Long established card carrier with no debt outstanding monthly. Variable APR being increased to 20.99!. HOWEVER, if I transfer another balance i get a rate of 9.99% This all seems odd, I would be curious if other customers are being treated this way by Citibank. Also customer service 18669159424 i have found to be very difficult, not able to provide any information at all. Will not connect you with the person you speak to, s manager. All I can do is opt out and cancel the card. Disapointing after so many years. Its interesting the letter comes after I just recently paid the annual fee. I really would hope thats coincidence. Anybody else concerned or am I over reacting and should expect this treatment from Credit customers in the current financial climate. I always pay my balance off every month. Thank you