I need help with this account...can make payment but not all of it...just want company to work with me and not against me..will be glad to send payment every month on time but can't afford 234.00 per month..can anyone help lme

I just received a letter from Kendall E. Stork! He said..."you haven't been using our credit card" I said..."only use it for emergencies and have never been late"! He says "So what...I'm dropping your $19, 000 credit line down to $100 just before Christmas"

I was wondering if anybody deals with this same Citibank (South Dakota) N.A. If you do, drop them! If your thinking about using them, Don't!! We as a Nation are in deep trouble thinking a credit card company is there to help. Come to think of it...why am I using credit cards anyway!

Citi card sent me a notice notifying me that they where increasing my rates to 0ver 29%. Their claim was based on a one time only late payment that was 5 days late. Not due to my payment but a security update in my payment system. They did allow me the "OPT out" alternative action.

I called, discussed the agent could not understand why i received the notice and claimed over and over again, either i was incorrectly reading the notice or it was a mistake.. As i pressed that I could read and please check, after 4 minutes of being on hold the agent came back on the line and apologized that the information was correct and could he offer a credit or anything to keep me as a customer. I relayed that
if my interest was going to increase to close to a 30% apr then no i was not interested and requested that i "Opt out".

Two days later I received a very informative "heads up" from my discover card, which informed me that the "new federal law and regulations" would not increase my APR on existing balances.

This makes me wonder - according to the "NEW federal law and regulations", which are not being broadcast to the public, DID CITI CARD TRICK ME into opting out before the the legal date of the NEW federal regulations????

First let me start by saying I have a credit score in the Excellent range.
The first time I had a run in with Citi card was last year. I was paying my bills online. due to thier s-l-o-w website the payment didn't process until 12:01 because my payment was 1min. late, I got hit with a late charge and my interest rate went to the default on the entire balance. I went round and round with thier so-called "customer service" for days, spoke to a supervisor, and then the supervisors supervisor. they finally removed the late charge, but did nothing about the interest rate.

now, I am in the middle of arguing with them about a new problem. by bill has bee 89.00 for over a year. I paid my bill online two weeks early. I paid 100.00 when I received my statement, my payment had gone up from 89.00 to 102.12 contacted Citicard and still have not gotten an answer to why they raised my payment, and went online and paid the 2.12. they still hit me with a late fee, and raised my interest again.
I was p.o.'d called them up, asked for a supervisor, and then the supervisors supervior, but still no satisfaction. I have had a Citi account for over 12 years. I have never been late with a payment except the 1 min. mentioned earlier. I always pay more than my minimum payment.

I told customer service that I was going to find a lender, borrow the money to pay off all my Citi accounts, close them, and if they ever contacted me again I would sue them for harrassment.

If you have a Citicard, run, don't walk, get your card, cut it up, and find a new company to deal with.

I pray every day to God that he arranges for Citicorp to go out of business. (I'm a Minister) and avenge what they are doing .

It is my hope that enough people read this and abandon them, they may wake up. I am also looking into the fact that the interest rate they are charging me is illegal in my state, and I may very well have a case... any lawyers out there want to take the case please contact me. [email protected]