Of all the credit cards we have Citi card is the worst to use overseas. Never know when transactions going thru. In one year i was sent two new cards due to fraud detections from Citi.When I try to purchase airline tickets it was declined,after speaking to reps they told me it's going to be fine. After 2-3 tries it's still declined. We registered our Att bill for auto pay, it also would be paid and my service was suspended and was charged $35 to get back online. Citi card is super inconvenient to use