In August, for the first time in my relationship with Citi Cards, I was one day late with my monthly payment. Not only did they charge me a $39 late fee, they TRIPLED my finance charge rate and doubled my minimum montly payment. I tried to reason with them to no avail and so I stopped making payments. They sent me a letter inviting me to contact them to discuss this and work out a solution that was satisfactory to all. I did so. I spoke to their agent, “Merlin“, number “MP66622“. She said the APR would be rolled back... read full review »