Comments on: Citi Forward Card Review

By: love it

love it — Fri, 12 Feb 2010 04:42:04 +0000

I love this card so far. I’ve had it since Aug 09 and I’ve already been able to get $175 worth of gift cards from the thank you network. They also raised my credit limit $3000 within that short span.

My first card was with CapitalOne. I’d been with them for 5 years and just recently got a credit limit and they never lowered my apr, just raised it. They are unwilling to work with you on anything and they don’t just randomly raise your credit limit either. You have to threaten to close the card to get anywhere. I was a little shocked at how free Citi was when giving me a credit limit increase because of this.

Citi’s customer service could be a little better but overall, I love this card. I don’t carry balances but the apr is pretty decent for if I ever did. I highly recommend it!

By: Selene

Selene — Wed, 02 Dec 2009 02:12:31 +0000

‘Barney is stupid’ needs to revise his or her own sentence before flaming others.

Anyway, thanks for this information. It was very helpful.

By: cvang

cvang — Sun, 25 Oct 2009 18:40:11 +0000

hi, i have recieve a citibank forward credit card. i want to know that is there bank like those other banks that ripped people off and harass you with phone calls? do they have annual member fee? also, i don’t get what they mean by the APR 14.49%? how is that cover? and also how much is the monthly payment? and how do you guys pay your monthly payments i.e. by phone, checks, money order, online, etc.

can someone please help?

By: Barney is stupid

Barney is stupid — Fri, 25 Sep 2009 22:07:15 +0000

Barney Bolt should learn to construct proper english sentences before you defamates others.

By: Jason

Jason — Thu, 13 Aug 2009 14:05:28 +0000

I am a college student, and I applied for this card about a month ago. I was approved within a week with a $3500 limit…no phone calls, no extra paperwork.

Prior to this card, I had a credit card from my bank for a little over a year. My credit score was ~650 and I disclosed $5,000/yr as my income from summer jobs.

It doesn’t seem like it’s terribly difficult to get approved for this card at least in my experience, and the 11,000 points you can earn right away is a nice perk. I have already earned an additional 3000 points from eating out and buying textbooks.

My only complaint was that when trying to activate my card, they made me be on the phone for 20 minutes, insisting that I accept stupid extra services from 3rd party companies. Citi is undoubtedly desperate for its commissions, and the call reps do not take no for an answer. Very annoying.

By: Barney Bolt

Barney Bolt — Tue, 14 Apr 2009 23:52:04 +0000

Dear card carries,

Please allow me to voice a concern with the Citi premier card. I had over paid this account on line by approximately 1500 dollars as I owed it to another Citi card. After realizing my mistake I asked for my money to be refunded. I was told that it takes 30 days to get a refund. At the completion of the second billing cycle I still had not received my cash. I got defensive attitudes from Reps once I began my inquiry.

After discussing with my wife we decided to spend it off the card and when I did I spent more then I had by 196 dollars. I sent the payment in to not be late and have my card at zero balance. Citi was at that time (90 days later) approved my credit for the original 1500 but noticed that I used some so then put a credit on my account, but never gave me back the money. Today 90 days plus I still have no funds back and I owe the amount that they credited back. When I called again the Citi rep told me that she didn’t appreciate that I didn’t think her service was a quality one where I immediately explained that I thought she was grand and I wasn’t killing the messenger but I was disappointed with the process of taking more then 90 days to refund my money back. Be careful as each representative givers you what I believe they think is good data but it never turns out and then Citi reps start to get uncomfortable and just try to get you off the phone.

I now take on this mission to let people know what type of practices are being used at Citi, the company that took funds from the US gov to stay afloat. Is this right? Is anyone else had this type of experience and maybe found a resolution? Please help me get my money back!

By: Heather

Heather — Fri, 03 Apr 2009 16:40:32 +0000

I also think people should know that apparently this card is not for the audience that it is advertised to. I applied for this card as my first ‘real’ credit card and they denied me because I don’t have 2 other major credit cards that have been in use for more than a year. Nevermind that my credit score is pretty damn good if I do say so. Nevermind that I’ve been paying my students loans on time for 2 years and never missed a payment on my Kohl’s card. Somehow, I have to find someone to give me two other credit cards before i can get a credit card that is advertised to college students.
And when I double checked with customer service she assured me that the card is one of their lower end college student cards…

By: Arnold

Arnold — Sat, 28 Mar 2009 14:11:50 +0000

Well, I do spend a lot of money eating out a lot and buying a decent load of books. I did take a quick peek at their rewards… and its typical, but I guess its better than nothing. This card and Citi mtvU cards are exactly the same. As long as your GPA is above 3.5, Citi mtvU is not much different than this card. I would say Citi mtvU is only better if your actually getting a 4.0 GPA. This card is more “friendly” haha… since it doesn’t criticize you for having a low gpa.

Well thanks for the info Mister.

By: Eric

Eric — Tue, 24 Mar 2009 07:03:40 +0000

^I don’t think it’s a general thing though since I applied recently for a Citi Card without a hitch. Straightforward for me.

By: Therese

Therese — Mon, 23 Mar 2009 22:57:41 +0000

I have been a customer of Citi Bank for many years, but after applying for the City Forward Card I felt compelled to let other customers know that they refused to give me their card without giving them a 4506T form. I was told by them that there has been many complaints about this and I just want to let others know that they may be wasting their time applying for Citi Bank cards, because this is now their procedure.