Poor design
Does not support credit refund through the app without having to call an ai agent, even though the app has my banking information. You have to call the 1-800 number and request a refund because if you go to make a payment and attempt to transfer funds from the credit card to your personal bank it will give an automated message that you can not make a payment because the card has a negative balance if it was overpaid on a split disbursement. Would be better if the app allowed the card holder to get their refund through the app without having to call an ai agent and waste time.
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Worse card for service members
You call the number on the back of the card. An AI voice cheerfully greets you, then forces you through a maze of options that never match what you need. After 45–90 minutes (sometimes two hours), you finally reach a human. The agent is offshore, the connection is crackly, and the accent is so thick that neither of you understands the other. They transfer you three times. Each transfer restarts the verification process. By the time someone who might know what a dispute is comes on the line, they’ve already hung up on you once “for security reasons.
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Service members deserve better
It’s a very bad app with outrageous security requirements, clunky UI, slow processing speeds, and is just all around useless. You can’t do anything on the app. And you can’t do anything on the app and website at the same time in 2026 because that’s basically trying to steal nuclear launch codes. It’s clear Citi is just cashing the contract checks and leaving the service members to deal with this junk. This app needs to be brought into not just 2026, but the 21st century.
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Changing password
Changing passwords is a miserable experience. Being unable to copy and paste from the password manager means typing it on a little screen keyboard. The password is blanked ‘for security’ so you can’t see
Doesn’t integrate well with Apple password manager, which will only write to the first one. You’ll have to write it down then manually enter on the little keyboard for the second entry.
Apparently 18 characters is the maximum so a proper secure password is blocked. It has to have certain ‘special’ characters, but the checking is broken so even if you do it still rejects the password. Or maybe i mistyped, i couldn’t tell.
All in all a horrible experience. One step away from ‘make them reboot after every typo’. It’s so miserable it has to be malicious.
Doesn’t integrate well with Apple password manager, which will only write to the first one. You’ll have to write it down then manually enter on the little keyboard for the second entry.
Apparently 18 characters is the maximum so a proper secure password is blocked. It has to have certain ‘special’ characters, but the checking is broken so even if you do it still rejects the password. Or maybe i mistyped, i couldn’t tell.
All in all a horrible experience. One step away from ‘make them reboot after every typo’. It’s so miserable it has to be malicious.
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Bad user interface
Very small character with grey color and bad contrast difficult to read. No zoom. Menu not comprehensive. How can we propose a such interface on modern devices ?
