I received a letter from CitiBank about my Credit Card. I have had this card for quite some time and I have paid off balances twice with them. Now, I have a balance and I have paid on it every month, sometimes the minimum and sometimes more. Now they are saying that after August 31, 2010 they will be closing my account if I don't agree to a payment plan. I either have to agree paying $150 per month for six months and then they won't decrease my credit limit, or pay the minimum for six months and have my credit limit decreased. I called them and now they are harassing me because I won't agree to the one of the plans. They are saying that the reason for this is because I have had more than five inquires in six months. I told them that I had a three one for a major credit card, one when I got my mortgage and one for a vehicle purchase. I feel they are harassing me over this and I feel that if I am paying the credit card as agreed this should not be happening. What can I do about this?

--- Enclosed is a copy of the message.
Dear Officer,
I have a platinum credit card with no: 5520 9390 9060 6004.I have a balance of 307246/-Rs.As per the bill generated with due date on 11/08/09 I paid a cheque for an amount of 100000/- with cheque no: 640500 SBH bank Bellavista branch, Hyd dated 9/08/09.After 3-4 days of the payment I started getting calls from citi bank left and right saying that the amount was due.Inspite of my repeated telling that I have done the payment they kept harrassing me with atleast 5-6 calls per day.After a few days I got a letter from citi bank stating that my cheque was tampered and please send another cheque immediately.In the place of my account no: one letter was darkened by sketch pen by SBH bank officials when they issued the cheque book itself.When enquired with SBH bank they said that this cheque had not come for collection and if it would have come we would have honoured it.In the mean while as a routine the phone calls from citi bank was repeated for the payment due.To each Tom, Dick and Harry I had to explain what has happened.but they presumed to be ignorant of the fact.Immediately I send the 2nd cheque dated 10/08/09 with cheque no:361892 from the same bank and branch and I posted the same to chennai.But still the payment has not reached your place and phone call repeated.Then finally citi bank people said that they are going to send an executive to collect the same and kindly do the stop payment.I did so.Since 3 days they are repeatedly calling that they are going to sent an executive to my place and so far that is not happening, but some or the other fellows are keeping me calling and saying that my bill is pending and they are going to send the executive.Iam rellay vexed with this attitude of yours.Finally I have made a decision that to pay the entire amount at one go and terminate the relation with these cranky fellows.The reasons are simple

1.I am a citi bank credt card holder since 8 yrs almost and a platinum member
2.These types of tantrums have happenned with citibank earlier also and with lots of appologies and excuses further the relation resumed.
3.Iam advisor A.P.State Govt.and have no time to squander with these buffoons.


pls take necessary action and let us wind up.


Dr.Saji D'souza