Can someone tell me what's so great about Citi?

pwuk

Despite them all being in a bit of a state I was amazed to receive a letter today from RBS MINT advising that they had decided to increase my limit!

It's truly amazing how some of these CC Companies operate that said I suppose that if you agree to pay someones pension to the tune of £650m per annum for life, what's a few extra thousand here or there with CC increases.

I find Barclaycard to be okay however they are currently reducing credit limits for a number of their existing clients and you should consider that before coming to a conclusion.

withnell

The pension is 650 THOUSAND

If you always pay off your bills etc then you're a lower risk customer, and it's likely that without the crunch they'd have increased your limit sooner / by more

pwuk

withnell wrote: »

The pension is 650 THOUSAND

Good point - that's me getting too excited about all this credit talk :eek:

Thanks for the correction

Cascy

What's so good about Citi - no idea. My Citi credit card (Shell card) was cloned (at a Shell garage) and then used for cash withdrawals on the 5th Jan. Citi wrote to me the same week to tell me it was suspicious about the transactions (well done Citi but why write when you had my mobile phone number?).

It's now 8 weeks later and I am still waiting for my money back.

Other people I know who have had their cards cloned were paid back in less than 4 weeks.

RedHeadPeter

Cannot understand comments here about quality of Citicard customer service. My card was used fraudulently at the beginning of September 2008, I reported it immediately using their on-line 'disputed transaction' process. Might as well have not bothered - they did nothing! Card only got cancelled when I phoned them (by which time it was maxed out by the fraudsters). One of the fraudulent transactions was a £100 debit card payment to Citicard which swiftly got reversed (I guess when Citi discovered it had been made with a stolen debit card?).
When the fraud department finally got round to reversing all the fraudulent transactions (in December!) they reversed the £100 transaction again - which left it looking like I still owed them money. We are now in March, going on April, and this still hasn't been sorted out. They are very keen to phone me to demand a payment but no-one seems to have the authority to put it right. They ignore letters of complaint. So its off to the Financial Ombudsman now. They are incompetents - stay clear!

babs98

I noticed my card had been cloned when I received a statement with £1000 cash advance taken out in Southall (where I've never been). Immediately rang Citi (call centre in India). Three months later their security department have just got around to sending me a form to tell them everything I told the call centre operator. The money plus interest is still outstanding. I shan't be using the replacement card until they clear my account (and possibly never).

pdotie

babs98 wrote: »

I noticed my card had been cloned when I received a statement with £1000 cash advance taken out in Southall (where I've never been). Immediately rang Citi (call centre in India). Three months later their security department have just got around to sending me a form to tell them everything I told the call centre operator. The money plus interest is still outstanding. I shan't be using the replacement card until they clear my account (and possibly never).

I had an almost identical problem with the same issues. Card was cloned and used in Australia - Happened on 28th of August. They rang me, and I confirmed what was fraudulent. I then had a new card sent out but they put a restriction on my account saying that because I had changed address within the previous 6 months, they needed me to send in proof of addresss (which they only told me when I rang to ask to get the card activated). Sent them off with a letter asking them to contact me when they had activated the card. a month past, nothing, (by this stage it was about November as there had been delays in them sending out the original replacement card) I received a letter saying thanks for sending in your documents, here they are back for you. So I rang - no record of any documents being received. What now - "oh you will have to send your documents to us...." All this time the fraudulent transactions were still sitting on my account.

WHich I did, again, nothing, 6 weeks later, same letter back, thank you for your documents. I tried to use card.. nothing. So I rang them back (Feb by now) and said, remove the fraudulent transactions and close the account. A long discussion later they said ok transactions have now been removed. Would I consider keeping the card open? Yes, ok then - "all you need to do is send us some documentation to prove you are living at......" so I just closed the card!

What a pain that was. Never again (at least till they have a good offer to take up)

P