First, they declined my application.  Which is insane.  Why?  My FICO scores range from 835-850.  Yearly earnings vary from $230,000 – $260,000 per year.   We have NO DEBT.  I have a number of credit cards but they are paid off every month. No loans, just paid off our million dollar home.   
Assets in the range of millions.

Then, after I complained, they opened the credit card with a limit of $2000.  LOL!  Really????!!!   The same day I applied to Chase Sapphire and got a very large limit and a few months later with Fidelity Signature Visa and got an even larger limit.  (Just sayin’.)

But it gets better!   Even though I have had a separate Citi Double Cash card for OVER A DECADE and have a flawless record with that, they refused to apply my payments to the Premier card for WEEKS.  That’s right – they take the money from my bank and refuse to allow me to use the credit line even though they have the money for weeks.  It is the same payment account being used to pay the Citi Double Cash card, by the way.

This is a form of theft, is it not?  Think about it.  They take the money from my bank account and, in effect, create a forced loan from me to them because they don’t make the money available to me to use, but they HAVE IT.  Somewhere, right?  Free interest for them using my funds in a forced loan every time I make a payment and wait for weeks for it to be applied to my credit line.

They are treating me like a brand new customer they have never met before – after over 10 years with them as a customer they act like this 5 month old account is suspect and I am engaging in criminal activity that needs close monitoring.  And the credit limit of $2000 makes the card virtually UNUSABLE.   

Working with their customer service has been an exercise in frustration.  I despise Citibank and me and my family members are closing all accounts with them ASAP.

agreed, so what has been done ?

FYI, I tried to refer my sister to this card but when she clicked the link it showed her a reduced bonus compared to the current public offer. I called chase and they confirmed that the new card holder will get a smaller offer if they use a referral. Now I can’t in good conscience refer anyone, since I know they are better off just applying themselves. Even if it’s a spouse it was still better to get the regular offer than to add up the referral bonus and the reduced referral offer amount (current public offer 100K, reduced offer through referral link 80K, and referral bonus 15K).