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 06/13/2021.
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Citibank
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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/.
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.
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.
So far I can not make an online account. Keeps giving my errors. I’ve been wanting to make a payment but it says my card is incorrect
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Product: Citibank Credit Cards
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Citibank
Wendy To @hypercandy09
Horrible!! I called when I got a potential fraud alert. I already checked my transactions and nothing was wrong, so I called them to let me use my card again, but they were so not helpful. All I wanted was to verify my transactions and let me use my card. They only had 1 way to verify my account which was through my phone number. I tell them my number and they said it was wrong. I checked my account again multiple times to make sure I had the correct phone number on file and it was. They ask for another number but that is the only number I use. Then they say they are going to send me a physical letter to verify. I'm frustrated that they can only verify through phone number. What about social security? What about date of birth? or security question? or email on file?! Now I have to wait 4-7 business days to verify for something when nothing was wrong. I called twice to make sure and they say the same thing. I am going to switch banks after this.
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Product: Citibank Credit Cards
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Citibank
Dawn @lee_shaw
Not worth the hassle. hard to pay, complicated by phone, internet etc . This card is not worth the time it takes to pay your bill. The phone service stinks!
There are no fees associated with this card. Often there are excellent promotions that include 0% interest. The customer service is great. Their attitude is genuinely nice. I love this card!
This credit card does not have any fees other than a late fee if you are late. Customer service is great. Friendly staff, And over all they seem to care about their customers!
There isn't a Best Buy credit card activation fee.
In fact, with the exception of secured credit cards (which require a security deposit that serves as your credit line) and certain unsecured credit cards for people with bad credit, most credit cards do not charge any sort of activation fee. Many have annual fees, but the activation fee is more common with prepaid cards.
Visa credit cards offer extended warranties on many card purchases. You can find more information about the network's policies in our Extended Warranty Study (https://wallethub.com/edu/credit-card-extended-warranty-study/25686/).
Applicants generally need fair credit, which means a score of at least 620, in order to qualify for the Home Depot Credit Card. However, having such a credit score doesn't necessarily mean that you will get approved. Credit scores are an imperfect indicator for approval, as issuers typically modify publicly-available scoring models with their own proprietary screening criteria. They also take into account numerous factors that aren't necessarily incorporated into your score, such as your income and outstanding debt.
With that being said, you can get for free you credit score, credit monitoring and credit improvement tips, by signing up for WalletHub: https://wallethub.com/join/. Hope this helps. Best of luck!
