experiences with them. I’m sure plenty have been alright as well.

reddit.com › r/citibank › what is wrong with citibank are they the worst credit cards ever?

r/citibank on Reddit: What is wrong with Citibank Are they the worst credit cards ever?

March 5, 2025 -

My wife convinced me get a Citibank Costco card. I applied got instant approval. Cool. Got a card today. Cool. Activated the Card. Cool. Tried to put it in my mobile wallet. No longer Cool. Had to call the fraud department. Hey can you confirm your secret word? Didnt know I had one but sure. Okay we need to confirm your identity. Cool. Can we send you a text sure. Not cool. We cant use your phone number you provided. Okay I dont have another number. Do you have other accounts? No. Why cant you use my phone number. We just cant. Why? We cant say. Why? Because we cant. Okay now what. We need to send a letter out to verify who you are. So my phone which I am talking to you on isnt enough but a fucking letter is?

So I said okay cancel it, not worth it. Cant cancel we havent verified who you are. Cant use it, cant cancel it. I was planing to move from my 60k chase card to this Crap? Damn it Citibank you are really a D- company as you BBB profile says.

They honestly have the worst fraud services of any servicer. They are awful

I fucking hate Citibank. Every single time I change a phone even when I had to get a service replacement their idiotic credit cards get blocked and in have to call fraud to get them into wallet. No other credit card company I ever had to bother for that. Even worse when I use my Citibank card with apple pay for online purchases it gets blocked too. Fraud. It literally only works for store purchases. Otherwise you need to use the credit card number.

reddit.com › r/creditcards › regret getting citi credit card

r/CreditCards on Reddit: Regret getting Citi Credit Card

December 13, 2023 -

So I got approved for a Citi Choice Card, the 5% for first $500 spent in X category with a $200 SUB for $1500 spent in the first 6 months, as I figured thatd be nice since I have multiple weddings to go to this spring/summer.

I get the card in the mail, I activate the card, I get the app, link my bank account and try using the booking travel portal, and it says it failed. I try again and it says it failed. I tried to link to my apple wallet and a verification text won’t come through.

Then it says I need to contact support for verification.

I ANSWERED EVERY QUESTION CORRECTLY.

Then they tell me I need to wait for a letter to come in the mail in 7-10 days since I failed the verification.

What is going on? Is this a common theme with them? I would have quite enjoyed saving a few bucks with all the traveling and driving I have to do starting in 9 days.

Edit: other info, have apple credit card from over 2 years ago, best buy citi card of 8 years. Pre credit score before this card was 810. Citi Custom Cash*

Edit Edit 7 days later update (only posting for future help for others) https://old.reddit.com/r/CreditCards/comments/1c5tr3y/regret_getting_citi_credit_card_part_2_no_joke/?

Citi Choice? You mean Citi Custom Cash?

Citi being shitty.