Had a platinum, and I hit the cap pretty quickly on it.
Decided to pay a bit extra for this card, at least there's no cap right?!
Anyway, not suprised that since getting the card its been an absolute train wreck. Citibank is such a badly run company at the coal face its almost laughable.
Problem 1: Get the nice little black box the card comes in. The card was stuck to the cardboard with this awful sticky stuff. Not like anything else I've seen banks use (that nice soft putty). Anyway, rip it off, and half of the stickyness is still stuck on the signature strip. It just will not come off. Had to sign over it, and now the card sticks when I try to get it in and out of my wallet. Absolutely shoddy stuff.
Problem 2: In the nice little black box, there's a letter saying that my pre-approved limit has been bumped to 40K. OK, no probs. I'll take it. Go ahead and activate the card, then today, thought I'd call again to confirm the limit. They don't have that limit offer on their system and need to look into it. Ask me to fax them the document over? Deary me. I said forget it, I don't have the time. They'll call me back in 1hr sir, they PROMISE. Well, no suprises, no call back. I call back 4 hrs later and suprisingly get the same CS rep. He then lies and tell's me he tied to call me, and that the matter needs to be referred up the line. I mean, what absolute BS. I don't have time to chase them to honour an offer they made. Why is everything so hard for this company?
Problem 3: Unlike other fin institutions when you upgrade or get a new card, it doesnt just show up magically on your online account. That would be too easy wouldnt it! They make you go through and create a whole new online account, adding the card, your contact details, new login, password etc. Now, ok, I decide to bite the bullet and do it, but it gets to a page where you need the PIN. What a suprise, Citi never sent me a PIN. I got the card 4 days ago, it usally comes 1-2 days after. Again, another call so they can send out the PIN. In essense, I'm using the card, its active, but I have no way of checking purchases online.
Problem 4: The age old Citi problem of people with Mac OSX not being able to download electronic statements. Some CS rep a month ago had the nerve to blame apple and adobe fighting??? I'm sorry, but every other bank and fin. institution I have accounts with have managed to work it out. This is just shoddy.
Problem 5: I enquired about the meet and assist service they offer with the card. These people I was speaking too kept thinking I was talking about Priorty Pass. I mean, what the hell?? This is a card thats supposed to be on-par with other platinum re: the services they offer. Not only that, when one CS rep thought they DID know what I was talking about, they transferred me to Mr&MrsSmith call centre that it had absolutely NOTHING TO DO WITH THEM.
Problem 6: This is generally related to the above, but I wrote quite a long complaint via their online compalint form, pushed submit, and it didnt even submit- and an error occured. I tried again thinking I made a mistake, this time copying my text just in-case, and same thing. I tried 6 different methods, on 3 different browsers, and still no luck. This company doesn't even offer a service to COMPLAIN ONLINE. Unbeleivable.
Anyway, I do know better. The ony reason I got this card is because its pretty much one of the only cards that I get 1:1 QF points per dollar spent with NO CAP. I'll use and abuse it, and churn as much as I can through it while paying it down before interest hits.
My view of Citi over the last few years is that of a really poorly run and incompetent company, and I'd never EVER look at giving them any more of by financial business above the CC I have with them.
This is just scratching the surface of what a shoddy company Citi is.
Bit of a rant I know.
Moral of the story- If you don't hit your cap currently on the Gold or Plat, do not give these guys anymore of your money. Go somewhere else.
