Today, suddenly, when trying to log on to my CITIBANK account on the internet the user name and password for my bank account were not good enough anymore and now a PIN had to be entered, as well as the bank card number??!!. I have no need for a CITIBANK ATM card - just do banking in person at my branch. So, I could not get at my account on line, do the transfers needed or set up a recurring payment, etc.. India wil MAIL me a PIN. I am not joking - you have INDIA when you call CITIBANK. Now, it means a week at least until... read full review »