I have the Readicredit card, but took it out before the FF points promotion was offered. I have not had any need to call Citibank and hence not experienced the reported poor services myself. I use my account for several main purposes:
- Free cheque book for the few occasions I need to write a cheque
- No account fees, including overseas ATM fees or foreign exchange fees
- Very competitive foreign exchange rates compared with Visa, Amex and Diners Club cards
However, be aware that when you apply for the card (at least when I did) there is no provision to apply for a specific credit amount. They evaluate your history and income and decide how much credit to offer. Note that this will appear on your credit reference (now managed by Baycorp) as an application for what may be a very large amount of credit and that may later affect your ability to gain future credit from other organisations. I believe this is a specific ploy by Citibank and other credit providers to lock people in to their credit services.
I have found the Citibank internet on-line banking site to work pretty well and I use BPay to pre-pay funds into my account before using my card for foreign currency withdrawals when travelling.