I am investigating a loan refinancing program that Citi Financial personal loans has. I originally went in and borrowed 5000, since my credit was bad naturally the interest rate was high, it put my balance to 12, 000. then over that last 3 years I have refinanced it 3 times, and not really paying any attention until I just ran a credit report for myself, I noticed that everytime I refinanced the loan to get a lower rate, the orginal loan amount was the new balance! What is up with this. I have been make at least a $230.00 monthly payment to... read full review »