Citibank Platinum Credit Card Review

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Citibank Platinum Credit Card
0.6 stars
Average rating for this product is: 0.6 out of 5

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zheka212's Review of Citibank Platinum Credit Card

6th Oct 2004

Overall Rating

0.5 stars
  • Value for money
    2.5 stars
  • Loyalty scheme
    Yes
  • Used card for
    1 year and over
  • Customer service
    0 stars
Good Points

Rewards


Bad Points

HORRIBLE customer service, terrible fraud protection, issue resolutions take days


General Comments

I got the Citibank Platinum Credit Card because of the 2% reward toward the purchase of a new car. This is where the positive ends.
Citi changed the card agreement terms twice in 2 years, limiting how the reward can be used.
Their PLATINUM card carries higher interest then most other regular credit cards for customers in good credit standing.
Their fraud department is impossible - they have stopped my account numerous times - usually when I am away from home (out of the country). They do not provide local toll-free access numbers, and placing collect calls from some countries (Spain) can prove to be an impossible task.
When I reported fraud to them, instead of beginning the investigation immediatly, useless paperwork had to be mailed back and forth, with notary stamps attesting that I am who I say I am.
It took about 20 days for the investigation to actually begin -- any other card I have called before began the investigation the minute I called. NO TEMPORARY CREDIT WAS ISSUED!!! I was told "not to worry about it" -- it will be taken care of in 1-2 BILLING CYCLES (about 2 months!!!).
THIS IS ABSOLUTELY THE WORST TREATMENT A CREDIT CARD CUSTOMER CAN EXPECT -- WHEN THE COMPANY DOES NOT BELIEVE ITS' OWN CLIENTS.

While speaking to the security investigations department, I was told to 'CALL OUR CUSTOMER SERVICE, THEY WILL ADDRESS ANY ISSUES YOU HAVE' - this is after I suggested they do things differently -- essentially, the rep told me to go to hell -- not even people working for the government with no incentive to be nice were ever as rude to me.

Stay away if you can -- go for Discover.

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LenderBalance Transfer RateBalance Transfer DurationPurchase RatePurchase DurationAPR  
Virgin Credit Card0.00%3 months16 months 2.98% or £3.00 fee3 months16.60%
BT Standard Credit Card0.00%3 months13 months 3.00% fee3 months16.90%
MBNA Platinum Plus Visa0.00%3 months13 months 2.90% fee3 months15.90%