Back in 2006, I changed my address on my Citibank credit card account on the day the payment was due. "The system" would not allow me to make a payment for 2 days, forcing me to be late. Even a call to their call center did not help, because "the system" would not accept a payment for two days following an address change. As a result of them forcing me to be late they increased my interest rate. In late 2008, we, like many in AZ fell a month behind on our mortgage and sought a loan modification. Although we paid Citibank... read full review »