Citi® Secured Mastercard®

Had the card for About a month still has yet to report to the credit bureaus they hold your first payment for 2 weeks because of a lengthy verification process. Good card no annual fee. Long application process will update when they report to the credit bureaus

Had the card for About a month still has yet to report to the credit bureaus they hold your first payment for 2 weeks because of a lengthy verification process. Good card no annual fee. Long application process will update when they report to the credit bureaus

Had the card for About a month still has yet to report to the credit bureaus they hold your first payment for 2 weeks because of a lengthy verification process. Good card no annual fee. Long application process will update when they report to the credit bureaus

It does take a few weeks to get the card after approval. They have a great app for your phone. Make payments from your phone and see all your transactions. My score went up 64 points on Trans & like 24 points on the other just on approval. I have used the card with no issues so far.

It does take a few weeks to get the card after approval. They have a great app for your phone. Make payments from your phone and see all your transactions. My score went up 64 points on Trans & like 24 points on the other just on approval. I have used the card with no issues so far.

It does take a few weeks to get the card after approval. They have a great app for your phone. Make payments from your phone and see all your transactions. My score went up 64 points on Trans & like 24 points on the other just on approval. I have used the card with no issues so far.

Was super excited after reading reviews to see a decent increase in my score after being approved. Waited and waited and no increase...made my first payment...my score went up a whopping 1 point! Sad after I made the $200 down payment on it. Hopefully the following months will show some increase?

Took over a month to be approved and have card in hand .

Was super excited after reading reviews to see a decent increase in my score after being approved. Waited and waited and no increase...made my first payment...my score went up a whopping 1 point! Sad after I made the $200 down payment on it. Hopefully the following months will show some increase?

Took over a month to be approved and have card in hand .

Was super excited after reading reviews to see a decent increase in my score after being approved. Waited and waited and no increase...made my first payment...my score went up a whopping 1 point! Sad after I made the $200 down payment on it. Hopefully the following months will show some increase?

Took over a month to be approved and have card in hand .

Payments might be slow but they are trustworthy so far.

Payments might be slow but they are trustworthy so far.

Payments might be slow but they are trustworthy so far.

Nothing but issues

Nothing but issues

Nothing but issues

They will take away your available balance with no warning at all. And for little to no reason. To the point of you maxing out your card. Or being over the limit! These guys hurt us bad by doing this. With never missing a payment and more then the minimum payment for years! With ascore of 750... Shame on this company. Read the reviews on consumer affairs! Or the BBB,, the only good reviews they have are herefor some reason. 

They will take away your available balance with no warning at all. And for little to no reason. To the point of you maxing out your card. Or being over the limit! These guys hurt us bad by doing this. With never missing a payment and more then the minimum payment for years! With ascore of 750... Shame on this company. Read the reviews on consumer affairs! Or the BBB,, the only good reviews they have are herefor some reason. 

They will take away your available balance with no warning at all. And for little to no reason. To the point of you maxing out your card. Or being over the limit! These guys hurt us bad by doing this. With never missing a payment and more then the minimum payment for years! With ascore of 750... Shame on this company. Read the reviews on consumer affairs! Or the BBB,, the only good reviews they have are herefor some reason. 

AVOID this card, if you can! I applied online, had to put a security deposit down. So, I went and made the deposit online. It never hit my bank, called my bank & citi never tried. So, I got a letter from them stating to make the down payment. The letter had NO customer service number and to talk to a rep, they require a card number or a ssn linked to a card (NOT an application) after two hours, a supervisor (Mr. DAVIS) hung up on me when I asked for an address to file a complaint. I called back and spoke with a different supervisor. Verified my account & routing number submitted WAS correct & there was a glitch in the system. So, I was willing to make the down payment but they wouldn't take it!!!! They said I would have to do another application, aka pull my credit again!!! Even though they just did less than 2 weeks ago. I think this is very shady!!! I should have just been able to reprocess my payment. But, nope! DENIED. Even though I had a letter saying congratulations, make your payment. Listen to these reviews. I didn't think it would happen to me, since I didn't really plan on ever contacting them. But, I did and it was horrible.

AVOID this card, if you can! I applied online, had to put a security deposit down. So, I went and made the deposit online. It never hit my bank, called my bank & citi never tried. So, I got a letter from them stating to make the down payment. The letter had NO customer service number and to talk to a rep, they require a card number or a ssn linked to a card (NOT an application) after two hours, a supervisor (Mr. DAVIS) hung up on me when I asked for an address to file a complaint. I called back and spoke with a different supervisor. Verified my account & routing number submitted WAS correct & there was a glitch in the system. So, I was willing to make the down payment but they wouldn't take it!!!! They said I would have to do another application, aka pull my credit again!!! Even though they just did less than 2 weeks ago. I think this is very shady!!! I should have just been able to reprocess my payment. But, nope! DENIED. Even though I had a letter saying congratulations, make your payment. Listen to these reviews. I didn't think it would happen to me, since I didn't really plan on ever contacting them. But, I did and it was horrible.

AVOID this card, if you can! I applied online, had to put a security deposit down. So, I went and made the deposit online. It never hit my bank, called my bank & citi never tried. So, I got a letter from them stating to make the down payment. The letter had NO customer service number and to talk to a rep, they require a card number or a ssn linked to a card (NOT an application) after two hours, a supervisor (Mr. DAVIS) hung up on me when I asked for an address to file a complaint. I called back and spoke with a different supervisor. Verified my account & routing number submitted WAS correct & there was a glitch in the system. So, I was willing to make the down payment but they wouldn't take it!!!! They said I would have to do another application, aka pull my credit again!!! Even though they just did less than 2 weeks ago. I think this is very shady!!! I should have just been able to reprocess my payment. But, nope! DENIED. Even though I had a letter saying congratulations, make your payment. Listen to these reviews. I didn't think it would happen to me, since I didn't really plan on ever contacting them. But, I did and it was horrible.

I got approved for this card, added a $200 deposit, was able to use my card right away... and paid off already what I had used even tho it wasn’t due. Nov 20 my payment is due again but I haven’t seen a jump on my credit score... how do people say they got points without even using it.. seems like paid reviews... only time will tell and hopefully it does help, I’ll check in 4 months because apperantly that’s what it takes for ur credit score to bump up 

I got approved for this card, added a $200 deposit, was able to use my card right away... and paid off already what I had used even tho it wasn’t due. Nov 20 my payment is due again but I haven’t seen a jump on my credit score... how do people say they got points without even using it.. seems like paid reviews... only time will tell and hopefully it does help, I’ll check in 4 months because apperantly that’s what it takes for ur credit score to bump up 

I got approved for this card, added a $200 deposit, was able to use my card right away... and paid off already what I had used even tho it wasn’t due. Nov 20 my payment is due again but I haven’t seen a jump on my credit score... how do people say they got points without even using it.. seems like paid reviews... only time will tell and hopefully it does help, I’ll check in 4 months because apperantly that’s what it takes for ur credit score to bump up 

Their app decided to pay itself after I had already made my payment & when I didn’t have the money in my bank acct so they cost me a $32 overdraft fee.  I called and they said they would refund the payment, and I could have had my bank reverse the fee if they did.  The didn’t even though I called every day for a week and was told it was all set.  After a week I gave up because at that point my bank wouldn’t reverse the fee.  So I canceled the card because I can’t have someone just sucking $ out of my acct when my payment isn’t even due.  They had my $300 security deposit so when the next payment came do I wrote on the payment slip that they needed to apply the deposit because I had to use my $ to recover from the $32 overdraft fee in my checking account. They didn’t apply the deposit until after they charged me a late payment fee for not paying when they already had my money.  Right now they say I owe them $99. They’re going to have to sue me if they want it because I am not giving them another cent.  If you choose to use this card DO NOT USE THE APP FOR PAYMENT unless your bank account had room for them to double pay themselves.  They said I requested the payment be made, but I did not. I had already made $100 payment and knew I didn’t have an extra $100 so there would be no reason to do that.  After they drained my acct I couldn’t buy food or medication.  It was a really hard few weeks, and now my credit is worse off.

Their app decided to pay itself after I had already made my payment & when I didn’t have the money in my bank acct so they cost me a $32 overdraft fee.  I called and they said they would refund the payment, and I could have had my bank reverse the fee if they did.  The didn’t even though I called every day for a week and was told it was all set.  After a week I gave up because at that point my bank wouldn’t reverse the fee.  So I canceled the card because I can’t have someone just sucking $ out of my acct when my payment isn’t even due.  They had my $300 security deposit so when the next payment came do I wrote on the payment slip that they needed to apply the deposit because I had to use my $ to recover from the $32 overdraft fee in my checking account. They didn’t apply the deposit until after they charged me a late payment fee for not paying when they already had my money.  Right now they say I owe them $99. They’re going to have to sue me if they want it because I am not giving them another cent.  If you choose to use this card DO NOT USE THE APP FOR PAYMENT unless your bank account had room for them to double pay themselves.  They said I requested the payment be made, but I did not. I had already made $100 payment and knew I didn’t have an extra $100 so there would be no reason to do that.  After they drained my acct I couldn’t buy food or medication.  It was a really hard few weeks, and now my credit is worse off.

Their app decided to pay itself after I had already made my payment & when I didn’t have the money in my bank acct so they cost me a $32 overdraft fee.  I called and they said they would refund the payment, and I could have had my bank reverse the fee if they did.  The didn’t even though I called every day for a week and was told it was all set.  After a week I gave up because at that point my bank wouldn’t reverse the fee.  So I canceled the card because I can’t have someone just sucking $ out of my acct when my payment isn’t even due.  They had my $300 security deposit so when the next payment came do I wrote on the payment slip that they needed to apply the deposit because I had to use my $ to recover from the $32 overdraft fee in my checking account. They didn’t apply the deposit until after they charged me a late payment fee for not paying when they already had my money.  Right now they say I owe them $99. They’re going to have to sue me if they want it because I am not giving them another cent.  If you choose to use this card DO NOT USE THE APP FOR PAYMENT unless your bank account had room for them to double pay themselves.  They said I requested the payment be made, but I did not. I had already made $100 payment and knew I didn’t have an extra $100 so there would be no reason to do that.  After they drained my acct I couldn’t buy food or medication.  It was a really hard few weeks, and now my credit is worse off.