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Things I like and don't like about Citi Double Cash

AustinOK
Regular Contributor

Re: Things I like and don't like about Citi Double Cash


@leezzy wrote:

@Dinosaur wrote:

@leezzy wrote:

It is a weird looking card. On mine, the MC logo doesn't match up with the ridiculously large W O R L D E L I T E... I really don't care for how it's flat, either.


In some security circles ... the flat is suppose to make it harder to steal the carholder information ... believe what you will.


Weird. Never heard that one before. 


The thought behind the flat cards being "safer" is that people can get a quick imprint of your information, thus making a "fake credit card" where they glue the numbers onto another fake one and tell a cashier that the swipe strip is worn, and have the merchant enter the card manually, thus creating a fraudulent transaction with a physical card that has your card number on it.

 

But, today I feel like that is also fairly pointless, as people can just as quickly take a quick picture of your card with/without raised lettering. So, who knows.

Message 11 of 30
Lavathing
Regular Contributor

Re: Things I like and don't like about Citi Double Cash


@Fortjay wrote:
I have had two new card sent to me due to the fact I accidentally damaged one and lost another. Both times I used expedited shipping, neither time was i charged. This is the first I've heard about a fee.

As for the card design? Eh. I don't think it's a great looking card, but far from the worst I've seen. I actually like that all the info is on the back of the card and wish more companies would adoput this policy. Discover is the only other one that does to my knowledge.

Chase puts the card info on the back of many of its cards as well.

 

Regarding how the Citi DC looks, I think it looks fine. I don't personally have one, but I have a family member that does and I think i looks good. The only thing I don't like is that it is flat, rather than raised. For some reason raised information feels more premium to me.

EQ: 750 TU: 757 EX: 734 Goal: 800+
Total Credit: $34,800 | Utilization: $900 / 2.6%
Message 12 of 30
SunriseEarth
Moderator Emeritus

Re: Things I like and don't like about Citi Double Cash

Ah, the Citi DC.   Love it, or hate it, or both.   Overall, I think it's a good gen spend card.  The Rewards program itself, with the 1+1 structure seems to work fairly well overall.  It's not the best cash back program in terms of thresholds and rewards posting, but it's also not the worst.

 

But there are some flaws.   SLs and initial APRs aren't ideal, but can be fixed over time.   However, I think the biggest problem with Citi DC is Citibank, especially in the area of their frontline CSRs.   But if you can do most of what you need to do online or in the automated phone system, you'll probably be fine.

 

Also, I'm not a fan of the DC appearance.   But then again, the Barclay CashRewards cards is much better looking, but with less rewards and a much higher redemption threshold.  



Start: 619 (TU08, 9/2013) | Current: 798 (TU08, 8/2/21)
AMEX Cash Magnet $64000 | Discover IT $46000 | BofA BBR #1 $43900 | BoA BBR #2 $31100 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Sony Card VS $23750 | GS Apple Card WEMC $20000 | Freedom Flex WEMC $20000 | Cap 1 QS WMC $17250 | Disney VS $15000 | FNBO Evergreen VS $15000 | Target MC $14000 | WF Active Cash VS $12,000 | Citi Custom Cash MC $11600 | Jared Gold Card $11000 | Amazon VS $10000 | Cash Back World WMC $3000 | AARP VS $800 | ~~
Message 13 of 30
HeavenOhio
Community Leader
Senior Contributor

Re: Things I like and don't like about Citi Double Cash


@AustinOK wrote:

The thought behind the flat cards being "safer" is that people can get a quick imprint of your information, thus making a "fake credit card" where they glue the numbers onto another fake one and tell a cashier that the swipe strip is worn, and have the merchant enter the card manually, thus creating a fraudulent transaction with a physical card that has your card number on it.
But, today I feel like that is also fairly pointless, as people can just as quickly take a quick picture of your card with/without raised lettering. So, who knows.

 A friend of mine is a restaurant manager who's had to deal with employees who steal. She says it's much less conspicuous to grab an imprint of a card and write down the security code than it is to photograph it.

Message 14 of 30
Kforce
Valued Contributor

Re: Things I like and don't like about Citi Double Cash

 

Another feature that I like is the ability to pay on the statement date

and have it credit "NOW", allowing full control of how much is left on

the statement or pay in full at the last second.

 

I had fraud on it about 1-year ago, they sent out new cards, had them the next day,

no charge.

 

FNBO Cashback Visa (20k) / Bank-West Cashback MC (20k) / USAlliance 3% Visa (20k)
Two Old CU cards (20k each) -- (Sock Drawer) / Secret 3% MC (20k)
Ficos : 830 / AAoA : 9 yrs / AoOA : 24 Yrs / AoYA : 0
Message 15 of 30
red_baron
Regular Contributor

Re: Things I like and don't like about Citi Double Cash

I've reported my card lost many times and CITI always offered the option rush delivery a new card at NO charge. 

 

One gripe though is Citi is very strict with their CLI.

 

#1 - They won't CLI for a newly open account even if you have an existing product with them with history.

#2 - There's a hard 6-month rule for CLI from when you had your last one. Even contacting Excecutive office will not get you much luck.

#3 - In order to speak with a Credit Analyst for a CLI, you must initiate a HP to speak to one. There's no backdoor to get directly in touch.

 

Other:

#4 - All front-line customer service agents are from a foreign country, unless you call during a nice time, which you'd get someone from Florida.

#5 - No fingerprint sign-in option available for Mobile App (Android).

#6 - if you want to get a Direct Deposit for your cash back, you need to establish history (and continue to establish history) by making payment from your bank account via Citi's Online system (and not through your bank's bill pay).

Message 16 of 30
j615
Regular Contributor

Re: Things I like and don't like about Citi Double Cash


@red_baron wrote:

#5 - No fingerprint sign-in option available for Mobile App.


Fingerprint Touch ID works great on iOS now. Not sure about Android.

Message 17 of 30
SunriseEarth
Moderator Emeritus

Re: Things I like and don't like about Citi Double Cash


@red_baron wrote:

I've reported my card lost many times and CITI always offered the option rush delivery a new card at NO charge. 

 

One gripe though is Citi is very strict with their CLI.

 

#1 - They won't CLI for a newly open account even if you have an existing product with them with history.

#2 - There's a hard 6-month rule for CLI from when you had your last one. Even contacting Excecutive office will not get you much luck.

#3 - In order to speak with a Credit Analyst for a CLI, you must initiate a HP to speak to one. There's no backdoor to get directly in touch.

 

Other:

#4 - All front-line customer service agents are from a foreign country, unless you call during a nice time, which you'd get someone from Florida.

#5 - No fingerprint sign-in option available for Mobile App.

#6 - if you want to get a Direct Deposit for your cash back, you need to establish history (and continue to establish history) by making payment from your bank account via Citi's Online system (and not through your bank's bill pay).


For #5, fingerprint works fine on iOS.   As for #6, I recently had this problem, when I wasn't able to redeem to my NFCU checking account.   I had "only" made three payments using that account, which apparently wasn't enough history.   I left Citi some feedback that was very critical of that, and wound up getting a call from an account specialist looking to resolve it.  



Start: 619 (TU08, 9/2013) | Current: 798 (TU08, 8/2/21)
AMEX Cash Magnet $64000 | Discover IT $46000 | BofA BBR #1 $43900 | BoA BBR #2 $31100 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Sony Card VS $23750 | GS Apple Card WEMC $20000 | Freedom Flex WEMC $20000 | Cap 1 QS WMC $17250 | Disney VS $15000 | FNBO Evergreen VS $15000 | Target MC $14000 | WF Active Cash VS $12,000 | Citi Custom Cash MC $11600 | Jared Gold Card $11000 | Amazon VS $10000 | Cash Back World WMC $3000 | AARP VS $800 | ~~
Message 18 of 30
EAJuggalo
Established Contributor

Re: Things I like and don't like about Citi Double Cash

I've only had my DC for a couple months but for over a month of that I couldn't use it.  They put a FA on my card when I rented a moving truck, when I told them I was moving.  Then wouldn't verify me over about 15 calls back and forth with them.  Told me they would call me back, never did.  Once I get done paying off my charges I don't know how much it will be used now that i have a Disco and Amex.  I've actually been putting most of my non-cat spend on my Quicksilver lately.

EX680 TU 659 EQ 691
Cap1 QS-$4,500 Chase Freedom Visa- $800 Chase Freedom Unlimited- $500 Victoria's Secret- $2000 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $10,000 AMEX BCE-$1,000 AMEX Gold-NPSL
NFCU SSL $88/1005
Message 19 of 30
red_baron
Regular Contributor

Re: Things I like and don't like about Citi Double Cash

For #5, fingerprint works fine on iOS.   As for #6, I recently had this problem, when I wasn't able to redeem to my NFCU checking account.   I had "only" made three payments using that account, which apparently wasn't enough history.   I left Citi some feedback that was very critical of that, and wound up getting a call from an account specialist looking to resolve it.  


It will not be fix. It's just a policy that they have in place, which have been going on for 2 years now. Discover does the same thing when you try to redeem your rewards via direct deposit. 

Message 20 of 30
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