After insistent phone calls frorm CitiBank to get their Credit Protector insurance, I decided to get it. After all, you never know if you may loose your job. It happened I was laid off and guess what? I did not qualify for the protection. Of course it was all my fault for not reading the booklet with all the terms and conditions. In the meantime, I continued unemployed for three more months. The bank fixed all the inconvenience by charging me with higher interest rates and awful fees for me not being able to make the minimum payments. What a great business practice!! Squish you client, who has been giving you money for years when they most need help! read full review »