I hold a Citibank credit card too. So far I have not encountered any problems with the card.
I guess any credit card company would have it’s good and bad points. When we are reviewing any entity, we have to look at both sides. Of course, we may have days when you will get quite upset with the bank and there could also be days when you are pleased with their services. However, if we are faced with one aspect of their service and it is not good, then it does not mean that all of it is bad, we have to give them a fair chance. Maybe anyone having problems with the personnel answering manning the phones or helpline, should take the trouble to go down to the bank and see a senior officer. It could be possible that they are unaware of this situation and would be glad of your feedback, to improve their system.
Hence, I think that when you encounter any telephone banking problems or anyother kind of problems, one should make the effort to go down in person to sort things out.
Matters settled face to face are better for all concernced as you can see what the officer’s response is and the officer can see how upset you are with their current services and you would both, I think, be better off for it.
Matter of this kind are best handled face to face.