Citi works tirelessly to provide consumers, corporations, governments and institutions with a broad range of financial services and products. They strive to create the best outcomes for their clients and customers with financial ingenuity that leads to solutions that are simple, creative and responsible. They work with companies to optimize their daily operations, whether... show more
Citibank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 09/24/2025.
Citibank personal loans are a good option for people with good or excellent credit. They offer competitive APRs, at 7.99% - 19.49%**, and up to $30,000 in funding. These loans are only available to people with an existing Citibank account (checking, savings, money market or CD). In addition, personal loans from Citi are a bit harder to get than average, as the minimum credit score required is 740+, compared to 660 for many competing lenders.
Citibank has a bit of a stained reputation, with an D- rating from the BBB and over 560 complaints about their personal loans with the Consumer Financial Protection Bureau. You should take time to look through some user reviews and weigh them against Citi’s good personal loan terms before applying.
Citibank Personal Loan Review Highlights:
Citibank personal loan rates:7.99% - 19.49%**
Origination fee:0%
Late fee:$0
Loan sizes: $2,000 - $30,000
Repayment periods: 12 - 60 months
Credit score requirement: 740
Other requirements: Have a SSN and be at least 18 years old. Be either a U.S. citizen or permanent resident, and have an open Citi bank account for at least 12 months.
Reputation: Citibank has an D- rating from the BBB, and over 580 complaints filed against their loans with the CFPB. It has an average user rating of 3.6/5 on WalletHub.
Funding timeline: As soon as the same business day after approval, depending on how the money is sent
Joint applications: Not allowed
Below, you can see how WalletHub rates Citibank in our three major personal loan review categories: Terms, Requirements & Application, and Reviews & Transparency.
Citibank Ratings by Category:
Category
Editor’s Rating
Terms
5/5
Requirements & Application
3.8/5
Reviews & Transparency
2.5/5
Overall Score
11.3/15
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
Product: Citibank Business Services
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9
Juan Perez @capitalreport031981
Terrible service and they are thieves charging such high interest rates, and in the process they come in to check your credit without permission
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Citibank
drs4614 @drs4614
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1 Star Rating
I had a Citi/American Airlines credit card for a number of years. I canceled it about a year ago because of the poor customer service and my preference for flying United. I recently saw or received an offer for a different Citi/AA card with lots of miles as a bonus. I didn't read the details closely, but I assumed that if I didn't qualify because of my semi-recent cancellation, they would not process the application. Well, I didn't qualify, but they reopened my old account and sent me a duplicate of my old card with a new number, but no new bonus miles. I canceled the card immediately.
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Product: Citibank Credit Cards
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Citibank
Ka Wa @pinkladybeta
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1 Star Rating
Received the card and tried to activate it. The process to get the card activated took 50 minutes, including being transferred multiple times between the activation department and the fraud department.
20 days later, logged in to the online account only to find it is still blocked due to a "High Fraud Alert." During the first phone call to resolve the issue, the customer service representative said they had to call my phone. The call ended, and they never called back to confirm the phone was actually mine.
Called back and a new person said they cleared multiple fraud settings from my account, yet when I logged in, it still showed the "High Fraud Alert." They then transferred me to the IT department.
The IT person did seem to have a clue. They cleared the user login and requested I create a brand new one. That was indeed the final fix to clear the "High Fraud Alert" from their systems. This ended call number 2 for the day. These 2 calls combined took 40 minutes, in addition to the initial call to try and activate the card which took 50 minutes. So, to activate the card and be able to log in cleanly took a total of an hour and a half of my time.
In summary, either their systems are totally inadequate, or their training for customer service representatives is exceedingly deficient.
Either way, I cannot recommend strongly enough to never choose to get a CITI credit card.
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Product: Citibank Credit Cards
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Citibank
Lori Anderson @andersonmahoney
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1 Star Rating
Verified Customer
Reduced credit limit without cause. I have never been late paying more than my minimum payment every single month. I have never been late paying any credit card or loan I have ever had, as clearly seen on my credit report, which shows an excellent payment history. I have had steady employment for more than 25 years and alone make six figures without adding my husband's income. I have investments, savings, and significant home equity. Citi damaged my credit score, yet I have been an excellent customer. I am actively looking to transfer my balance to avoid doing business with this company.
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Product: Citibank Credit Cards
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Citibank
HP @harshadap923
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1 Star Rating
Citi customer support is worst I have experienced so far. No person to support available at all for specific issues; voice recorded options are of no use—hardly few options, nothing else. It's completely useless to call or text.
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Product: Citibank Credit Cards
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0
Citibank
dricka renaye @drickarenaye
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1 Star Rating
If I could give zero, I would. I opened this bank account and deposited a significant amount of money, not merely $25. Then, when I attempted to send money to a family member, my entire account was locked down. I'm saying that I can't access anything, and customer service is terrible—they can't explain why this is happening. They tell me I need to wait for a letter to verify why it's not working. I told them I don't have 10 business days; I have bills to pay now. It didn't take 10 business days to deposit my money. I received two letters in the mail with two different card numbers, and the next day, I received two different bank cards. It's just a mess, and I don't recommend anyone use their banking services. As soon as they release my funds, I'll close the account because it's unacceptable.
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Product: Citibank Checking
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Citibank
Prasad Pisharam @prsgem01
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1 Star Rating
"I would give a -1, not even a 0, for their so-called wonderful customer service. It's pathetic! I became a ping-pong ball between Best Buy Geek Squad Membership Services and Best Buy Credit Card Service. They are extremely inefficient.
It was an extremely painful experience dealing with the Customer Service of Best Buy Credit Card Services. Surprise #1: They failed to communicate to the customer that his promotional period for the monthly payment plan was ending, and then they automatically applied interest from that point, which was a total surprise. We had a difficult time talking to the customer representative to finally make the remaining balance in full payment. Surprise #2: Despite my instructions to the customer service to close my Geek Squad membership upon the full payment of my purchases, it was somehow overlooked, and the membership was continued without my consent. We eventually received a debt collection notice due to the outstanding membership fee, with a late payment fee added on. Frustration: It's impossible to reach the customer representative on the provided number. It directs to a speech-enabled system, and it is extremely difficult to get an actual person to speak with from this customer service number. Overall: It was a terrible experience with any purchase that involves a plan and automated renewal of membership. I ended up paying an amount that I did not owe to them! To me, this team is utterly disrespectful to customers.
This is a lawless bank blatantly violating federal law. We have a large credit in the credit card account, which the bank must refund within 7 business days after a customer request. They are stonewalling and trying to mislead about timing and the law. Their so-called Executive Response Team is a sham, doing absolutely nothing.
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Product: Citibank Credit Cards
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Citibank
mech_engr @mech_engr
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1 Star Rating
Extremely disappointed with Citi credit card. They charge you high interest once you miss a payment date. Extremely poor customer service, basically of no help, as they adhere strictly to the system.
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Product: Citibank Credit Cards
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Citibank
xxhedi @xxhedi
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1 Star Rating
The worst customer service I've ever dealt with. I have a pending dispute that should have been resolved a long time ago. They have had all the information they needed to resolve this. And they keep requesting more bogus information about the dispute. Citibank also submitted a past due amount on my credit report, even though it was in dispute. I've contacted the disputes department and customer service seven times with no resolution. I also contacted Citigold Investing, where I have money, and received no response from them either.
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Product: Citibank Credit Cards
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Citibank
hewebber @hewebber
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1 Star Rating
Citi Bank has chosen profit over customer service! I decided to transition from a no-fee credit card to one with a $95 annual fee. They charged me a $95 fee for an AAdvantage Miles Up Credit Card that I never applied for, nor have I received, and I have not received the no annual fee credit card either. I spent over an hour speaking to Coco, Gladis, and Jan in the Philippines Citi Customer Service, which was a total mess. I asked for the Citi Customer Service phone number in the US, and they gave me the Citi Gold phone number!
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Product: Citibank Credit Cards
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0
Citibank
coreyrice1987_cr @coreyrice1987_cr
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1 Star Rating
Citibank is absolutely unsatisfactory. We opened a card and did a balance transfer under the impression that it was zero interest. We then used it for other purchases and got charged interest. When we called to inquire, we learned it was no interest only on the balance transfer, which was fine. We paid the amount down to the balance transfer. However, the next month we were charged interest again. After another call, we discovered that only a portion of the payment was applied to the current amount, with the rest going to the balance transfer. We paid the entire balance in August, but lo and behold, we were charged interest yet again. This company is so terrible and deceitful; I would never recommend using them as they are absolutely unsatisfactory.
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Product: Citibank Credit Cards
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Citibank
Richard Brown @Ktm890
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3 Star Rating
I've been a cardholder since 2003 and as a veteran, I appreciate the 10% discount. I also like the $299 6-month plan I currently have, although I recently received an email statement stating that I was late on my monthly payment. I had a terrible time trying to log in and tried to reset my password, but it kept telling me the passwords didn't match. So I went to the top of the page and clicked on 'make payment.' Oddly, I had no trouble making a payment. Therefore, I guess I'll continue this way without logging into my account. In summary, you have no problem with someone making a payment, but logging in to see your statement is a different story.
We had a dispute and provided proof that the transaction was canceled on the hotel's end. Hilton could not provide the one-bedroom suite because they gave our room to a Diamond member. Citi requested documentation in PDF form, which we provided immediately. Now they are saying that time ran out and we owe money for a hotel room Hilton couldn't provide.
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Product: Citibank Credit Cards
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0
Citibank
No Citi @citi_no_more
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1 Star Rating
The worst card experience in my wallet: Within an hour of receiving the card in the mail, I activated it through the app and was prompted to add it to Apple Wallet. Great! Nope. "Please call us." 18 minutes on hold. Transfer. 12 minutes on hold. 2 minutes on hold. Can only verify identity if I already have another Citi account, so instead I have to wait 10 days for a USPS paper letter with a code to call back. Meanwhile? Card locked. Useless. Every other card in my wallet, including those from tiny local banks and major national cards, was added to Wallet in seconds. I'll never use a Citi product again.
Get answers to your questions about Citibank below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page. Ad Disclosure
To log in to your Sears Credit Card account, go to the card's webpage or the issuer's mobile app and enter your username and password in the appropriate fields. Then, click the “Sign On” to access your online account. If you don't already have an account, you will need to start by clicking “Register Your Card” in order to set up a username and password.
How to Log in to Your Sears Credit Card Account
Register your Sears Credit Card for online account access. Click “Register Your Card” and enter your card number, birthdate, and the last 4 digits of your Social Security number or Tax ID number to verify your credit card account.
Choose your Sears Credit Card username and password. The username must be between 5 and 50 characters, including special characters, but no spaces. The password must contain from 6 to 50 characters and have at least one letter and one number, and no more than two consecutive identical characters. The password is not case-sensitive and may contain special characters.
Log in with your new Sears Credit Card credentials. From the login page on the Sears Credit Cardwebsite or its mobile app for iOS or Android, fill out the User ID and Password fields using your new credentials, and click “Sign On” to access your account.
After you have signed up and logged in, you'll be able to manage your Sears Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Retrieve User ID” on the Sears Credit Cardlogin page. Then, just follow the prompts to reset or retrieve your username or password.
Please note that the Sears Credit Card may no longer be available to new applicants. Information presented on this page may no longer be accurate.
You can make Home Depot® Credit Card payment online, by phone, through the Citibank mobile app, by mail or at a branch. To pay your Home Depot® Credit Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Citibank does allow cardholders to set up automatic payments, too.
You can make Best Buy® Credit Card payment online, by phone, through the Citibank mobile app, by mail or at a branch. To pay your Best Buy® Credit Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Citibank does allow cardholders to set up automatic payments, too.
The Citibank CD has an APY of 0.05% - 4.75%. The interest you'll earn on your deposit depends on the term you choose. With term lengths ranging from 3 months to 5 years, you can select the CD that aligns perfectly with your financial goals. Here's a breakdown of the terms available:
3-Month: 0.05% APY
6-Month: 4.75% APY
1-Year: 2.00% APY
2-Year: 2.00% APY
5-Year: 2.00% APY
Each CD requires a minimum opening deposit of $500,...
You can find the Citi Double Cash Card login page on Citi's website. Everyone who has a Citi account can log in to manage their account there. There is no separate page for a Citi Double Cash Card login.
You can also access the Citi Double Cash Card login page from the Citi mobile app, which you can get for free for both iOS and Android. This is probably the most convenient way for you to manage your account on the go. You'll just...
“CBNA” is a credit report code that stands for Citibank North America. If you see CBNA on your credit report, it's probably because you have a credit card or loan with Citibank or you applied for one recently.
If CBNA showed up on your credit report out of the blue, check out WalletHub's guide on how to handle an unauthorized credit inquiry. You'll see the steps you need to take to make sure fraudulent accounts don't show up on your credit report...
To talk to Citibank customer service, call (888) 248-4226 and then enter your account, Social Security, or tax payer ID number. This process will get you in contact with a live Citibank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Citibank Customer Service by Phone
Call the Citibank customer service department at (888) 248-4226.
Enter your account, Social Security, or tax payer...
You can make Sears Credit Card payment online, by phone, through the Citibank mobile app, by mail or at a branch. To pay your Sears Credit Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Citibank does allow cardholders to set up automatic payments, too.
You can log in to your Macy's Credit Card account by going to the login page on the Macy's website or mobile app and entering your username and password in the appropriate fields. Then, click the “Sign In” to access your online account.
How to Register for Online Access on your Macy's Credit Card Account
Register your Macy's Credit Card for online account access. Click “Create Account” and enter your full name, date of birth and email address to...
Citibank's routing number depends on the state where you opened your account and the type of transaction you're making. For example, the routing number for international or domestic wire transfers is 091409571. For ACH transfers, your routing number depends on the state where you opened your account, such as 021000089 for New York or 266086554 for Florida.
You can find the routing number in the bottom left corner of your checks, online banking or the...
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We work hard to show you up-to-date product terms, however, this information does
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Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
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* The information about the following cards has been independently collected
by WalletHub: Sears Credit Card, Home Depot® Credit Card, Best Buy® Credit Card, Citi Simplicity® Card, and Macy's Credit Card.
