I recently went to Citizens Bank to open ANOTHER account. They took an awful lot of time to push me to open a new credit card with them. I saw Minh Binh Luu at the Brighton Mass location. He definitely gave me lousy advice to transfer a balance...with 0% interest. He NEVER mentioned THE BALANCE TRANSFER FEEEEEEEEES. I already have another line of credit with very low interest. I went back to the bank. THey wouldnt help me. I spent 45 min on one call AND ANOTHER 30 MIN. on another call. I wanted the fee waived. It wouldnt hurt them to waive the fee. I am a very good long time customer which they DO NOT CARE AT ALL ABOUT. When I had a BIG PROBLEM WITH CAPITAL ONE, they actually gave me MONEY !!! for my troubles. I was very upset, and they actually did something about it. I CANCELLED MY CREDIT CARD AT CITIZENS and they certainly DID NOT CARE AT ALL. DO NOT GET A CITIZENS BANK CREDIT CARD...THERE IS NO CUSTOMER SERVICE AT ALLLLLLLLLLLLLLLLLLL.