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
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 05/19/2022.
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.
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/.
stay away from this company believe me, i was client for around 3 years and I'm very disappointed. good thing my account now is close.
Product: Citibank Credit Cards
H L Melody @Bigskysurvival1
3 Star Rating
Average Credit account. We also have had business credit with them in the past. Helpful personnel. This card is there if we need it in emergency situations. Paid off as soon as possible depending on the amount. When possible within first 30 days. They offer 0% interest often so if we can use it then, we do. #savings #grow your FICO score.
Good for emergencies, but it's very expensive if you make a big purchase and don't pay it off immediately. Furthermore I've had this card almost three years with all on time payments with no increase in credit.
So I had a Citibank credit card. I had accumulated lots of points that I used all the time. Then I went to pay my payment, which I have never been late on, and my account said closed. All points gone! So I called and they said it was closed because I had a negative credit on my credit score. It had nothing to do at all with Citibank. I called and tried to dispute it. They were not helpful! Shame on Citibank!
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.
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.
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