I was a good consumer/customer of Citi Cards for many years. I paid my card before the due date on line and paid more than the minimum due. Then just before the CARD Act went into affect they upped my rate from 12.99% to 29.99%. I refused to pay the new rate so they put me into a program where I got a rate of 7% for a year only if they took the money directly from my checking account. After which time they would review my account and lead me to believe that I would get a reasonable rate after the year. Turns out that after the year they closed... read full review »