Secure Socket Layers
To ensure secure transactions for our cardmembers, Citi^® uses Secure Sockets Layer (SSL). SSL applies encryption between two communicating applications, such as your PC and our corporate Internet server. When your data is transmitted over the Internet, it is encrypted or “scrambled” at the sending end, then decrypted or “unscrambled” at the receiving end. Check your browser to be sure it has the added security of 128-bit encryption.

Secure Firewalls
We protect our secure computer servers with numerous firewalls and specialized hardware and software that control all external communications with our computer network. We constantly monitor these firewalls to prevent security breaches.

Check Emails for Security
The best way to verify a Citi email is to look for the Email Security Zone header at the top of the email. Every Citi Cards email includes your first name, last name, and the last 4 digits of your card number. Please note that Citi will never ask you for your PIN number, and will never include your full account number in an email—only the last four digits. If you receive an email claiming to be from Citi that includes your full account number, do not respond to it. Instead, forward it to spoof@citicorp.com.

Phishing Schemes
Phishing is a kind of credit and debit fraud. By pretending to email from a bank or similar site, scammers “fish” for account numbers, passwords, Social Security Numbers, etc. They trick consumers into divulging sensitive information so that unlawful charges can be made on the consumers account. A number of fraudulent email messages that claim to be from Citi Cards, Citbank, or Citigroup have been forwarded to us by our cardmembers. These schemes change frequently and often have links or attachments with links. Users who click on the links are taken to look- alike or “spoofed” sites where they are asked to enter personal data.

Report Email Fraud
If you suspect that an email appearing to be from Citi is fraudulent, forward it immediately to spoof@citicorp.com. An internet Security Specialist will investigate. If you have replied to an email with personal information, and now think the email was fraudulent, call us at the toll-free number on the back of your Phillips 66-Conoco-76 card. We will issue you a replacement immediately.

Citi^® Identity Theft Solutions
Identity theft or identity fraud happens when someone uses another person’s personal information to commit theft. This information might be a name, address and date of birth, or a Social Security Number, or a mother’s maiden name. Identity thieves use this information to open credit card accounts, obtain loans, drain bank accounts and more.

This rapidly growing crime affects more and more people every day. That’s why we created Citi^® Identity Theft Solutions to help you resolve the matter and get your life back on track. If you suspect that fraudulent charges have been placed on your Phillips 66-Conoco-76 credit card, or someone has used your personal information to commit theft, call Customer Service right away. An Identity Theft Specialist will provide you with the free support you need every step of the way until your case is closed.

Fraud Early Warning
We understand how important security is when it comes to your credit card. That’s why we’ve established Fraud Early Warning. If we notice any unusual activity on your Phillips 66-Conoco-76 account, we’ll contact you to verify the charges. If you believe your account may have been used fraudulently, please call Customer Service at the number on the back of your card for assistance.

$0 Liability on Unauthorized Purchases
You will never have to pay for any unauthorized charges on your Phillips 66-Conoco-76 card account.

The Lost Wallet Service
If your Phillips 66-Conoco-76 credit card is ever lost or stolen, call Customer Service and we will issue a new card at no cost.

View our information on Privacy

Citibank’s comprehensive Privacy Policy explains how and when we collect and disclose your personal information, how you choose to limit the personal information we share and ways we protect the privacy of our website users.