CITIBank is the largest consumer division of commercial banking international, which is also known as Citibank. Citibank got established in 1812 when it was first City Bank of New York, later became First National City Bank of New York
It is not uncommon to find that Citibank offers excellent credit card customer service to its customers. This kind of customer service is a rarity and is normally very rare to come by. The reason for this is that Citibank's customers are usually very unhappy with their bank, and usually, their dissatisfaction goes unacknowledged by Citibank management. As a result, Citibank suffers from great negative public perception, even though this is somewhat unjustified.
CITIBank's practices related to credit card debt collection are so atrocious that it is hard to believe that anyone even gives them the time of day. If you have been thinking about applying for an account at Citibank, you are advised against doing so. The fact that Citibank categorically refuses to help its clients is probably the primary reason for their poor reputation. Despite being one of the biggest creditors in the USA, Citibank refuses to acknowledge or even cooperate with its own customers, who have become deeply disenchanted with the institution. CITIBank and all other such institutions should be held in extremely high esteem, because they help the most people of all categories ordinary citizens and families, business owners and professionals.
You can judge the effectiveness of CITIBank's credit card customer service by looking at the way in which they treat you. Do not waste your time with CITIBank representatives when you apply for an account. You are practically ignored. Their representatives are trained to avoid you at all costs. This, along with the downright ugly customer service they indulge in, bespeaks of a corporation that has nothing to offer you.
When using credit cards, you should know what to expect from your bank. Most banks and credit card companies provide detailed information about the various features and benefits of the credit cards they issue, but Citibank seems to forget this basic fact. A number of unpleasant surprises await credit card users who apply for new accounts at Citibank, with the likes of monthly fees, exorbitant transaction fees and exorbitant penalties for going over your credit limits and defaulting on payments.
Citibank's bad reputation is mostly due to their practices, which are contrary to the basic principles of responsible banking. CITIBank charges exorbitant fees and over-the-limit fees to its customers, but they do not tell them about these fees until they're too late to avoid them. And when you go over your monthly minimum payment, there is no grace period to negotiate it down with the bank. This, coupled with their obnoxious phone calls trying to sell you additional lines or products, make up for their shoddy credit card customer service. Do yourself a favor and find another credit card company.