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 04/22/2021.
3.7
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Citibank
WalletHub @WalletHub
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Little difference exists between the Sears MasterCard and the Sears Store Credit Card, save for the latter’s limitation to Sears-family purchases and the fact that it requires only fair/limited credit for approval. But that’s not necessarily a good thing, considering neither card offers much. The Sears Store Card gives you an initial choice between a $10 gift certificate and deferred-interest promotional financing (http://wallethub.com/edu/deferred-interest-study/25707/ ). Beyond that, you get access to discounts in specific spending categories and a well-above-average regular APR. The best thing about the Sears Store Card is its lack of an annual fee. This enables you to invest in your credit standing without putting any money on the table. But the Sears Card is far from the only vehicle for low-cost credit improvement. With that in mind, it’s probably best to take a pass. Nevertheless, if you’d like to learn more, you can find a full breakdown of this offer in our complete Sears Credit Card Review: https://wallethub.com/edu/sears-credit-card-review/25964/.
Citibank personal loans are a good option for people with good or excellent credit. They offer competitive APRs, at 7.99% to 23.99%, and up to $50,000 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 reportedly 680, compared to 660 for many competing lenders.
Citibank has a bit of a stained reputation, with an F rating from the BBB and over 500 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% to 23.99%
• Origination fee: $0
• Late fee: $25
• Loan sizes: $2,000 to $50,000.
• Repayment periods: 12 to 60 months.
• Credit score requirement: 680, reportedly
• Minimum income requirement: $10,500
• Other requirements: Have a SSN, ITIN or passport 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 3 months.
• Reputation: Citibank has an F rating from the BBB, over 500 complaints filed against their loans with the CFPB, and a 3.7/5 user rating.
• Funding timeline: Up to 12 business days
• 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.
Citi Double Cash is undoubtedly one of the best cash back credit cards on the market. Customers really can't go wrong with 2% cash back on all purchases, though people with more specialized spending needs may prefer cards that reward specific categories. It's hard to top Double Cash's combination of a high cash back rate, no annual fee, and long intro balance transfer APR.
This card is a joke. When I got approved it took forever to get my card activated. Customer service is worthless. To top that off they closed my account abruptly. My credit hadn't changed since I got approved. I paid my balances off every month. Do yourself a favor and stay away from this company. Get GasBuddy instead you will get 5% off every time with no gimmicks. I will never do business again with shell or Citi this will be their loss because I spend roughly $300 a month on gas. ??
I made my payment 1 day earlier than the billing cycle and I paid more than due. I got charged a late fee and a past due notice as a result. You would think that paying early and extra would be appreciated yet it is not and the customer service on the phone is horrible. Almost impossible to navigate and computerized responses are not answers to what was asked. If you EVER get to speak to a real human, their responses are computerized.
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Product: Citibank Credit Cards
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Citibank
Stephen @stephenw_144
Using the Citibank card has helped my financial situation in a time of need. It has helped me to combine all debt and pay it off without adding a lot of interest.
This company should be ashamed of itself. When its data was breached, I found fraudulent charges on my account. I went through the process of reporting them. They took no action. They instead charged me interest for these fraudulent changes, lowered my credit limit, and refused to help me until the investigation was finished. That took 90 days. At the end of it, I still had to pay interest. When I demanded they return my credit line each representative said they had no power to do that and kept juggling me around departments. It took me 3 hours of being on the phone to speak to someone and they refused to fix the issue without pulling my credit. I had to fight tooth and nail to fix an issue caused by their own incompetence. Stay away from this company if you value your privacy, safety, and emotional wellbeing.
Card is horrible. No benefit to it. Never seems to mature. Tried it, credit score had been good the whole time. Payments in time, never offered unsecured.
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Product: Citibank Credit Cards
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Citibank
TRECIA FORBES @trecia_williams
I'd not used my credit card in a couple of years when it was hacked. Someone used it to make a purchase in Florida. However, I live in Arizona and have never been to Florida. The hacker wirelessly used the credit card to make a purchase at a health food store. When I called to report the hack I was assured that there would be an investigation and my funds would be refunded. However, that was in early March. It is now late April and I have yet to see that. I've called at least 4 times and talked to different people every time that asks the same questions every time but nothing has yet to happen as far as my funds being refunded. Every time I've spoken to someone, they tell me to wait a few days and I'll see the refund but that has yet to happen. In the past I've spoken to Ben, Paul, Ashley and another lady who's name I cannot currently recall. As a customer I am very disappointed in the way the situation is being handled and I am writing this review to warn others that this might possibly happen to.
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Product: Citibank Credit Cards
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Citibank
Michael Kasdaglis @dcswmk
Absolute nightmare! They have no email, their chat is useless, and they NEVER EVER Answer their phones. What is worse, they block your account without notice or explanation.
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Product: Citibank Investments
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Yes, the Costco Credit Card is worth it because it gives 1 - 4% cash back on purchases, you can use it anywhere Visa is accepted, and there's a $0 annual fee. So, it's pretty much a must-have for Costco members, if you can get it. You need excellent credit (a score of 750+) to qualify.
That's the short story. Below are some specific reasons why the Costco Credit Card is worth it:
Cash back on popular spending categories: You'll earn 4% cash back on certain categories. You'll also get 3% at restaurants and on eligible travel expenses, along with 2% at Costco and Costco.com, and 1% on all other purchases. Rewards get delivered once a year in the form of a certificate included with your February billing statement, and you have a year to redeem.
$0 annual fee: While you will have to pay $60+ per year for a Costco membership, you won't have to spend any additional money just to have the card.
$0 foreign fees: You can use your card on purchases throughout your travels, knowing that there are $0 foreign transaction fees on purchases.
Insurance: The Costco Credit Card provides several types of insurance at no extra cost to you. The travel insurance policies include compensation for emergency assistance and damage/theft of rental cars. Items you buy with your card can also be replaced/reimbursed with purchase protection, and you'll get extended warranties.
Cardholders can make a Best Buy credit card payment online by linking a checking, savings or money market account to their online Best Buy card account.
You can also pay a Best Buy credit card's bill in-person at a Best Buy store's customer service desk, using cash or a check. Or, you can call 1-888-574-1301 to make your Best Buy credit card payment over the phone. Make sure you have your card number nearby when you call.
You can make a Home Depot credit card payment online, over the phone, or by mail. Paying your Home Depot credit card bill online is the easiest option. Simply sign in to your online account and click the “Make a Payment” button. From there, you'll see your payment options and can enter the amount you want to pay, along with your bank account information if you haven't previously stored it.
To pay your Home Depot credit card bill over the phone, call the number on the back of your card (or the main customer service line, at 866-875-5488). You should call between 6 a.m. and 1 a.m. EST Monday-Saturday or between 7 a.m. and 12 a.m. EST Sundays.
If you want to pay your Home Depot credit card bill by mail, allow 5-7 business days for your payment to arrive. You should send a personal check with your account number on the memo line to Home Depot's credit card payment address:
The Home Depot® Consumer Credit Card Payments
Home Depot Credit Services
P.O. Box 9001010
Louisville, KY 40290-1010
You cannot make a Home Depot credit card payment in-store. Your only payment options are online, over the phone, and by mail.
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.
If you don't have an online account, it's pretty easy to create one. Just go to the login page and click below the username and password fields where it says, “Register for Online Access.” You'll then need to enter your card number, along with your birthdate and the last 4 digits of your SSN. Then you can set up your account and create a username and password. After you're logged in, you'll have full access to your account, allowing you to view your balance, see your transactions and rewards, make payments and more.
You can also access the Citi® Double Cash Card login page from the Citi mobile app, which you can get for free for both Apple and Android. This is probably the most convenient way for you to manage your account on the go. You'll just need to log in on the app with the same information you'd normally put in to the website login field.
