Free-money bank promos always look tempting, but the fine print decides whether it is worth the hassle. My coworker once opened an account for a bonus and then spent weeks tracking dates, direct deposits, and card rules. The money was real, but so was the admin. Banking rewards are only fun if the process stays clear. Before chasing a promo or sorting a card issue, I would want Citibank phone number in the mix so nobody guesses about deadlines or requirements.