Why I don't Own Any Citi Credit Cards
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- เผยแพร่เมื่อ 10 พ.ย. 2024
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CITI offers cards across all venues. I have three. Never had a problem, give increases, site easy to use...
Are your 3 Citi cards have different credit limit? Or those cards have shared credit limit?
@@meshiedemikz4231 CITI have different credit limit, but their credit cards now are completely bullshit except for citi double cash. Go with Chase and Amex instead.
I like Citi a lot. Decent starting limits, good sign up bonuses, easy to get CLIs, random offers pop up often like getting a 0% period on an older card, etc. For me they are great.
Citi gave me a 3k starting limit. Chase and capital one gave me 30k plus starting limit.
@@romangabriel007 capital one cards are trash
@@romangabriel007 yea yea...
@@romangabriel007 cap, capital one is complete garbage w credit limits
u sure? they will charges you even after closing the accounts. Good luck!
Crazy how companies will be publicly called terrible and they make no effort to improve. How do companies who get so much flack just remain the same? That's terrible for business.
Double Cash's cash back can be converted to Thank You Points, which can be valuable for some people. Also the Citi Costco Visa has good cash back on gas and dining.
Citi has been great....intro period 12months started with 5k now at 9500 credit limit been with a little over a year. No issues!!!
Citi seems currently to get an *F* grade from the BBB. I would think it's pretty difficult, even for a bank, to achieve this distinction. They must really be making strenuous efforts to treat customers badly! BBB notes that the "F" is for non-responsiveness to BBB consumer complaints and 2018 lawsuit brought by many US states alleging Citi fraudulently manipulated the value of a benchmark used to determine lending rates.
No one seems to talk about it much but the Citi Costco Anywhere card is a great card for no annual fee. Lots of cash back categories!
Waiting for that citi custom cash video from you.
Same lol interested in that card but i heard they do two hard pulls for newer applicants.
Waiting for any credit card videos. Only making videos on crapto and stimulus checks now.
I have a Citi Plat American Airlines card and I love it. Considering I fly a lot on American it waves my baggage fees, priority boarding, gives me 25% OFF purchases, and I usually get a $125 airline credit every year.
My Citi Double Cash card has been great 💪🏽
Byron Gomez Jr mine as been great too ...did you get it funded ?
You won't be screwed if you make your payments on time. 💁🏻♂️
I'm a regular guy who always pays on time. FICO on Citi right now is 816. I have 12 total cards 3 are Citi, Thank You for 14+yrs. Always had great customer service, no hassles, good CLs. Might not be the BEST to some ppl, but works for me. Maybe those not happy are bringing it on themselves. Haters gunna hate. Just sayin'.
If you don't get the Citi Costco card for the sign up bonus you are missing out. I don't what they are giving now but I got a free 5 gallon pail when I signed up. Highly recommend it!
The bucket still works. i use it almost every day.
Daniel Iles now when you open a new executive membership at the same time you get $60 back 🤷🏼♀️ they run promos for free coolers and stuff too. I have the cooler and it’s awesome
What is a 5 gallon pail?? What is it used for?
The Costco Visa is IMO their best card. 4% back on Gas, 3% on Restaurants/Travel, 2% at Costco, 1% everywhere else. A lot of the benefits slashed on their other cards were kept for the Costco VISA. It was an instant 4K limit approval for me as my first CC with only a car loan on my credit report. I was able to pull in over $200 in cash back the first year 🤷🏼♀️ 50% cli after 6 months. not bad for a free card. Citi does have a nice App though.... now that I’m further into the Cc game, it’s still my Gas and Costco card. 4% back on gas is definitely up there.
My first ever card was the Costco Citi Visa, long before I ever started learning about any of this stuff. It has honestly been a solid starter card and I still use it for gas as well as Costco purchases. I don't expect to get another Citi card in the future based on their offerings, but would definitely consider otherwise if they came out with something great.
Agree, same situation here, plus no ftf, and warrenty protection.
@brianjung @KC I agree, I use my Costco Citi card for gas and Costco purchases. Saving 4% on gas on top of it being the cheapest gas in town. I don't see anything matching that. Also, I have noticed when I have any questions about anything ill hit the chat button in my app and they have been the quickest to answer me and give me solid answers instead of some of the chat on other cards they just suggest things and your not even talking to someone.
I've never had an issue with citi. I think they're awesome. Especially, when I travel
You should do an in-depth video on their cards! I think a greater audience would be interested in hearing all about it.
Yes!
This credit card churn world is a freaky and weird sub-genre of personal finance.
Citi Premier earns enough points for a family of 4 to fly round trip to hawaii.
Citi AA cards can get you an east almost 200k AA miles which are very valuable.
Getting Citi After chase and before amex is the typical strategy for maximizing sign up bonuses.
- true, i just got the citi premier b/c we do alot of road trips so i can rack ty pts & use the hotel benefit. also had the citi DC and loved that card. no issues.
Good points, thanks for insight!
I have the city double cash and it has been great for me I've made several $100 thank you but great video I've never missed a payment.
I have never been screwed by Citi. I currently hold the Citi Costco & Prestige cards. Generous credit lines (over 40k in combined CL), easy CLI request (no HP every 6mo.), great offers, and never had a bad customer service experience.
I was approved for my first Citi credit card 9 years ago. Overtime I was able to PC from Diamond Preferred > Hilton Reserve > Citi Prestige ..while keeping my credit history. No hassle, no "same family" rule.
Although they've slashed a lot of the benefits on the Prestige, I still make up the annual fee (plus more) with the Travel credit & 2x 4th night free credit... and they recently made the metal card heavier (same weight as the Amex Platinum) and added contactless (if you like that kinda stuff)
I did miss my payment due date recently. Called CS and simply explained that I "forgot", and was refunded the late fee due to being an "excellent customer since 2011!" Again, no hassle. Reasons why Citi is still a keeper for me :)
And they will even waive off the interest charges if you make your payment in full.
Don't know about Citi in the States but they're great here in the Philippines
Citi is better than Capital One! There’s that! 😆
because of your videos, I applied for a propel wells fargo card and got approved for 6000 dollars. was not aware that credit card companies were looking to give more approvals for credit during this virus economic downturn. Otherwise I would not have tried to look for more credit assuming that the banks were tight at a time like this.
Andrehacks01 on IG funded my credit card
Citi is great. Auto CLIs every 6 months. All my citi cards are at 10k with ease. Everybody else is cheap.
Zeus 0886 yea so as mine too ...mine is at 20k and I got it funded
Citi dbl is my main daily, I don’t spend enough to make other cards worth it for travel points.
You could get the premier $95 annual fee. Convert the cash back to points. $1 = 100 points.
If you don’t have credit citi will not approve you. I love discover card!
Miss desire Independance try capital one they give anyone credit
@@iphone3gsdivine capital one sucks. I've had 2 cards with them for 10+years and never made a late payment, always paid more than minimum balance and paid in full within 2 billing cycles, yet I was never given a credit increase after requesting one. They just canceled one of my cards for inactivity after 2 years, an oversight on my part, but I was never issued a warning email that they were going to shut the account. When I called they told me they couldn't reopen the account and I'd have to apply for another card. Conversely, I've had nothing but stellar service from Discover: credit increases, friendly customer service, dependability.
Discover is the bomb. Love that company.
Is it true that they only approve for 500 to start? I have 690 but don’t want to risk knocking down 5 points to apply for a measly 500. Like would they approve me for 3,000?
@@justinkredible33 try Capital One's pre approval first.
Fire vid fam thanks to you I’m 21 with 5 ccs and a 747 credit score
I got a qualifying offer in the mail for the double cash card with a 4k limit with only 3 months of credit history. There ok in my book.
This is good stuff. I have no Citi cards and don’t plan on adding any ever. You’re right they’re not complete trash but at this point I’ll get zero value from any of their products
I don’t see how Citi could ever compete with Amex and/or Chase. I think the DC card is a basic everyday card if you want a simplistic platform
Yes, Amex and Chase make Citi look ratchet! lol
This video would pop up after I just signed up for one of there cards.
Marvin Frenel lol same here
Citi is a great credit issuer and have lots of perks.
T Gavin really can you explain?
As long as you never travel, or use your card you shouldn't have any problem. The moment you start doing anything besides going to walmart they'll block your card, if you leave the state they'll block your card, if you have an 'abnormal' transaction they'll block your card under the guise of it being 'security'. Or in my case they'll reassign you a 'new' card they chose to change you to, not send it, then when you say they didn't send the card they cancelled my card, not sending the card they promised. Then tell me they have to re-run your credit to reissue the active card you already have lol, what a bunch of shit. I'll be first in line when the class action lawsuit comes, I might even start it.
you are joking. Citi has good billing reminders. never had any issues
My Citi Simplicity card was my second card after Cap1 and they started me out with a huge limit and 2 years later it is still the highest limit in my wallet. The just keep throwing limit increases at me!
How long did you have the Capital One before you got the citi card? I'm looking to get a second card and I'm really interested in the citi custom cash. But I'm scared they won't approve me cuz I don't have a long credit history.
@@amberallen9287 I only had it for about four months but it is a Simplicity card, no points. The good news is that it now has a limit ten times that of Cap1
Why do they throw limit increases at you? Do you have really high income or credit score, or do they tend to do this for most people? And how often do you get them?
@@KP99 My income is modest and my score around 750. I have never really understood how banks set their limits as two of my cards are below 2k and refuse to go higher, and four are nearly 10k to well over. Makes no sense. I do hope things will change now that BBVA has been bought by PNC
Citi Wok
Love the Costco Card. That’s about it though.
Casey Burns Investing Take a order prease
I use the Citi American Airlines card because I fly through an AA hub frequently and my home airport has an Admirals Club too. I frequently use the card for dinning and earned over 50,000 miles last year and I’m on pace for 75,000 miles this year.
If it wasnt for costco, I would not have a citi card. But, the citi costco card is my daily unless I am working on a minimum spend on a new card.
Citi costco is 4x back for gas (and they offer the lowest price in my area), and 3x for dining and 2x for travel and 2x back at costco purchases.
For convinence, it's the best all around card.
Hi Brian, yes! my Citi credit cards have been good to me!
1. Discover, BoA and Capital One also have business models focused on lend rather than spend (meaning they make more of their profits off customers who get into debt then merchant fees).
2. As you noted all the banks are trending down on benefits and even the exact same ones that Citi is cutting.
3. For someone who is looking to get value from spend without calculating point valuations at transfer partners (only the enthusiast covers their annual fee) or churning through new sign up bonuses every month (when minimum spend doesn't mean being frugal) it's hard to beat the Citi double cash card.
Smashed that like button...
Even though I'm Canadian and can't get Citi cards hahah
You are absolutely correct buddy. I used to have citi double cash and citi AA, cancelled both. They only treat rich people good. The sad truth is I used to have a lot of money with them and I am becoming poorer and poorer
I have 2 citibank credit cards: the citi reward + student credit card (mastercard) and the costco anywhere rewards credit card (visa). I use the rewards + to rack up thankyou points to get giftcards for birthdays and christmas presents. I use my costco anywhere rewards to mainly shop at Costco and get two cash checks every year (free executive membership if you pay the annual fee of $120; Costco will pay $60 so you only owe $60 but if you add an additional user (which is free and can be anyone) you can charge that person half of the membership fee of $60 which pays for the remainder of the membership. Essentially you don't owe anything annual fee or membership fee because it pays itself. Anyway, I like that their graphics on some of their cards such as the ones mentioned above are semi-holographic which adds to the prestige and coolness factor. However, it's not truly 3D or holographic. I think they should also make the switch from mastercard to visa so they could add premium features, services and amenities with the addition of visa signature and visa infinite. Also, they should make their higher model cards out of premium metal and add competitive features, services and amenities, and bonuses so they could compete with Chase and American Express. I think they have a good foundation so far, they just need to tweak a few things and add some new things.
I have a Citi premier. 3x the points on travel and restaurants for the first year. $95 dollars fee after the first year.
I treat it like my debit card.
It's good for the 2% cashback especially if you don't spend enough to make a travel card worth it. I use mine in orbit to my discover it 5% cashback calendar rotation.
I have to disagree with you again Brian. Citi isn't trash about as good as BOA & WF. Im not saying top tier like Amex or Chase but they're better than Cap1& Discover. We all know your into Chase Business Card and everything Amex but you can't dog every other issuer.
Andrehacks01 on IG funded my credit card
Citi and Discover are the only issuers that have a regard for my name. Capital One, butchers it. Amex has chopped my name to the point were only letters can read as my name. Chase? I don't even want to talk about how my name reads on the "Pre-qualified" letters, I just want to poke my eyes out when the recipient's name is read and they infer that that is me.
So far, I've had a good experience with my Platinum AA card, and double cash.
Having Turkish Airlines as a transfer partner is worth having Citi TY points alone. 7500 points to anywhere in the country including Hawaii!
Miss a payment and Antifa shows up at your house! lol
Citi is not a sub-prime issuer. 99% of their cards are A+ credit.
Citi AA cards are great since they offer a personal version and a d business version. You can easily get 130k to 150k AA points depending on the offer.
The welcome bonus of Citi premier/aa/prestige is good and that is enough.....You can always product change to double cash after one year.
I have yet to add a Citi card to my credit card portfolio. Sounds like we have very similar perspectives and opinions about that one. I’m a big believer of customer satisfaction 👍
HAVING A CREDIT CARD IS JUST VERY SIMPLE.. BE RESPONSIBLE..
citi costco card has been great ,, also the citi business cards also repot to commercial credit , its an advantage if you want to build businesss credit , not many i mean not many credit cards do it,, just a very few
I love your videos!!! Thanks! Definitely needed this information
Citi is known for being focused on the highest tier client ie. $25M +.
Never had a problem with Citi, or the customer service department.
Andrehacks01 on IG funded my credit card
Citibank is horrible. I went to Europe and informed them I was going because it was the card I used. I told them when I was going and when I was coming back. About 3 weeks after I came back fraudulent charges showed up on the credit card. They will never have me as a customer ever again.
Well you can always reach out to the customer service and mark the charges as fraud and you will get all the amount credited back to you within 5-7 business days as Citi card comes with 100% fraud protection and you are not liable to pay for any fraud charges.
Citi has been the only bank that has denied me a credit card for high DTI. BofA and Chase don't seem to look that hard though.
I have had good experiences with Citi. The rewards card is better than the double cash. In my opinion.
I’ve been using the citibank thank you preferred, American Airlines and rewards + card in the past few years. While chase is my main issuer, I get my fair share of great points and miles for what i spend my money on with citi. I think they’re in the category that you either like them or hate them.
Omg i used to love price rewind!!!!! I miss it lol
Great vid Brian👍🏾
Their customer service is so bad that you couldn’t pay me to deal with them. Won’t ever attempt to deal with them or BoA ever ever again.
Only bad thing about the Citi double cash is that it won’t let you cash out until you have a minimum of $25 cash back earned. -_-
Topic idea: best credit cards in middle
tier?
How come credit card companies do not list what credit scores are baseline for being approved for their cards ? How else would I know how long to hold off on applying for a new credit card ? If I apply too soon, my credit score goes down, because of credit checks, so why don't they do us all a favor ?
Wow Brian you're blowing up!
I have a BestBuy Citi card...not a bad card.
I have 2 dividends, a Sears MasterCard, and will be PCing my Expedia card to the double cash in the 13th month. Citi has potential, but it's currently not promising. But with the way chase and Amex flip flop around with benefits etc, I want to keep Citi on the back burner, ready to jump in on the off chance that, in a few years or whenever, TYP become more viable than it currently is in relation to MR and UR points.
Ayyee brian, I was just approved for my 1st amex card.. I chose amex everyday preferred card cause it made more sense to me since, I love chasing points rather than cash back.. I could have applied for gold card but I kindaa needed bal transfer as well atm.. sweet CL of 15k.. was surprised with the limit cause it gave me more limit than my csp which is around 13.5k🙌
Speaking of Citi, they still won't give me a credit limit increase for my Double Cash. Ahhhhhhhhhh
It all depends on your credit score. 💁🏻♂️
Really? Why? What did they start you at? I have 690 and want to sign up for it but I want 3k limit.
@@justinkredible33 They started me at $500. They did finally increase my credit lol. Big factor of course is credit history and Income. I think banks usually lend a credit line around 10% of your income level.
Custom Cash is better than your other cards
great video like always i do have the costco card and between what i get of cash back there it has been worth it so far
I actually like my Citi card a lot. They have offered me some great deals and they have been pretty good to me. Of course as this video mentions "PAY YOUR BILL ON TIME AND IN FULL!!!"
I got the CitiBusiness AAdvantage in December because I fly American Airlines, it was offering a limited-time offer 70,000 sign up bonus, and since it's a business card, it doesn't count toward 5/24. But my Citi relationship got off on the wrong foot: they gave me a stingy $3,000 credit line (my Chase Ink cards and Amex BBP are 2x - 3x that amount), they can't expedite the card because they "don't have that service," and I couldn't create an online account until I got the physical card, which I had to wait 10 days for. Now that I've hit my minimum spend, in the sock drawer it goes. The only other Citi card I will go after is the personal AAdvantage card for the AA miles once I'm done with 5/24. Maybe the Double Cash just to give myself a credit line boost? But other than that, I wouldn't bother with Citi. I love my Chase and Amex cards
I agree about the TY point cards. I do however love my AAExecutive for the admirals club discounted rate. Hate that I never use it to actually book a flight tho since there is no protection. 🤣🤣
How long do you have to wait for a CLI from Citibank after opening a card
Nah da Costco Card lit. Citi gonna demonetize you
The Truth About Citi: Like a gang of pirates but less polite on the phone.
Citi Double Cash and/or maybe the Citi Costco Card seem pretty good.
Hey Brian, do a video on you feel about Capital 1 credit cards
I’m a beginner and my spending habits are minimal. I have a citi dbl cash and it’s just fine 🙂.
Can you do a video on the Wells Fargo Propel card and compare it to the other travel cards? And explain how the point system on that card compares to Chase for example. I’m new to the game, so the Propel sounds really nice to me as a college student Bc of the no annual fee but getting great rewards back on a lot of categories. Thank you!
On paper citi is dope because of the double cash and Turkish Airlines...
There good for balance transfer if you need. When your in a tight spot. Comes in hardly
Hey Brian, it appears one of your admins blocked or banned me from your facebook group. I had been a member for like 8 months. Any help getting back in?
What are your thoughts on apple card? I only plan to use $1 per month to pay my icloud. hoprfully it increases my credit score.
Nothing wrong with citi in my experience. Disagree almost entirely
Cool video
How does this help
Im not a big baller, yet, i did just get the Aadvantage platinum card. Starting flying miles. American airlines seem to have cheap flights.. My scores are going up now so I'll spend the miles them put it away and then on to Amex
I have the 2% cash back and it's not quite the same as Cap1, the only other reward card I have ever owned.
1% at purchase
1% when you pay
Minimum of $25 in rewards before you can cash out
Always irked me in comparison, that I got my 1.5% back with Cap1 a day or 2 after charge cleared. So I never have to pay the money I just take it off my balance and then pay a few days after that.
Now that all of my cards have a zero balance I'm thinking about putting all of my auto pays on Citi and my wireless bill and getting that $25 every 5 or 6 months. Less exciting but more money earned.
And you also automatically get the the first late fee waived off for Double Cash card.
The only credible citi card is the Costco one.
Citi credit card great I love it
Who do they pull from
Revisiting : wondering what people are thinking now...
CITI is Meh but I do have the double cash and I like it a little. I use the card at certain places where I can’t maximize any of my cards, so I can get at least 2 cents back.
The Best Buy Citi Visa is ok at best.
Andrehacks01 on IG funded my credit card
Brian I had only a capital one, Chase freedom Unlimited, Discover It and on January I got the Chase Sapphire Prefer, I spend the 4,000 for bonus in a couple weeks, I am an Amazon seller but want more miles and line of credit. They gave me the card even though I was only on the 660 Credit Score, now my credit went down to 649.
What should I do?
I want and Amex.