I've been a Citibank customer since the start on them entering the UK credit card business, I started with Associates Classic Card and it has been moved to the Citibank branding www.citicards.co.uk
Like many Citibank customers I started with a high apr (32.9%) at present there website www.citicards.co.uk offer 6 months interest free for transfers and a low apr off 13.9% but been warned read your documents to check your apr if you sign up. Although I had a high apr I needed a credit card and used it, I never missed a payment and have found that if you phone and complain about the high apr then they will be more than happy to reduce your apr (I am now on the low 13.9%), if you phone every 6 months you find that they update there systems and make you offers, but YOU have to ask Citicard, they won't offer.
Talking off there customer service, I have never had a problem, they are friendly and helpful although they close around 9pm every night. A very good plus point for me is you can pay your bill by debt card and it will be processed on your account within 1 or 2 working days! They cannot set up a paperless direct debt. I've not had any charges so I cannot tell you what they are.
There is no annual fee on the card, however I am told there is low usage limit and you will be charged £10 if you don't use the card.
You can get a cheque book, but again you have to request it and your account has to be up and running for approx 6 months.
They will review your credit limit every 3 months and increase the limit should your payments be up to date, however if you are close to your credit limit they do not seem to increase it (I have yet to find out why).
Statements are easy to read and also offer you an estimated interest charge for the next month.
Problems with the service, there is no on line service which would be helpful and you will not get any extra's like Travel Insurance etc etc
My main advice is use the card, reduce the apr and then move on, this is a good card but does not have the full package like some. You can apply on-line at www.citicards.co.uk again be warned it took up to 4 weeks for me to get the card.
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Advantages: free £500 overdraft, able to draw money from all ATMs without charge,free internet banking Disadvantages: no high street presence apart from London
sivam 08.04.2001 ·
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Ciao members have rated this review on average: very helpful
Review of Citibank
Mar 22nd, 2004
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