Prior to 2008 I had a good relationship with Citibank Mastercard with a Line of Credit of $20, 000.00. As a business owner when the recession first started to hit, rather than lay employees off I used the credit card to cover expenses maxing it out almost immediatly. Citibank raised my interest to 24% and I reacted. I quickly laid the employees off and in Oct 2008 started a regimented payment of 1.5 times half the montly required payment every two weeks. Essentially making 13 months of payments exceeding the minimum by half more in a 12 month... read full review »