Citi Dividend Platinum Select Visa Card

Title: Citi platinum
Date Reviewed: 2010-11-26 14:17:52 | Recommended?: No
Remarks: Received multiple pre-approval request in mail for months, finally deceided to take them up on the offer so that I could transfer some of my high interest rate cards over to no interest for 12 mths. Well low and behold them denied me. I have been doing my homework and looking at all the forums to see what FICO score they would take and mine was 651 which should have been good enough, but evidently not. Now it has lowered my FICO score to 649. So thanks a lot Citi!

Title: CLI!!!
Date Reviewed: 2008-07-12 22:08:03 | Recommended?: Yes
Remarks: This is my oldest tradeline account. I've had this card since 1984, when it was called the "Choice" card back then... Then converted in the late 80's to Citi Preferred Gold card... Then was converted at my request to the Dividend Select card around 2004. Through thick and thin, this is the one bank that I have stuck with, probably because I worked for them for years. Anyway, logged on to pay my bill in full Thurs. Noticed auto CLI from 18,300 to 21K. Wowee!! Citi rules with me, and am going for Amex with them in next couple months. Citi has always stood by me when I needed them.

Title: Good at the beginning . . .
Date Reviewed: 2008-05-16 15:21:56 | Recommended?: No
Remarks: My Citi Dividend Platinum Select card WAS my go to card whenever Amex wasn't accepted by a merchant or store. Initially, it had non-tiered rewards where you earned full cash back + bonus in everyday categories. Recently, Citi has scaled its rewards back, only offering 5% in bonus categories for the first 6 months.
While the card is standard in terms of features, I find it sometimes difficult to deal with. Here are some highlights:
1) Customer service calls routinely go overseas. I always end up spending more time on the phone when this happens (and I am reluctant to ever ask questions that might be considered "off the script"). Occasionally these reps do not inspire confidence. I called one day to inquire about a replacement card I was expecting that hadn't yet arrived. Because I didn't receive it, he determined that my account needed to be suspended, voided the replacement card, and expedited me another card AT MY EXPENSE (which still took 2-3 days to arrive). In the meantime, my existing card no longer worked, even though he assured me that it would until I activated the new one. When I finally was able to get someone competent on the phone, she told me that the other rep shouldn't have suspended my account because the replacement I was waiting for had not yet even been sent out. This information, she noted, should have been clearly available to the other representative.
2) I had a problem with online access once and was a few days late on a payment. Not only did they charge me a $40 late fee, but my rewards for that cycle were voided as well. I have had experiences with other cards where payments only a few days late haven't resulted in any consequences. In general you should always pay on time, but if circumstances prevent you from doing so, Citi is less sympathetic than other credit cards.
3) The consensus among my close circle of friends and family is that Citi's credit limits tend to be less generous than some other banks. After requesting an increase, however, CitI did come close to matching my higher lines.

Title: Credit limit DECREASE
Date Reviewed: 2008-04-08 01:29:35 | Recommended?: Yes
Remarks: My girlfriend and I were on vacation in Santa Barbara when her card was declined. After we were connected to India, the guy said something intelligence-insulting like 'we looked at your history, and it doesn't look like you needed all that credit' It was decreased from 3,000 to 1,000 with absolutely no notice. Her credit is a lot better than mine (700+), and she plans to try to get a hold of a real account rep soon.

Title: Approved!!!
Date Reviewed: 2008-04-04 19:49:31 | Recommended?: Yes
Remarks: Hi everyone, I got another approval. Credit limit $5300. I do not know what the interest rate is yet. I just Love CitiBank.

Add Your Review (Reviews Courtesy of Finance Globe)

Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back