Long established card carrier with no debt outstanding monthly. Variable APR being increased to 20.99!. HOWEVER, if I transfer another balance i get a rate of 9.99% This all seems odd, I would be curious if other customers are being treated this way by Citibank. Also customer service 18669159424 i have found to be very difficult, not able to provide any information at all. Will not connect you with the person you speak to, s manager. All I can do is opt out and cancel the card. Disapointing after so many years. Its interesting the letter come... read full review »