I have been a Citibank client since 1972, when it had been First National City Bank. I have been a Citibank Mastercard owner since 1979. I have got both individual and company records at Citibank. I maintain a Citibank mortgage in good position. I have had many Citibank loans and outlines of credit through the years without any blackmarks. I actually worked for Citibank from 1989 to 1993; during its great decades, when it set large inventory in solution quality and client relationships.
Like A freelancer, my income depends upon my customers' funds in my experience thus my cost record with Citibank happens to be abnormal. That's, a late-payment last month, an overpayment the following, nicely over the minimum cost due.
Nevertheless, the card seldom maintained a stability over half its somewhat weak $8800 restriction. Normally, the card maintained a stability of $2200 from every month.
It is usually been in this way. Citibank cheerfully got its late charge and further attention costs without criticism and explained nothing about this — not really a telephone call to alert me that my cost was late. Until this week.
I received an automatic phone informing me that my credit point have been cut by 60% to $3300. There is no caution this might occur.
A call to 2 Citibank CSR stiffs was useless. These were as automatic whilst the Citiphone IVR system. I had been informed that since I had been overdue with my July cost that my borrowing limit have been decreased — even though I reduced $2,000 about the card three months later.
I Have probably been overdue with funds on that card atleast 300 occasions in the last 30 years and Citibank never reported about this before.
This is the way the Citibank weasels settle 35 years of client commitment? By informing me that I can not be respected with increased that $3300 in credit debt, even though that I also bring 1 / 4-thousand mortgage with Citibank with zero overdue payments?
That Is horrible.
Honestly, the one thing that divides one bank from another is customer support. Citibankis customer support required a nose-dive when it dropped John Reed and Larry Weiss.
I take advantage of the charge card for company and with no useful stability on it, itis got small benefit in my experience. Meaning Citibank has small benefit in my experience. I would aswell shut my Citibank records and transfer them to my credit union, which provides my a greater restriction and where I atleast get free ATMs.
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