I have stellar credit above 800. Citi only approved me for a miserably $3500. Bunch of crap. I mainly applied for this car to use it for balance transfer. Cant use this card for balance transfer when the credit limit is too low. $3500 what a joke. $10 000 to $15000 at minimum for people with excellent credit.

What a joke trying to consolidate because interest is killing me got a $500 limit complete waste of time

Initially, I got approved for this card with a 650 credit score and approved for $2500. I transferred my existing balance of two other cards at $1800, which I paid off within 21 months with 0% APR. I got two automatic credit increases within my first year. This card truly helped me with my credit journey.

I had it all they want access to your checking acct. I paid them off and they owed me a credit refund. Got the credit refund and they put it as a purchase, it was open from 10/2-10/13 before it paid off and charged me $13 interest. That was not right

I wanted this card because it had an almost 2 yr no interest balance transfer option. I planned to transfer my 6.3% car loan to it when to my surprise my credit limit turned out to be $500! I have great credit and usually pay off my balances monthly. I would have never applied for this card if I knew I could never use it!

applied with 726 credit score, approved with only $500 credit line!!! was looking to transfer $4000 into this card, but now idk what i’m going to do with a $500 credit line…the 0% APR for 21 months is appealing, but what’s the point if you can’t actually utilize it?

I read the reviews but I tried to apply anyway. My fico scores are 680, 704, 696, utilization is around 40%. I applied and got approved with $3000 limit.

I read the horror stories, but people are complaining that they have a score of 725 or 755 and citi did this and that, thats a decent score, but by no means is it Great. I have 830, I have one card (Not this one) $100K credit limit, and never allow it to go above $2000. FYI 20% of the population has 800+ score. I went from 505 to 830 in 6 years, it's not hard, just use auto pay, no inquires 1-2 MAX, and keep Credit utilization 1-5%. 0% utilization hurts your score as does anything above 5%

applied with 650 credit score and was approved.

Owned the card for 5 months and only use the card for emergencies. The limit was 8k used less than 1k and they reduced my credit to that amount ...I'm paying and canceling because this reduction also hurts my credit score with less credit available