In an attempt to cancel an eHarmony account, which everyone knows is impossible, I choose to cancel the credit card I had used. Citi Bank told me that I could be charged for another 30 days and here is the real news and they say this applies to all credit cards - if you have a subscription or monthly charge the seller or merchant can pay your credit card company and get your new card number, so they can continue to charge you. BEWARE!!! I canceled my card totally and we'll see what happens.

In August, for the first time in my relationship with Citi Cards, I was one day late with my monthly payment. Not only did they charge me a $39 late fee, they TRIPLED my finance charge rate and doubled my minimum montly payment. I tried to reason with them to no avail and so I stopped making payments. They sent me a letter inviting me to contact them to discuss this and work out a solution that was satisfactory to all. I did so. I spoke to their agent, “Merlin“, number “MP66622“. She said the APR would be rolled back, the monthly payment reduced, and I would not be penalized for missing the September 10 due date since the account was in dispute. She lied. I received two letters a few days later. One said the APR would not be reduced, the other said the monthly payments would not be reduced. But if I was a good girl for 12 months they might consider lowering the APR. That amounts to $6000 in extra finance charges for 12 months. For being one day late one time. They are all a bunch of lying cheating bottom feeders.

There will be no further payments from me at all, and no further communication. I have filed complaints with the Controller of the Currency and the state Attorney General's office. Then I will get an attorney. There is absolutely no possibility that I will pay them another cent.

They can take the money I owe out of their bailout money.

I had another frustrating experience with Citibank today. I am a student, I have a good credit score of 700+. I was so impressed with reviews of the mtvU card and convinced myself to apply.

A week later I received a letter from Citibank that they need me to provide some documents for verification of enrolment, which I did.

Another week later in the early hours, I received a call from one of the citicard representative, she asked me to send fax a copy of my university id card again. She inquired whether my id card has any barcode on it. I said no, and she convinced me to fax it anyhow. She has given me the fax number 1-866-716-5137 and suggested me to fax before 12:00AM that day. I've sent the fax, that very day from my office after 8:00PM in the evening.

After two hours, when I checked my mail, they have sent me a mail regarding the application mentioning «as they couldn't verify the information I’ve provided they're rejecting my application". This is the second time I had such an experience with Citicard.

Earlier I’ve applied for Citi Platinum Dividend in July 2007, they rejected my application for the same reason, although I was in a different university in full-time status.

Both the times, my credit score was stunted to 610 -620 for my rejection. I've supplied all the information they asked me for. I don't suggest Citicard for any one. It's one of the worst financial institution I’ve ever witnessed, I think the employees don't even work. I've no doubt, it's soon filing for bankruptcy.

Beware Citibank and its Subsidiaries.