Citibank Checking Account Bonus of $400

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mountaindewvoltage
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Re: Citibank Checking Account Bonus of $400

Postby mountaindewvoltage » Thu Oct 13, 2016 10:45 pm

CarefulBuilder14 wrote:It took a chat and two phone calls to activate my checkbook. During the chat and first phone call, it was clear I was getting CSRs whose understanding of English didn't extend to basic banking concepts. I got someone competent on the second call.

Cheap, unhelpful phone support is a bad idea if Citi wants to keep customers...like me....short-term, $400-seeking people with no intention of loyalty...

The banking world has some unusual incentives...

[Fixed]


I used to have a checking and savings account with Citi. I still have a Double Cash card through them.

Their customer service is worthless in my opinion, especially the chat reps. They are at the mercy of a machine to make their decisions for them.

I don't think I've ever talked to a front-line rep that ever spoke English at that company and I've been with them for over two years.

I remember a short while ago in an e-mail they told me MasterCard Paypass was being phased out... I guess contactless technology is being "phased out" all across the world according to their own little fantasy world.

One transition I'm making with my financial portfolio is getting is doing nothing but businesses that have 100% American based customer service, i.e: Discover and my credit unions.

If I don't get rid of my Double Cash, it may be product changed to the Prestige solely for the benefits and nothing else since my current profile doesn't support getting a Chase Sapphire Reserve or AMEX Platinum at this time.


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CarefulBuilder14
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Re: Citibank Checking Account Bonus of $400

Postby CarefulBuilder14 » Fri Oct 14, 2016 12:08 am

mountaindewvoltage wrote:
CarefulBuilder14 wrote:It took a chat and two phone calls to activate my checkbook. During the chat and first phone call, it was clear I was getting CSRs whose understanding of English didn't extend to basic banking concepts. I got someone competent on the second call.

Cheap, unhelpful phone support is a bad idea if Citi wants to keep customers...like me....short-term, $400-seeking people with no intention of loyalty...

The banking world has some unusual incentives...

[Fixed]


I used to have a checking and savings account with Citi. I still have a Double Cash card through them.

Their customer service is worthless in my opinion, especially the chat reps. They are at the mercy of a machine to make their decisions for them.

I don't think I've ever talked to a front-line rep that ever spoke English at that company and I've been with them for over two years.

I remember a short while ago in an e-mail they told me MasterCard Paypass was being phased out... I guess contactless technology is being "phased out" all across the world according to their own little fantasy world.

One transition I'm making with my financial portfolio is getting is doing nothing but businesses that have 100% American based customer service, i.e: Discover and my credit unions.

If I don't get rid of my Double Cash, it may be product changed to the Prestige solely for the benefits and nothing else since my current profile doesn't support getting a Chase Sapphire Reserve or AMEX Platinum at this time.

If I have a serious problem with something, there's a local branch I can go to.

Every now and then I call the concierge or benefit specialists about something, but I do try to avoid the general customer service department.

Citi customer service is very hit-or-miss. Keep in mind that some of Citi's idiots are American.

Can you meet the minimum spend for Prestige? Or you really want to avoid new accounts? I'm considering the opposite move of eventually PCing a Prestige to DC.

Which Prestige benefits are you hoping to use? It still has the best terms for delay insurance (yes, better than CSR), and 4th night free will still be good...quite possibly improved if you can stack it with a hotel's own 4th night free policy.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

mountaindewvoltage
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Posts: 132
Joined: Mon Oct 10, 2016 8:40 pm

Re: Citibank Checking Account Bonus of $400

Postby mountaindewvoltage » Fri Oct 14, 2016 12:37 pm

CarefulBuilder14 wrote:
mountaindewvoltage wrote:
CarefulBuilder14 wrote:It took a chat and two phone calls to activate my checkbook. During the chat and first phone call, it was clear I was getting CSRs whose understanding of English didn't extend to basic banking concepts. I got someone competent on the second call.

Cheap, unhelpful phone support is a bad idea if Citi wants to keep customers...like me....short-term, $400-seeking people with no intention of loyalty...

The banking world has some unusual incentives...

[Fixed]


I used to have a checking and savings account with Citi. I still have a Double Cash card through them.

Their customer service is worthless in my opinion, especially the chat reps. They are at the mercy of a machine to make their decisions for them.

I don't think I've ever talked to a front-line rep that ever spoke English at that company and I've been with them for over two years.

I remember a short while ago in an e-mail they told me MasterCard Paypass was being phased out... I guess contactless technology is being "phased out" all across the world according to their own little fantasy world.

One transition I'm making with my financial portfolio is getting is doing nothing but businesses that have 100% American based customer service, i.e: Discover and my credit unions.

If I don't get rid of my Double Cash, it may be product changed to the Prestige solely for the benefits and nothing else since my current profile doesn't support getting a Chase Sapphire Reserve or AMEX Platinum at this time.

If I have a serious problem with something, there's a local branch I can go to.

Every now and then I call the concierge or benefit specialists about something, but I do try to avoid the general customer service department.

Citi customer service is very hit-or-miss. Keep in mind that some of Citi's idiots are American.

Can you meet the minimum spend for Prestige? Or you really want to avoid new accounts? I'm considering the opposite move of eventually PCing a Prestige to DC.

Which Prestige benefits are you hoping to use? It still has the best terms for delay insurance (yes, better than CSR), and 4th night free will still be good...quite possibly improved if you can stack it with a hotel's own 4th night free policy.


Called last night. They said I could product change to anything I want.

When I asked about the Prestige, they almost went ahead and started reading the disclosure, and then said, "oh I'm sorry, you need a min $2,000 credit line to get that card." I have a $1,500 credit line right now. They won't even give me the extra $500 while I give them $450 more per year. It's too bad for them because they said the same thing about the ThankYou Premier, so now I'll probably just close my account because I have no use for the Hilton cards, the AT&T card, or their crappy AAdvantage cards.



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