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Citi consistently was the card who would freeze and not work when I was overseas despite me telling them I was traveling leading to many embarrassing moments. T

Citi consistently was the card who would freeze and not work when I was overseas despite me telling them I was traveling leading to many embarrassing moments. They always say, oh we're just trying to protect your account from fraud. I'm like, you already guarantee i'm not responsible for fraud so you're just making my life inconvenient to protect CITI from fraud.

tsycho 3y ago
This still happens consistently, and I don't even have to leave the country, I just have to buy flights to a foreign country (eg: for vacation) or buy something from a foreign website (eg: buying a gift for my family). The only reason I use them is for their 2% cash back on everything, but I have stopped using them for any non-domestic purchases.
- dataflow 3y ago
  > The only reason I use them is for their 2% cash back on everything You can get more than that, see https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashback_cards_with_benefits https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashb...
  - jjav 3y ago
    I have not found any card where you can get unlimited cash back on all categories that still returns more than 2%. Is there one?
    - dataflow 3y ago
      They're literally listed in the table I linked? The first 6 rows are all > 2%. One of them even has the word "unlimited" in the name.
      - zeroonetwothree 3y ago
        All of them require some additional hassle, there isn’t any card over 2% that is straightforward.
        dataflow 3y ago
        Not really. You can fully automate the requirements for some of the cards so you don't have to think about them once you've set up your accounts.
      - jjav 3y ago
        I saw the table but it appears to be wrong or misleading. None of the cards are over 2% unlimited. If you click through the links to the bank websites, they say: 2- It shows the card is actually 1.5% 3- It is actually 1.5% (only 2.5% on the first 10K) 4- It is actually mostly 1%. (3% cash back on gas and EV charging and 2% on utilities and groceries (with a combined $1,000 monthly spend cap)—and 1% on all other eligible purchases) 5- Also 1.5% Didn't keep going. What about the first one? It says "up to 3 points per dollar". The words "up to" sound supicious. And what is a point worth? I spent 2-3 minutes on the website and didn't find answers to any of these questions so I concluded it's not really 3% cash back. Perhaps I'm wrong on this one but when they make the info so hidden it usually means there is a catch.
        dataflow 3y ago
        > Didn't keep going. Hence your confusion. Read the footnotes. The 1.5 is actually > 2 if you fulfill the criteria, that's all it depends on. It's not that complicated, you just need to spend more than 30 seconds on researching it if you really want the cash back. As for the 2.5 one, it's 10k per billing cycle, I believe. That's a $120k/year limit... if you're putting that much, well, you're in the minority, so to speak.
hnick 3y ago
I had the opposite problem - we received a card that we didn't activate (basically, lapsed account, being young and too lazy to close it). They let someone in the USA (we are in Australia) pay a Netflix subscription with it. This was new, so it wasn't one of those inherited authorisations that sometimes exist when a card switches over. So not only did someone get the card number from a card that was never used, they let the transaction through when it was never activated. It took numerous phone calls to sort out. Every time we did, there was a rounding error due to interest, foreign currency fees, etc, which meant we still owed money despite the only transactions being unauthorised. The ladies in the Philippines were nice, but it was ultimately an annoying ordeal.

tsycho 3y ago

This still happens consistently, and I don't even have to leave the country, I just have to buy flights to a foreign country (eg: for vacation) or buy something from a foreign website (eg: buying a gift for my family). The only reason I use them is for their 2% cash back on everything, but I have stopped using them for any non-domestic purchases.

dataflow 3y ago
> The only reason I use them is for their 2% cash back on everything You can get more than that, see https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashback_cards_with_benefits https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashb...
- jjav 3y ago
  I have not found any card where you can get unlimited cash back on all categories that still returns more than 2%. Is there one?
  - dataflow 3y ago
    They're literally listed in the table I linked? The first 6 rows are all > 2%. One of them even has the word "unlimited" in the name.
    - zeroonetwothree 3y ago
      All of them require some additional hassle, there isn’t any card over 2% that is straightforward.
      - dataflow 3y ago
        Not really. You can fully automate the requirements for some of the cards so you don't have to think about them once you've set up your accounts.
    - jjav 3y ago
      I saw the table but it appears to be wrong or misleading. None of the cards are over 2% unlimited. If you click through the links to the bank websites, they say: 2- It shows the card is actually 1.5% 3- It is actually 1.5% (only 2.5% on the first 10K) 4- It is actually mostly 1%. (3% cash back on gas and EV charging and 2% on utilities and groceries (with a combined $1,000 monthly spend cap)—and 1% on all other eligible purchases) 5- Also 1.5% Didn't keep going. What about the first one? It says "up to 3 points per dollar". The words "up to" sound supicious. And what is a point worth? I spent 2-3 minutes on the website and didn't find answers to any of these questions so I concluded it's not really 3% cash back. Perhaps I'm wrong on this one but when they make the info so hidden it usually means there is a catch.
      - dataflow 3y ago
        > Didn't keep going. Hence your confusion. Read the footnotes. The 1.5 is actually > 2 if you fulfill the criteria, that's all it depends on. It's not that complicated, you just need to spend more than 30 seconds on researching it if you really want the cash back. As for the 2.5 one, it's 10k per billing cycle, I believe. That's a $120k/year limit... if you're putting that much, well, you're in the minority, so to speak.

hnick 3y ago

I had the opposite problem - we received a card that we didn't activate (basically, lapsed account, being young and too lazy to close it). They let someone in the USA (we are in Australia) pay a Netflix subscription with it. This was new, so it wasn't one of those inherited authorisations that sometimes exist when a card switches over. So not only did someone get the card number from a card that was never used, they let the transaction through when it was never activated. It took numerous phone calls to sort out. Every time we did, there was a rounding error due to interest, foreign currency fees, etc, which meant we still owed money despite the only transactions being unauthorised. The ladies in the Philippines were nice, but it was ultimately an annoying ordeal.