RECEIVED A LETTER FROM CITI BANK, STATE THAT MY INTEREST RATE GOING UP TO 29%, AND IF I DO NOT USE AT LEASE OF $2500 A YR, CITI BANK WILL CHARGE $60.00 PER YEAR, SO ON 3/17/2010 I CALL TO CANCEL MY CHANGE CARD AND TRIED TO CASH IN MY REWARDS POINTS, THE OPERATOR TOLD ME I HAVE ABOUT 18000 PTS, WHICH COME TO ABOUT $150. BUT I COULDN'T DECIDE TO GET CASH OR GIFT, AND TOLD I CAN REDEM MY POINT FROM THE INTERNET, THE NEXT DAY 3/18/2010, WHEN I SIGN ON CITI BANK CITE, FOR MY SUPRISE ALL MY POINTS GONE, IT SHOW NONE, WHEN I CALL TO CITI BANK I WAS TOLD ALL MY POINTS JUST GOT EXPIRED, IT HAPPEN OVER NIGHT.. read full review »