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 11/29/2021.
3.7
30,947 reviews
from WalletHub and across the web
30,947 reviews from WalletHub and across the web
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Citibank
WalletHub @WalletHub
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2 Star Rating
editor's review
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.
Unsettled charged we did not make. Contacted Citi-Card but they have NOT resolved our. It is a report that it is NOT our charge but a hack.
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Product: Citibank Credit Cards
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Citibank
yschou2014 @yschou2014
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1 Star Rating
Citibank robs money from your account without any shames! First they charged me $125 "legal" fees for processing a tax garnishment that was later reversed due to error from the Franchise Tax Board. Citibank refused to refund this $125 fees even though the Tax Board said the order was a mistake. They simply played dumb by saying they never received the fax from Tax Board that this was an error, therefore the $125 cannot be reversed. They also took $25 out of my account each month for 8 consecutive months, total of $200, without any alerts or notifications or reminders that my account has been below their required 10k balance. I said I don't remember about this 10K requirement, they said I signed Terms and Agreement. Then I tried to transfer my remaining balance to another bank so I can close my account with Citi, they blocked by not verifying my external bank account, once it was finally verified (after many days), then they limited any transfer amount to only $50 a day, making it an endless effort to get my money out so I can close my account. So I've been transferring $50 a day every day, until 5 attempts later they tell me I've exceeded my monthly limit. Not only there is a daily limit, now there is a monthly limit. Once I wait until the next month, then they can charge me another $25 monthly service fees. Unbelievable and speechless. If you don't call this thievery or robbery, I don't know what is.
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Product: Citibank Checking
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Citibank
Barbara @barbconnolly0722
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5 Star Rating
Verified Customer
Enjoyed free baggage allowance on flights @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@
I'm kind of irritated with them. My scores are about 800, and they gave me a decent limit when I got the card about 18 months ago. Since then, with the same scores and perfect payment history, I've asked them twice for credit line increases on a soft pull and they won't do it. On the other hand, BOA has granted me both times I asked them, which tripled my original limit. So I guess BOA gets my business...
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Product: Citibank Credit Cards
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To log in to your Sears 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 for Online Access” in order to set up a username and password.
How to Log in to a Sears Credit Card Account
Register your Sears Credit Card for online account access. Click “Register for Online Access” 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 Citibank website or mobile app, 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 “Forgot Password?” on the Citibank login page. Then, just follow the prompts to reset or retrieve your username or password.
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.
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.
The Costco Credit Card clearly is worth it when used responsibly by the right type of person. But since Costco will accept any card on the Visa network (plus cash and checks), you have other options.
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.
Ways to Make a Best Buy® Credit Card Payment
By phone: Call 1-888-574-1301 and enter your card information when prompted.
Online: Log in to your online account and click on “Make a Payment.”
Through the mobile app: Log in to your account and select your card, then tap “Make a Payment.”
By mail: Send a check or money order (but not cash) to My Best Buy® Credit Card Payments / P.O. Box 9001007 / Louisville, KY 40290-1007. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a branch: You can make a payment at any Citibank branch during normal business hours.
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.
Ways to Make a Home Depot® Credit Card Payment
By phone: Call 1-800-677-0232 and enter your card information when prompted.
Online: Log in to your online account and click on “Make a Payment.”
Through the mobile app: Log in to your account and select your card, then tap “Make a Payment.”
By mail: Send a check or money order (but not cash) to The Home Depot® Consumer / Credit Card Payments / Home Depot Credit Services / P.O. Box 9001010 / Louisville, KY 40290-1010. Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
At a branch: You can make a payment at any Citibank branch during normal business hours.
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.
