topic Re: Citi Strata Card Problems in Credit in the News

Citi Strata Card Problems

AndySoCal — Fri, 17 Oct 2025 16:09:19 GMT

Here is a link to the article

https://www.msn.com/en-us/money/companies/they-signed-up-for-citi-s-new-premium-card-it-turned-into-a-nightmare/ar-AA1OAaXk

Re: Citi Strata Card Problems

TrapLine — Sat, 18 Oct 2025 00:37:18 GMT

What gives?

Almost signed up and then starting seeing comments and backed off.

Not giving IRS access period!

Re: Citi Strata Card Problems

AndySoCal — Sat, 18 Oct 2025 04:47:21 GMT

@TrapLine The IRS part is just income verification AKA a 4506T some lenders will use when the job title and the income do not fall in the expected ranges. I have had credit card apps that want the income from employment and the income from other sources reported broken down. I.E 50,000 from employment and 2300 from interest income dividends etc. does include the source of interest income etc on the app.

Re: Citi Strata Card Problems

RobertS2 — Mon, 17 Nov 2025 23:14:14 GMT

This is resolved now, right? Is anyone still having issues?

Re: Citi Strata Card Problems

AndySoCal — Tue, 18 Nov 2025 03:05:32 GMT

@RobertS2 My advice is to search Citi Strata Card problems. And filter the results to just one month and make a decision. For me I have no interest in premium cards like Strata or any other cards like Strata. At this point in time Citi Custom Cash which I have is the only Citi card I want. Also, I have no real interest in any credit card from any source.

Re: Citi Strata Card Problems

Patient957 — Tue, 18 Nov 2025 03:27:09 GMT

@RobertS2 wrote:
This is resolved now, right? Is anyone still having issues?

Last I heard this has been resolved. But it's worth noting that the issue was isolated to early people who used shared links to get the 100K bonus when the public offer was 80K and the in branch offer was 100K. People were calling a branch and getting 100K links emailed and then sharing the links on the internet. People who got approved through the shared links had problems.

FWIW, I applied in branch, got the 100K and have had no problems.

Re: Citi Strata Card Problems

TrapLine — Tue, 18 Nov 2025 14:12:00 GMT

@AndySoCal

Gads Andy, how could a financial the size of Citi Bank re-enter the premium credit card market make such sizable errors? There is no excuse! If you are in the business you need to get the "bugs" out before going live?

Will ad,d I have Citi financial products back to the early 1970s and I cannot remember a mess like they have now over all those years.

Geez ... shades of US Bank and the Smartly Checking, Savings and Credit Card program!

Re: Citi Strata Card Problems

MarkintheHV — Tue, 18 Nov 2025 10:38:02 GMT

A classic example for always having more than a single credit card issuer, and never travel (or even leave the house) without multiple cards from multiple issuers. I find it embarassing when a card is declined for any reason.

Re: Citi Strata Card Problems

LiamDavis — Tue, 18 Nov 2025 23:45:28 GMT

Good call. It's good to have backup. But you shouldn't be embarrased even if this happens.

Re: Citi Strata Card Problems

Patient957 — Thu, 20 Nov 2025 22:44:17 GMT

@TrapLine wrote:
@AndySoCal

Gads Andy, how could a financial the size of Citi Bank re-enter the premium credit card market make such sizable errors? There is no excuse! If you are in the business you need to get the "bugs" out before going live?

Will ad,d I have Citi financial products back to the early 1970s and I cannot remember a mess like they have now over all those years.

Geez ... shades of US Bank and the Smartly Checking, Savings and Credit Card program!

A total botch job. It largely stems from them trying use the Elite launch to create branch traffic with the split 80Kpublic, 100K branch offer. They apparently didn't foresee whole link sharing thing. It's probably good for folks like many of us, because Citi is obviously totally naive to the churner mentality. As many know, sadly, Chase is catching on and clamping down.