Incredibly bad customer service
I had this card for just over 1 year and charged over 75K, paying off the balance each month. I had the same issues with the low credit limit as others have reported even with a credit score of 800+ and sufficient income. But that was the least of my problems: mine problems were multiple security issues and terrible customer service. I have multiple credit cards, visa, mc, disc, amex. I have never had any card used by someone else for unauthorized transactions other than the Citibank Card, it happen twice on two occasion, with multiple purchase each time, even though a new card/number were issued. Citi is not protecting the account information. Of course each time this happens, I had to call customer service which is a nightmare. Customer service representitive are obviously not in the US, extremely difficult to understand and are like machines. The last call caused me to cancel the account. It started when I received a call from a merchent (NOT CITI) to confirm I had made a purchase. Since I hadn’t made the purchase, I immediately called Citi. The first representative was so diffficult to understand, I hung up and called back. The second person stepped through validating purchases, cancelled the card, an initiated a replacement card with a new number. She then asked if I wanted to pay $6 for a replacement card. Let’s see…charged $75K over a year, how much has Citi made off of me…out of principle, I said no thank you. I figured I would use my costco amex till the replacement card arrived. Well, after 10 days and no replacement card, I called customer service. The representative attitude was o’well, saying “the cards were mailed on ____, if you needed them, you could have paid the $6 for expidited shipping.” I said, “just cancel my account” and she did. Not once did she say, "thank you for your past business, sorry to loose you as a customer, you can kiss our ***, nothing. " I will never use a Citi card again, I want a card with great customer service that shows they appreciate your business. I will use my costco amex until it Costco switches next month to a Citi card. I know there are other cards that will OVERNIGHT replacement lost cards, for FREE.