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 they need... 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 05/13/2026.
Citibank personal loans are a good option for people with good or excellent credit. They offer competitive APRs, at 9.99% - 17.49%**, and up to $30,000 in funding. 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 584 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:9.99% - 17.49%**
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.
Reputation: Citibank has an D- rating from the BBB, and over 584 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 for most customers when deposited directly to a Citi® bank account or within 2 business days when deposited directly to a non-Citi® bank account
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
4.6/5
Requirements & Application
4/5
Reviews & Transparency
1.5/5
Overall Score
10.1/15
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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10
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
sandi_lynn_slm6 @sandi_lynn_slm6
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1 Star Rating
Citi has terrible customer service. Almost impossible to reach a human. The two I did speak with gave me incorrect information. Would not recommend. After years with Chase and American Express cards I expect better from a credit card
They don't have any employees' that can help you in America. Cancelling this card.
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Product: Citibank Credit Cards
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Citibank
lafleurconn @lafleurconn
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1 Star Rating
I have been a responsible citi bank credit card holder since 1991. This huge company has refused to give me any leeway on my interest rate yet I have and will continue to pay down my balance faithfully!! I am old and retired and this huge company still won’t work with me! I recommend that people never get trapped with this! Citi Bank is not fair to faithful customers like me! I wish I could give them a negative 10 rating on Google. signed TCL
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Product: Citibank Credit Cards
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Citibank
Tammi Wallace @tammil196844
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1 Star Rating
Please do not use this card, I have had my Citi Best Buy Card for 10 years or more. I have used it on an off through the years. I just started using it again, and it was not a problem until I changed my telephone number. Now I cannot verify who I am all of a sudden. I have received 3 letters with codes and now they want to send me another one. I would rather close the account. Citi cards are forthe birds!!!
Worst credit card company. Even with excellent credit it was like pulling teeth to get credit limit raised. They then refused to issue other cards. Phone representatives were useless and since closing my card with them they act like it's personal and will not open cards. I paid everything ahead of time with excellent credit and they treated me like trash
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Product: Citibank Credit Cards
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Citibank
Marjie welsh @lightning17
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1 Star Rating
90 minutes on hold on number on back of card trying to find out why a charge didn’t go through. This is terrible customer service service. Tried another number from website and that’s been on hold 25 minutes. Shouldn’t they be able to afford customer service reps?
I opened a Citibank Checking account about a month ago because I have been doing some GIG work to supplement my fun time. I reccently lost my wallet and al l my vards except the Citibank card because I normally don't carry it arround. So i had to Zelle funds from my main account to the citi account. This is where is gets crazy and literaaly makes no sense 1. First there is not a citi branch within 50 miles of of my address (home or work), my bad I should have reseaarched more than I did 2. I was in the post office to make a purchase and it was declined. I called the bank because I have literaaly sent all my bill money to this account so that my bills won't be late while I wait for my card to my main account. I was told a bunch of nonsense basically then she finally said to Zelle the money or go to ATM, DAH the ATM limit is $500. Anyway at this point I am frustrated and just say have a good day. 3. So ok I will Zelle the money to my kid so that she can get what I need from the post office, but yet again daily limit, 4. Okay what have I gooten myself into. 5. Just got off the phone with them because now there is a fraud review, so I am on the phone done verified everything down to the color of my nails and was told I had to wait 72 before I can have access to MY MONEY. SO I say to him what if I was getting put out of my home unless I paid immediately, you think they would care when I say to them I have to wait 72 hours to access MY MONEY. That answer would be a resounding NO! So basically, to is Wednesday, even if my main card comes in the mail tomorrow there is nothing I can do because my account is FROZEN.Never have I heard that a person has to wait 72 hours to access their own funds. I apprecite the draud protection, bu normally after you can verify ever transaction on the account since opening it, WHY! As soon as I can get to the branch hat is 49.6 miles from my home address I am closing this account.
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Product: Citibank Checking
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Citibank
beth0422 @beth0422
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1 Star Rating
Horrible security against fraudulent charges and customer service is no help whatsoever. Citibank billed me for late payments on multiple fraudulent charges which ultimately resulted in my credit rating dropping almost 100 points. Do not trust Citibank!!!!
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Product: Citibank Credit Cards
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Citibank
mscamarogirl97 @mscamarogirl97
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1 Star Rating
I made my payments on time this month totaling 140.00. They took that plus took out another 190.00. I paid twice in May!
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Product: Citibank Credit Cards
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Citibank
Mahesh NG @Emjay1
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1 Star Rating
This credit card is a SCAM. even they advertise that they do not charge interest. They charge it.
Worst customer service I have ever dealt with on anything. If you want to be able to talk to someone about your account DO NOT get a Citi Card.
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Product: Citibank Credit Cards
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Citibank
maria gaid @acauzo86
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1 Star Rating
I had a very frustrating experience with Citibank overall.
After depositing legitimate proceeds from a real estate transaction, my account was suddenly restricted. I provided all requested documentation and fully cooperated, but the process that followed was extremely slow and unclear.
I was informed that my funds would be returned within a specific timeframe, but that timeline passed without any resolution. I contacted Citibank multiple times and received inconsistent information, with no clear explanation or confirmed date for when my funds would be released.
Throughout this process, communication was poor and required constant follow-up on my end. Despite the funds being confirmed and not in dispute, I was left without access to them for an extended period.
This situation caused significant inconvenience and stress, and it should not take this long to resolve something so straightforward. I hope Citibank improves how they handle account restrictions, customer communication, and timely access to funds.
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Product: Citibank Checking
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Citibank
TaraAkinsSLC @TaraAkinsSLC
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5 Star Rating
I have been with Citibank for two years now. I previously used WaFd (a total joke), Wells Fargo (the absolute worst), US Bank, Chase, and a local credit union, but Citibank gives the most grace when it comes to any hiccups with charges hitting your account. They even refunded $1200 earlier this year when a company in the Ukraine launched an attack on a lot of US accounts, when most other banks were refusing to reimburse these charges. I moved out of state to Salt Lake City, and there is no way to make cash deposits since they don't have brick & mortar branches here, but I still prefer them over all the others and plan to stay with them for life.
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Product: Citibank Checking
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Citibank
Dee Bee @ddbuckley4
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2 Star Rating
New card for the balance transfer and 0% interest option… The worst customer service I have ever received from a credit card company. Everyone has been (basically) polite…it has nothing to do with that. It has to do with lack of information and lack of clarity after verification process. They will not text my phone number for verification (I finally learned today because it is a cell phone … in this day and age??! ) so I have to have a second phone in order to answer… I don’t even have a landline here! They do not answer your questions in one department, so they are short rushed and send you back-and-forth between departments. It is the craziest thing and my card remain locked for days, even though I had been told it was cleared… This is craziness! I’m the balance transfer has taken almost 2 weeks to clear for some other type of validation, which I also do not understand. going to pay it off when the balance transfer comes through and I’m going to close the card. Waste of my time and energy!
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 Citibank credit card account, go to the login page on the Citibank website or 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” in order to set up a username and password.
How to Log in to a Citibank Credit Card Account
Register your Citibank credit card for online account access. Click “Register” 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 Citibank username and password. The username must be between 5 and 50 characters, including (specific or certain) special characters, and no spaces. The password must contain from 8 to 64 characters and have at least one uppercase letter, one number, one lowercase letter, be different from your User ID, have no spaces, no digital images or icons, and no more than two consecutive identical characters. The password is case sensitive and must contain at least one special character.
Log in with your new Citibank credentials. From the login page on the Citibank website or app, fill out the User ID and Password fields using your new credentials, then click “Sign On” to access your account.
After you have signed up and logged in, you'll be able to manage your Citibank 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, you can reset or retrieve your username or password by clicking “Forgot User ID or Password” on the Citibank login page and follow the prompts.
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.
You can make a Home Depot® Credit Card payment online, by phone, through the Citibank mobile app, by mail or at a branch. To pay a 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 a Best Buy® Credit Card payment online, by phone, through the Citibank mobile app, by mail or at a branch. To pay a 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 log in to your Citi Double Cash® Card account by going to the login page on the Citibank website or mobile app and entering your username and password in the appropriate fields. Then, click the “Sign On” to access your online account.
How to Register for Online Access on your Citi Double Cash Card Account
Register your Citi Double Cash Card for online account access. Click “Register” and enter your card number, birthdate and the last 4 digits of your Social...
“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 verify...
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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.
