Citibank

I opened a Citibank Plus account because it has zero transaction fees for international transactions (ATM withdrawal etc).
The application process was incredibly difficult and my documents were lost. The card was supposed to be sent express post because by the time they process my application (4 weeks) I only had 2 weeks before I was going away on holiday. The card did not arrive at all and I had to spend another week chasing it. The call center staff are extremely unhelpful and do not have an escalation process. The complaints department is the same customer service section so nothing is ever escalated or resolved.
They promised to send out my card same day service so I would have it before I left overseas... That same day service actually took 2 full days after I requested it because they didn't put the request in until too late. The only reason I have my card is because of the helpful people at the courier service.

Once I received my card and I activated it they told me I couldn't use it because my paperwork wasn't done properly... They were the ones that had done it!! Extremely disappointing service from call center and branch staff. They also use outdated 'one time pin' authentication that they don't send through wifi which means you cannot log on to your online banking without having your mobile phone working (when overseas this means roaming) Will avoid in future for all services.

Absolute rubbush. I had a credit card with CitiBank few years ago. Probably the worst thing i did. I went across to an Amex which even though you sometimes have to pay a surcharge is fantastic. I tried for months to close out the account after paying what i owed on the card. After a year of repeat letters stating i hadn't, i issued to them statements showing i paid in full the account, and it was supposedly closed out.

Two years later i get a letter stating i still hadnt paid my account! I hadnt heard from them, received any letters in between, but somehow i still owed them money. I have apparently rectified the mishap, but thats what happened last time. Oxygen theives.

Can I give a zero starts review? Even one is too many. Had the BP Card which was good value, but they stopped the program, so I called to try and cancel the card. The process is just soo tiresome. No help at all from the customer service person I spoke to. They tried to put me to a customer relationship person but the lines were bsuy. After a 5 minute wait they still coukld not put me through. To get a call back would be between 3 -5 DAYS!!!!

Stay away from them!

Citibank made a mistake on my account, they admit it was their error. But even though I tried to resolve it straight away, they still called me after 9pm on several occasions, called me on ANZAC day, called me on the public holiday Queens Birthday and each time it was for the same thing - an error they created and would not fix up. I would say over 12 hours of my life was wasted explaining the same thing again and again.

Worse bank I have ever dealt with having call centres overseas doesn't exactly help things, as they don't care what time they call you here in Australia and are actually quiet rude and demanding!

I applied for a new citibank low-rate mastercard (the one they have been advertising on TV with 1.9% interest) and was appalled at the way I was treated. Despite having faxed through all the documents they originally requested (and there were a lot of them) they constantly rang me saying they needed more information, at night and during the day, despite me telling them not to ring me at work. They also rang my employer quite a few times and demanded that she tell them personal details about me, when they only needed to know how much I earned. I could not believe the questions I was being asked, mostly by Indians who I had trouble understanding. I applied for a mortgage several years ago and the process was simpler! I eventually lost my cool after I received another late night phone call while out with friends asking for documents I had already sent weeks earlier and told them to cancel my application, just not worth the hassle.

Citibank Rewards scheme is the BEST. One point for $1.00 and depending on your card - other benefits apply. Platinum holders can apply for something they particularly want to be a 'reward' and then work towards getting the required points. When you use your credit card for every day stuff it adds up very quickly. They have the BIGGEST range of things you can get. You can do it all on the internet too.

My husband did have a credit card with them before. The reason we wanna get a credit card from them is because of no annual fee. However, we found that was a totally wrong. Cause just after we received that card, we received another letter from the bank said we need to pay the annual fee. And then we called the custom service to check what was happened? The staff was just like, no, we have nothing wrong, you are very wrong. Very bad attitude. We just decided to cancel that card, he suddenly changed his attitude. That's so stupid.