First, I will start out with why CitiCards is a terrible place to work. Then, I will state why CitiCards is unfair towards customers.
CitiCards is a terrible place to work for many various reasons.
Health risk. CitiCards forces employees to be listed as Productive while on the phone and when they need to use the bathroom. As a result, people can not go use the bathroom when they need to or they will be harassed by management. Employees are required to be 95% productive including setting up your system. You can't be 95% productive and be able to use the bathroom. This causes employees not to drink water, become dehydrated from talking on the phone and not drinking water, and have kidney problems.
Absolutely no job security. They treat employees like they are easily replaceable and at constant risk of having their jobs sent overseas. They make it a practice of constantly bringing in new hire classes. Once a new hire class is trained and out on the floor, there is not a lot of call volume, but CitiCards raises the goals to make them unattainable. Then, they offer VTO (Voluntary Time Off) If you take it, you go unpaid. If you don't take it, you don't reach goal and are written up. Its a win/win for them and a lose/lose for the employee.
CitiCards manipulates employees. They make unattainable goals as I said before, and employees are so extremely stressed out about not reaching their goals. Employees work so hard, and even complain when there is no work to do because they might not reach goal. With all of there hard work, even if they reach goal, the manager has the power to fail them for any reason in the world. The goals come with bonuses, but the bonuses are absolutely nothing compared to the money you make them. Also, people stay at CitiCards for the bonus money because the pay rate is terrible, and raises only average 4% annually (try to pay for gas with that pay rate). If you fail for the month, no bonus. They wait til the end of the month to fail you.
CitiCards is a stressful and hostile work environment. The managers scream at employees if they don't agree with something. Managers are allowed to write employees up for anything even using there vacation time. Don't get a job there. Trust me, you won't be able to take it. The stress, the manipulation, the uncertainty, and the fact that you can't properly assist the customer. They don't train you on how to assist the customer, they just train you on how to make the company money. If no money is involved, you have to transfer the call.
Now, I will state why CitiCards is terrible towards their customers.
CitiCards doesn't train employees on how to properly assist customers. CitiCards only trains employees on how to get money from them either in customer service/sales, retention, or collections. The main goal is the money. Employees are harassed and held personally responsible if their department doesn't bring Citi's share holders a satifactory amount of money. Don't feed their greed.
CitiCards won't refund fees and defaults the APR on the first missed payment. CitiCards won't let you settle an account until they've gotten enough fees and APR out of the customer. CitiCards sells services like credit protector which are a total scam. It doesn't protect your credit unless you knew well in advance that you couldn't make the payment. Otherwise, you have to fill out a bunch of paperwork, and they don't pay the bill for you. All it does is defer the payment. Total crap. Don't waste your money.
Plus, a lot of the customer service jobs with CitiCards are now overseas. From experience, I've had extremely terrible service when calling them. They never understand what you are talking about, and its hard to understand them also.
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