- Platinum Member
- Posts: 93
- Joined: Wed Aug 17, 2011 10:53 pm
- Location: USA
My second/third favorite card and one of my cards with the lowest APR is my Citibank Dividend Platinum Select. When it still had the old tiered rewards program (it still has the tiered rewards program, but it rotates, now, and I hate having to keep track of it), it was one of the best personal cards I owned and I paired it up with my Costco True Earnings business card.
Before everything was outsourced and before their customer service line utilized the newer voice recognition system, the customer service was more consistent in terms of quality. Their customer service - where not stellar but not poor - is sometimes hit and miss in my opinion and I have gotten differing responses on different subjects from different reps.
Like with most card companies, the longer your loyalty, the easier the communication and so despite my gripes about the call centers and differing information, I have always been given generally very good service and have been treated respectfully - even when calling about enrolling into a hardship program.
I think Citi learned a lesson from the housing bubble, and so they have tightened their credit lines and have been more cautious about extending credit - even to their longer-time customers - unless you really have excellent credit. And even then - for example, when I only had one stream of income that wasn't terrificly steady, but I had an 800+ on my credit score - they sometimes will still play on the conservative side. That, I don't think is necessarily a bad thing as it shows that perhaps the company is trying to be more responsible.
CitiBANK itself (at least MY branch) has always been very polite and respectful and good on their words and information.
AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)
AMEX: Costco True Earnings
VISA: Chase Ink Cash