Join Date: Jun 2007
Location: New England
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It's a Citicard - the woman told me it's an across the board decision. And she was wonderful to me on the phone - very helpful (my payment had arrived late for some strange reason and she waived my fee and reversed my rate increase penalty). We have an ENORMOUS balance on the card and have stopped using it anyway (very little balance left...) and it's one of (shhhhh) like, 7 credit cards. So even though we've had it for almost 10 yrs, I'm not thrilled about paying an extra 4% (it increases to 16%!) on that huge balance. ANd I'm not closing my account so much as I'm letting it expire. Isn't that different?
Citibank is really in trouble these days. I have a small bablance at 1.99% on my Citibank card and for "some strange reason" my last payment also came in late--even though I sent it in PLENTY of time for it to be received--and all my other bills paid the same date were received by their various places within a day of each other. Never in my life have I EVER had a late payment. They charged me a late fee, jacked my rate up to 28.99%. I was on the phone with them for over a week and finally got it all straightened out, dropped the late fee, lowered my APR, etc. I have decided to go ahead and pay off that balance and be done with Citibank just because of the crap they pulled. I know I wasn't making them a lot of money, but now they won't be making any money off of me anymore. We're also in the process of refinancing out mortgage (currently held by Citibank) and didn't even consider going through them. Partly because the rate we were quoted was slightly higher than the local bank, and partly because I don't want to give them a penny more!
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