Citibank

Avoid. The systems and practices of this bank are highly floored. I recently had a dispute with them which was the worst customer services experience I have ever had (I am 38). Problems with this bank: 1. Statements come from Belgium and are frequently lost. 2. Customer services off shored and given the brief to get payment at almost any cost. I rang several times to say the account was in dispute and awaiting underwriters review (for incorrectly applied charges) and still they would repeatedly asked for minimum payment. It was completely obvious that they were briefed to ignore the customer and just try to get payment. 3. Poor phone ...

A short time ago I was approached in a motorway service station and asked if I would be interested in applying for a Citibank Platinum Visa card, which I was assured was a far better rate of interest than my two current credit cards. I was told that if accepted I could transfer the balances from my other two cards and therefore save interest charges. I spent a short time filling in the application form and was told that when my card arrived I would have to telephone Citibank to activate it or if I had changed my mind I could just cut it up and ignore it. I was asked the amount of balance that I would like to transfer and was told that the APR would be 11.9%, which was a ...

Good Choice - Advantages: 1 bills - Disadvantages: exspensive annual fee