I have been a user of Citibank cards for years. The majority of my student loans are also through Citibank. I recently obtained a Citibank American Airlines American Express. I pay each of my monthly bills at the beginning of each month, as I am paid monthly. I had the card for only a few months, but I had decided to use it for slightly larger items, such as plane tickets, that I intended to pay off over a 2-3 month period. During the month of April, I made a payment. Then, at the beginning of May, once I received my paycheck, I made a... read full review »