Has Citi ever held your payments on your account? I have a Citi Costco card and have had it for almost two years and not one payment has ever been held. Just recently I got the Double Cash and almost every payment I’ve made has been held for a week so my available credit doesn’t update till the hold is removed even if they already got my money for the payment. Has anybody had this issue? Also when I got my Double Cash I received the bonus offer of spending 500 for 100 cash back. When I called to check when I should get this cash back on my account since I’ve spent over 500 and it’s been a month already they told me that no such offer existed on my account. Like are you kidding me?
As of 11/28/2018
Mine was a brand new account. That’s how it is with my Costco card. It post right away but not with my double cash. For some reason they keep putting holds. I called them and they continued to say that there’s no spend offer whatsoever so I closed them. I was really close to closing the Costco card too.
No payments have ever been returned. Clean profile. In the 700s. They said that because it’s a new account they are wanting to make sure the money is going to be paid. We did a three way call with my bank once to make sure my payment cleared. Just embarrassing as if I don’t have the money to pay them back and then to say that I don’t have the spend offer. They robbed me of 100 dollars and are now closed.
I had a similar issue with the signup bonus. They said you have to apply through the correct link that had the bonus verbage to get the bonus on your account. After a few calls and hitting the bonus requirement in the first 2 weeks and good spend afterwards they gave me the bonus and a separate $10 bonus for the trouble. I keep posting warnings about the bonus issues trying to help others avoid the hassle. Sorry you missed em. 
Hopefully a few will see this one.
Payments though reflect on my available credit immediately, and I mean the second I initiate the payment through the app.
Sorry to hear about the trouble they gave ya, I was worried I'd end up closing my card within a month but held off and it's been smooth sailing since.
Good luck in your future company relations. There are better out there service wise.
Hopefully a few will see this one.Payments though reflect on my available credit immediately, and I mean the second I initiate the payment through the app.
Sorry to hear about the trouble they gave ya, I was worried I'd end up closing my card within a month but held off and it's been smooth sailing since.
Good luck in your future company relations. There are better out there service wise.
FP3500 ... good information and a "heads up" on the oddities of paying bonuses! 
@Anonymous wrote:
I had a similar issue with the signup bonus. They said you have to apply through the correct link that had the bonus verbage to get the bonus on your account. After a few calls and hitting the bonus requirement in the first 2 weeks and good spend afterwards they gave me the bonus and a separate $10 bonus for the trouble. I keep posting warnings about the bonus issues trying to help others avoid the hassle. Sorry you missed em.
Payments though reflect on my available credit immediately, and I mean the second I initiate the payment through the app.
Sorry to hear about the trouble they gave ya, I was worried I'd end up closing my card within a month but held off and it's been smooth sailing since.
Good luck in your future company relations. There are better out there service wise.
It's just weird because what is considered the "correct" link? like it shows Citi's branding and the Double Cash card and it shows the bonus. Then I apply. Soooo? I didn't have the patience for that. In one day I called quite a few times because they "couldn't" hear me. Funny thing is the first person that helped me could hear me just fine but once I called back and explained my problem this started happening and they would hang up. Well being honest I have better relations with other banks. Amex, Discover, and US Bank. Not worried about stingy Citi. Haven't closed the Costco card I have because I have already accumulated 200 dollars in cash back but once I receive that next year they are going to get cut.
@Anonymous wrote:FP3500 ... good information and a "heads up" on the oddities of paying bonuses!
Have only had this same issue with two banks. Citi and Capital one. My mom had barely got the Quicksilver card which had the spend 500 for 100 back as well and they said no such offer existed. I just won't deal with liars.