Which is the Best Cashback World Mastercard

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
Tubpbs
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Re: Which is the Best Cashback World Mastercard

Postby Tubpbs » Sun Sep 11, 2016 9:00 am

17thWhitePrince wrote:
Tubpbs wrote:What's wrong with the Citi DC?

I've actually heard lots of horror stories from people 'bout Citi's customer service and that's what drove me from Citi and towards Chase for a flat-rate c/c


Chase only has one MasterCard and it's the IHG card.

I've had Citi for 7+ years and haven't had much issues if any with anything.

What kind of horror stories? If you're just buying regular things on your card and paying your bill like most people, there's usually not much reason to interact with customer service at all. I've only called them a handful of times the entire time I've had accounts with them and most of those calls were questions I had about the Prestige and or the shipping time for the card after I applied.

What is the frequency and nature of your calls to customer service on your current card accounts?
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It


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CarefulBuilder14
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Re: Which is the Best Cashback World Mastercard

Postby CarefulBuilder14 » Mon Sep 12, 2016 2:47 pm

Tubpbs wrote:
17thWhitePrince wrote:
Tubpbs wrote:What's wrong with the Citi DC?

I've actually heard lots of horror stories from people 'bout Citi's customer service and that's what drove me from Citi and towards Chase for a flat-rate c/c


Chase only has one MasterCard and it's the IHG card.

I've had Citi for 7+ years and haven't had much issues if any with anything.

What kind of horror stories? If you're just buying regular things on your card and paying your bill like most people, there's usually not much reason to interact with customer service at all. I've only called them a handful of times the entire time I've had accounts with them and most of those calls were questions I had about the Prestige and or the shipping time for the card after I applied.

What is the frequency and nature of your calls to customer service on your current card accounts?

My Citi complaints (all since Jan 2016):

1. Clueless CSRs in general.
2. Disorganized shipping department. Somehow they thought my AAPlat card had been returned to them as undeliverable mail, when in fact it was still in the mail and hadn't reached me yet. I eventually got two AA cards which confused them further and I had to deactivate one.
3. IT problems. When I added a checking account to my CCs, a phone CSR messed up my online access and I had to go into a branch to fix it. And even in branch, it was not a quick fix. A branch employee was fiddling with the computer system for quite a while before figuring it out.
4. They also deleted my CC autopay settings when I got the checking account.
5. I'm not sure if this is the fault of Citi or Virginia Surety, but I've had to resend some Price Rewind documentation after they managed to lose the first digital copy. (How?)
6. After I applied for a checking account, I had to send in two separate rounds of extra documentation (which they could have asked for when I applied for the account in the first place).
*6b. They wouldn't accept an emailed copy of the documents, I don't usually have easy access to a fax machine, and the local branch has limited hours.
7. Some Price Rewind claims take months longer than they should. It was much more efficient until a few months ago. They don't always ask for documentation now, but when they do, they sit on it for a lot longer (or lose it).
8. Once a 10-15 minute wait time when I called the benefits department. No special treatment for Prestige customers there, I guess.
*9. Changing a CC due date is either impossible or involves bizarre restrictions.

I'm sure there are more I can't think of right now.

It's small stuff...but it's a LOT of separate things. Still, I've gotten decent value from bonuses/perks/credits.
Last edited by CarefulBuilder14 on Tue Sep 13, 2016 12:39 pm, edited 3 times in total.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

Tubpbs
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Re: Which is the Best Cashback World Mastercard

Postby Tubpbs » Mon Sep 12, 2016 7:56 pm

I think the clueless CSRs are everywhere but I agree that they are at Citi and less so at Chase, but for many years I've understood that I know much more than these reps at banks and CC companies etc and I expect no less.

The shipping issue I have experienced and I agree with. It's pretty odd and inexplicable.

The login thing is an issue but it's not CS related. It's because Citi Cards and Citibank were much more seperate than they are now or maybe they remain just as seperate. I also agree this is odd, but wouldn't be a big deal if the CSRs actually knew how to maneuver around it, which they do not at all.

The rest of the issues I think are regular CS issues, but I see how if you compound them all it can become agitating.

I suppose I just expect that from all of these companies at this point so it doesn't bother me as much as it maybe should...
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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CarefulBuilder14
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Re: Which is the Best Cashback World Mastercard

Postby CarefulBuilder14 » Tue Sep 13, 2016 12:27 am

Tubpbs wrote:I think the clueless CSRs are everywhere but I agree that they are at Citi and less so at Chase, but for many years I've understood that I know much more than these reps at banks and CC companies etc and I expect no less.

The shipping issue I have experienced and I agree with. It's pretty odd and inexplicable.

The login thing is an issue but it's not CS related. It's because Citi Cards and Citibank were much more seperate than they are now or maybe they remain just as seperate. I also agree this is odd, but wouldn't be a big deal if the CSRs actually knew how to maneuver around it, which they do not at all.

The rest of the issues I think are regular CS issues, but I see how if you compound them all it can become agitating.

I suppose I just expect that from all of these companies at this point so it doesn't bother me as much as it maybe should...

Well, I'm comparing the experience of setting up a Citi checking account to that of setting up a Discover savings account. Maybe that's not a perfectly fair basis for comparison, but it was much easier with Discover.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

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Re: Which is the Best Cashback World Mastercard

Postby 17thWhitePrince » Tue Sep 13, 2016 12:59 am

Tubpbs wrote:Chase only has one MasterCard and it's the IHG card.

I've had Citi for 7+ years and haven't had much issues if any with anything.

What kind of horror stories? If you're just buying regular things on your card and paying your bill like most people, there's usually not much reason to interact with customer service at all. I've only called them a handful of times the entire time I've had accounts with them and most of those calls were questions I had about the Prestige and or the shipping time for the card after I applied.

What is the frequency and nature of your calls to customer service on your current card accounts?


First, I was just looking for a flat-rate c/c for my "everything else" expense that doesn't fit under the other categories for which I already have cards for (so I had no preference as to a MC or VS)

Second, I was excited about the Citi Double Cash card when I first started researching flat-rate c/c's with the highest rate of return [(It was basically that one vs the M&T Bank Visa Signature with 1.5% CB) (I do not remember seeing or reading about the Chase FreedomUnlimited card at that time till I saw a TV ad for it)]

Third, when you research as extensively as I tend to do for something that I'll be excited to receive and have, you'll find that there are few sites I haven't checked out yet and fewer articles still that I haven't read. Not only did I research the card in comparison to others out there I also did research on the bank of Citi in comparison with others such as Chase and USBank and PenFed and M&T ect. I analyzed the rankings of banks with the best customer service. When it came down to customer written reviews I read darn near everything! All banks had bad reviews every now and again but when it came to Citi Bank those "bad" reviews came up more frequently and I read many a time how someone got so frustrated with Citi's customer service that they just basically said "no mas". I've read in a lot of places how Citi's CSRs are too often rude and misinformed about their own products and services. I even sent a email to NerdWallet about what I was finding and if I should be concerned about it or if I should just brush it off and get the DC anyway and they just told me that I could go with the Quicksilver from CO if I didn't want the DC (but they didn't put my mind at ease with that answer lol hahahaha ... I thought they could give me a more informed analytical based decision dependent on customer overall satisfaction of Citi and those that have had the DC and such but nope not my luck.)

and lastly, I only call CS when I need to ask something LOL nothing much hahaha!!
anyways my marvel and artvan cards are with synchrony bank and tho i saw a certain amount of not so good reviews online, I've had nothing but great things to say about their CSRs and the service I've received thus far.

But yeah Thx for your questions Tubpbs

(smiley-face)
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| EX 757 | TU 751 | EQ 745 | Total Credit Limit is $40,350

Only c/c not shown is 'ArtVan' which will be cancelled once it is paid off by Feb 2018

Future Possibilities - the Discover It card

Tubpbs
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Re: Which is the Best Cashback World Mastercard

Postby Tubpbs » Tue Sep 13, 2016 5:12 am

Just FYI - the reason I refer to MasterCard is because the last two words of the title of the post are "world MasterCard"
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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17thWhitePrince
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Re: Which is the Best Cashback World Mastercard

Postby 17thWhitePrince » Tue Sep 13, 2016 5:59 am

Tubpbs wrote:Just FYI - the reason I refer to MasterCard is because the last two words of the title of the post are "world MasterCard"

Yeah I understand now what you meant
ImageImageImageImageImage

| EX 757 | TU 751 | EQ 745 | Total Credit Limit is $40,350

Only c/c not shown is 'ArtVan' which will be cancelled once it is paid off by Feb 2018

Future Possibilities - the Discover It card

Nixon
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Re: Which is the Best Cashback World Mastercard

Postby Nixon » Tue Sep 13, 2016 6:35 am

Sallie Mae.
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CarefulBuilder14
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Re: Which is the Best Cashback World Mastercard

Postby CarefulBuilder14 » Tue Sep 13, 2016 10:41 am

Nixon wrote:Sallie Mae.

Are you suggesting Upromise? Or teasing OP about SM Rewards? :ppp
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG, Prestige (retention)
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt
SD with activity alerts, might close: Arrival

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech, BofA Travel PH, Aviator Red

Nixon
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Re: Which is the Best Cashback World Mastercard

Postby Nixon » Tue Sep 13, 2016 4:56 pm

CarefulBuilder14 wrote:
Nixon wrote:Sallie Mae.

Are you suggesting Upromise? Or teasing OP about SM Rewards? :ppp

Teasing.
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