jcarte29 wrote:I have been on the sidelines for a while, allowing my new cards from 2014 to age a little bit (I went app crazy that year), and only added two cards (Discover, Marriott) in 2015. So the other night I took advantage of a 21 month B/T offer with Citi on the Diamond Preferred Card.
I read Citi was one of the better (and longest) for B/Ts, and they have good customer service. After I pay it off I could see it as part of the rotation.
Any Citi members have any tales, good or bad, to share?
I have three Citibank cards; a 1998 Diamond Preferred Visa, a 1999 Thank you Premier (was an AT&T Universal) World Elite MasterCard and a 2000 Dividend World Elite MasterCard.
Over the years I have found Citibank to be an agreeable bank. They allow product changes with ease-once they account has been opened a year (except Simplicity, from what I understand they are not able to be upgraded); generally will at least check for APR reductions (they refuse to give them to me but did in the past and currently other customers) and their soft inquiry credit line increases are great-they tend to be smallish but over time add up.
I no longer call their 1-800 number on the back of my cards as I always get a foreign representative (I know, a lot of banks do this) that is difficult to understand and does not have the authority to do much to service my requests (this is true with most banks as well). However, I have since turned to their social media teams on Twitter and Facebook and have been very impressed. Only the best, senior reps can be on the social media team so you know you are getting someone from the States that can assist you.
Another thing I like about Citibank is that they often times are the first bank to bring new technologies to market. My Dividend was my first EMV chip card; got it in June 2011 with no hassle long before other banks even offered them or only offered them to high wealth clients.
Citibank has also really stepped up their game recently in terms of rewards. ThankYou points, while still third place behind Chase's Ultimate Rewards and Amex's Membership Rewards, have become a lot better and easier to use. Then of course there is the Double Cash card that offers 2% cash back.
My only complaint lately with them is their card designs. Citibank has recently redesigned almost all of their cards to be un-embossed with the information on the back. I really do not care for that; when Chase does it I do not mind because it looks upscale, but the Citibank cards not so much. This is subjective of course. I am also anxiously awaiting to see what happens with my Visa. Citibank recently signed an agreement with MasterCard that is similar to what Chase signed with Visa. Chase changed all existing MasterCards (expect IHG) to Visa so I am hoping that Citibank will not change my Visa to a MasterCard. It was my first Visa and I have grown attached to the account number.
I think there are way better cards out there than what Citibank has to offer for the most part; but I think you will be happy with Citibank overall. Do not forget about Citibank's online shopping mall and be sure to check the offers on your account. These work similarly to BankAmerideals and the Amex Offers. I have to admit though that Citibank makes it hard to locate these offers on their website.