when we initially signed up for a citicard mastercard credit card they offered the credit protector service to us with a $15.00 check to try it on a trial basis, and we could cancel within a 28-30 day period. after we received the $15.00 check in the mail and cashed it, we immediately called to cancel the credit protector trial service, and ofcourse they offered it to us at a lower rate, but we still declined and DID cancel this service before the trial period expired. unfortunately we didn't notice the charges for this bogus service on... read full review »