While I'm not thrilled with other Citi products, this one is pretty good. Easy to read statements, online account management and a seriously low interest rate (8.24 after a year of 0, which we loved). No complaints, save for one.

Doing a chargeback is a NO GO. They will NOT advocate for you with a merchant. If you get ripped off, you are SOL, period. I never even got the paperwork they said they would send for me to do a chargeback. THAT made me mad since the inferior service was 60 bucks! Thats a heck of a loss.

I am reading from alot of consumers that they have seriously raised their interest rates. That won't fly with me. If they raise my rates, I will transfer them and close so fast thier heads will spin.

It was the lowest rate card that I had, then for no reason at all, they added 10% to the interest rate. That got me to opt out and cancel the account. That will cost citigroup quite a bit in fees not to mention the interest that they won't get. No wonder they are having problems.

While I'm not overly impressed with the rates on this card, they recently sent me a change in terms that gives the rate at 15.99 variable, it is a good card. I have used it for about four years now and I've never had any issues with it. Whenever I've had an issue with payments not posting properly or other such things they are always easy to communicate with. The best part is the ThankYou rewards which are great, and the no annual fee. If you don't tend to carry a balance this card is a good card to get rewards from.

I happen to use this card for quite some time now and it is really good deal. The grace period is on par with other expensive cards and its bonus coupons are really excellent. But the rates are little on the higher side..

I just got this card myself. The apr is great, the 0% I mean of course lol. After that as it says it's a "variable" 8.24 so it's subject to change probably based on your credit score, but that's a ways off. Sure enough, the email discount system works like a charm, I've already started using the coupons.