A:Press ** for the voice-activated system. Next, say "Apply.".Our free phone can also navigate phone menus to get a live human at Citi Cards for you.
Q:
Does Citi Cards offer 24 hour customer service?
A:Yes! This call center operates 24 hours a day, 7 days a week.The least busy day is Sunday, and the most busy day is Monday.Schedule a call when it's convenient for you.
Q:
How long will I wait on hold?
A:The average hold time is 3 minutes and 40 seconds.The longest hold times are on Saturday, and the shortest are on Sunday.You can skip the hold time for free.
Toll-free · 24 hours, 7 days · Press 0 at each prompt · How can I help you? (Respond to the question.) · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · Do not say anything and do not put in any numbers. · Advantage Card - How can I help you? (Respond to the question.) · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · Do not press or say anything, ignoring messages OR Press ### then ### then ### again · Account Online Support - To access your account by account number, press 1. To access your account by social security number, press 2. · Free tools available: Talk for me, Skip the wait, Schedule my call
Toll-free · 24 hours, 7 days · Business Cards only - just wait - you may need to enter your account # · Business Cards - How can I help you? (Respond to the question.) · Free tools available: Talk for me, Skip the wait, Schedule my call
How do I get through the phone menu to a live person?
Consider using our free service that calls and talks to customer service for you, then sends you a report. Or use our free service that waits on hold and tells you when a human rep is on the line. But if those options don't appeal to you, our team has also documented the phone menu for Citi Cards below.
Our AI powered phone can dial, navigate the phone menu, wait on hold, and even talk to customer service for you, for free. You don't even need to learn about the path through the various phone options.
That same, free GetHuman Phone can call and navigate the menus and wait on hold for you, but you can opt to do all the talking. We notify you when a rep is on the line and ready to talk, so no need to worry about changing menu options and weaving your way through the maze.
Of course, we completely understand if you prefer to do all the dialing, waiting, and talking yourself. All of these free tools are optional.
GetHuman researchers routinely call this Citi Cards phone number to document the phone system.
Here is how our research team describes the way the Citi Cards phone system greets you: How can I help you? (Respond to the question.)
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Press ** for the voice-activated system. Next, say "Apply."
Below are some clips we've found from Citi Cards's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
They may ask your reason for calling (instead of a menu)
"Welcome to Citi cards. This call may be monitored or recorded.
You are now in our speech enabled system. To access our touch tone system, press star star at any time.
How would you like to add how would you like to access your information?
You can say credit card number, or you can also say Social Security number."
Excerpt from a call with Citi Cards
Friday, July 18, 2025 4:04 PM
They may ask you to say or enter information
"I can assist with your balance inquiry, but first, let me access your information.
You are now in our speech enabled system.
To access our touch tone system, press star star at any time.
How would you like to access your information? You can say credit card number, or you can also say Social Security number."
Excerpt from a call with Citi Cards
Monday, February 26, 2024 8:21 PM
The first phone menu
"Welcome to Citi cards. This call may be monitored or recorded.
How can I help you today?
Let me transfer you for further assistance.
How would you like to access your account information?
To use your account number, press one.
To use your Social Security number, press two.
If you would like to apply for a new account, press three."
Excerpt from a call with Citi Cards
Thursday, January 11, 2024 11:45 PM
What are the hours and when should I call?
Citi Cards operates the call center for this 800-950-5114 phone number 24 hours, 7 days.The short answer is that you should call on a Sunday.This observation and the following section are based on analysis of a sample set of 985 calls made in the last 90 days using our free, web-based phone (see above).
Call when they- and you- are open
When you use our free AI-powered phone to call and talk, wait on hold, or navigate for you, you can also schedule the call with Citi Cards at a time when they are open and when it works for you. We will confirm you are ready before placing the call, just in case. That means you can "set it and forget it" ahead of time.
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Citi Cards phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Citi Cards staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Citi Cards is Sunday.The most busy day to call is Monday, which averages 91% more phone calls by comparison.Again, this is based on a sample of 985 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Busiest
Tue
Wed
Thu
Fri
Sat
The shortest wait on hold
We measured the shortest hold times to be on Sunday.The longest wait in the queue on average occurs on Saturday, which is 11531% longer than the minimum.As you can see, there is more fluctuation in hold time over the course of the week than there is in call volume.
In summation, the best day to call Citi Cards is Sunday.In this case, it's a no-brainer. Sunday is not only the least busy day for calling this Citi Cards number, but it is also the day with the shortest hold times.
I wanted to talk to someone at Citi Cards before I open up a credit card with them. I received some mail from them and it was enticing, but I don't want to open up a credit card blindly. I wanted to talk to someone about the interest rates, when they expire, and any associated annual fees. Citi Cards has a fairly large name and a lot of customers, so I was aware that it may take me a while to talk to someone. However, I still want to talk to someone before I apply and my credit gets with an inquiry so I made the call.
When I called, an automated voice answered and said, "Welcome to Citi Cards. This card may be monitored or recorded. How can I help you today?" I answered that I wanted to "talk to someone" with the hope that I would get right to someone. Unfortunately, I did not have that type of luck. The assistant replied back, "To accurately direct this call, I will need a little more information. In a few words, tell me the reason you called."
I tried once again to say that I wanted to talk to someone, but once again the virtual agent redirected me and asked for more information by saying, "I understand that you are requesting to speak with a representative, to proceed, please let me know what you need assistance with."
I had nothing else to say, so I once again said that I wanted to talk to someone about a card and it just kept looping in the same mess. I wasn't able to get anyone to actually talk to. I ended up hanging up because there was no point. I didn't have a card number to enter so I wasn't able to get the system to let me go any further in the discussion.
Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.
Why Customers Call Citi Cards
If you have time to do a bit of reading before you call Citi Cards, we recommend you read over some of our problem-specific articles.
Click the link above to get answers to just about any Citi Cards customer service question, including step by step guides for the most complex issues. You can also detail a new issue and get answers instantly.
Below is a sample of recent calls to Citi Cards, and their purpose. Are any of these similar to the reason you are trying to call?
Wrong credit card issued: "I would like to talk to somebody; you sent me the wrong credit card."
- From a call lasting 7m 39s , Jul 17, 2025 4:54 PM
Request to talk to representative: "Wanna talk to a human being."
- From a call lasting 6m 31s , Jul 2, 2025 4:55 PM
Question about authorized users: "I actually have a question about authorized users and whether they get age benefits."
- From a call lasting 2m 55s , Jun 27, 2025 8:51 PM
Billing issue assistance: "I'm calling with a billing issue."
- From a call lasting 3m 8s , Jun 4, 2025 6:02 PM
Stop promotional mailers: "I would like to stop receiving promotional mail from Citi Cards."
- From a call lasting 10m 8s , May 16, 2025 12:04 AM
Information about why customers call Citi Cards is extracted from issues that customers have reported to GetHuman.
As a last, sometimes only, resort- Citi Cards customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
This is Citi Cards's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Citi Cards agent. This phone number is Citi Cards's best phone number because 1,182 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 800-950-5114 include Account Access, Overcharge on Account, Cancel Account, Points Redemption, Lost or Stolen Card and other customer service issues. Rather than trying to call Citi Cards first, consider describing your issue first; from that we may be able to recommend an optimal way to contact them via phone or web. In total, Citi Cards has 5 phone numbers. It's not always clear what is the best way to talk to Citi Cards representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.
GetHuman does not provide call center services or customer support operations for Citi Cards. The two organizations are not related. GetHuman builds free tools and shares information to help customers of companies like Citi Cards. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.
