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.
The best buy card is a great card very proud to have it and I do enjoy using it on occasion specially on Bargains and specials great employees great customer service the Best Buy credit card is an awesome card to have this is an awesome card
The card does what it says it does, but the app and the customer service are very dated and slow. It’s not a user friendly experience at all. I hope Citi improves its tech so that today’s experience can reflect the better reputation that Citi has.
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 the issuer's 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 “Retrieve User ID” on the Sears Credit Cardlogin page. Then, just follow the prompts to reset or retrieve your username or password.
The easiest way you can pay your Best Buy® Credit Card is either online or by phone, by calling 1-888-574-1301. Alternatively, you can make a payment via text, by mail, or at a branch. Citibank does allow cardholders to set up automatic payments, too.
Ways to Make a Best Buy® Credit Card Payment
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.
Phone: Call 1-888-574-1301 and enter your card information when prompted.
Text: Text PAY to 81964 using the mobile device connected to your My Best Buy Credit Card account. Then, you will receive a text asking how much you would like to pay and which payment account you would like to use.
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
Don't forget to write your credit card number on the check, too.
In store: You can make a payment at any Best Buy store during normal business hours.
If you choose to make a payment via mail, make sure to always send it at least 5-7 days before your due date.
The easiest way you can make a Home Depot® Credit Card payment is either online, or over the phone at (866) 875-5488. Alternatively, you can pay your Home Depot® Credit Card bill through the mobile app, by mail, or at a branch. The issuer does allow cardholders to set up automatic payments, too. Keep in mind that you cannot make a Home Depot® Credit Card payment in-store.
Ways to Make a Home Depot® Credit Card Payment
Online: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.
Phone: To make a Home Depot® Credit Card payment 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 from Monday to Saturday or between 7 a.m. and 12 a.m. EST on Sundays.
Mobile app: Use the issuer's mobile app for iOS and Android and select your card, then tap “Make a Payment.”
At a branch: You can make a payment at any Citibank (the issuer) branch during normal business hours.
Mail: If you want to pay your Home Depot® Credit Card bill by mail, send a personal check with your account number on the memo line to the card's payment address:
The Home Depot® Consumer Credit Card Payments Home Depot Credit Services P.O. Box 9001010 Louisville, KY 40290-1010
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 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.
How to create an online account:
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 make a Sears Credit Card payment online, by phone, by mail or at a local Sears store. To pay a 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. Sears Credit Card does allow cardholders to set up automatic payments, too.
Ways to Make a Sears Credit Card Payment
Online: Log in to your online account and click on "Make a Payment."
By phone: Call (800) 669-8488 and enter your card information when prompted, then follow the automated instructions to make a payment. There is a fee for payments made through a representative.
By regular mail: Send a check or money order (but not cash) to: Sears Consumer Payments O. Box 9001055 Louisville, KY 40290-1055 Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
Mail overnight payments: Send a check or money order (but not cash) to: Sears Consumer Express Payments Attn: Consumer Payment Dept. 6716 Grade Lane Building 9, Suite 910 Louisville, KY 40213