Credit Score: 675 Credit Limit: 3000 Age: 35-44

Posted 08/24 2018

Sears had a fantastic 10% statement back promotion at the end of 2015. I received the activation code. But in my next statement, I did not see the credit. So I called CSR and they said that it will take 2 or 3 billing cycles. But after 3 months, I still did not see it. When I called CSR again, they said that the code was not activated and after some negotiations, they told me that they will give me half of what I earned. All I can say is that Citi's customer service and systems suck big time.

 

Credit Score: 0 Credit Limit: 0 Age: 25-34

Posted 02/25 2017

Ended up paying for a late fee that was 2 days late. The fee turned out to be more than the balance!

 

Credit Score: 765 Credit Limit: 8000 Age: 25-34

Posted 01/11 2016

I got this card because I had to buy a washer dryer and a new refrigerator. So all goes smoothly with the card. Then one day I found out that I was "enrolled" in paperless billing (which I did not enroll). Called customer service and they told me that I must have done this automatically. But regardless, I found out that I had 2 months of late fees and interest. They only managed to remove 1 months worth of late fees. Needless to say, I am cancelling this card. Stay clear. Don't say you have not been warned.

 

Credit Score: 687 Credit Limit: 1500 Age: 35-44

Posted 12/16 2015

I have had this card for many years. Not too long ago, I tried to use the card and it was declined. So I went to my online account on my phone and found that there was a fraudulent charge. Called customer service and was actually told that they could not find my account. By then, I was really pissed. but then I calmed down and called back a few minutes later. I explained what happened and told her about the fraudulent charge and asked her to fix the situation. She told me that I could not use the card because I had run out of credit limits. She then closed my account and told me that a new card will be sent to me in a few days. So while at the checkout counter, I used another card that I had in my wallet.

After a couple of days, I called customer service again just to make sure that the dispute I filed is being handled. The rep pulled up my account and said " yes, I see 2 disputed charges". OMG!!! I told her that it was only 1 dispute and the previous charge was valid. So she said she will make a note and make sure the dispute is only for 1 charge.

I am so unimpressed with their customer service. I have discover card and it is light years ahead of citi.

 

Credit Score: 715 Credit Limit: 4000 Age: 35-44

Posted 11/14 2015

This card has to be one of the worst around. Applied initially and got $4000 in credit limit. I have always paid on time but after 8 months, my credit line was reduced to $3500. I called and asked why? And guess what they said? credit card companies do that all the time! So I have canceled my card. This is simply ridiculous.

 

Credit Score: 685 Credit Limit: 1500 Age: 25-34

Posted 02/16 2015

I occasionally carry a balance and the interest rate (18% for me) is high. If you shop at sears and do not carry a balance, then I guess it is ok. But if not, stay clear of this card.

 

Credit Score: 678 Credit Limit: 3000 Age: 25-34

Posted 07/14 2013

After I got the card, I got my first statement with a late fee. Don't know how this even came about. Paid it off and closed the card. Customer service (though polite) could not resolve it.