It was nice to find out (by chance) that Citi cards had raised my APR on all 3 of my accounts without notification!!! I've never been late or not payed at least the minimum each month. 3 months had passed since they raised my rates! I verified with Citi and they confirmed that they had my correct address. Funny how they can get my bills to me!!! Oh and another convenient tactic for them, they have no way of refunding of the diff. sorry. Nice how we (as americans) can bailout (not by choice) the credit companies only for them to turn around and raise our rates without reason, just cause, or NOTICE!! read full review »