Oliver paid off his Citibank platinum card on time, in full, every single month since 1989, but that didn’t stop Citibank from slashing his credit limit when a minor mistake popped up on his credit report.
Oliver writes:
I’ve been a Citibank Platinum cardholder since 1989 – that’s longer than some bloggers have been alive now that I think about it – anyway, in all that time I have never (and I seriously mean never as in NOT A SINGLE TIME) had so much as a late payment. In fact I typically pay thousands of dollars a month in Citibank payments because I get mileage from the card so I use it for everything I possibly can.
So today I go to pay for a rental car and I get declined which is pretty weird but because Citibank has a ridiculous and excessive security policy I figure that renting a car in my own neighborhood is triggering a risk profile. So I call and when I inquire they tell me that I am over my credit limit. Huh? “ I’m nowhere near my credit limit “I say, “I just sent you guys a couple thousand dollars not three days ago.”
“I’m sorry sir, it says here you’ve exceeded your credit limit of xxxxxx”.
“
“Umm, excuse me,” I say, “my credit limit is not xxxxxx, it’s yyyyy.”(yyyy being a couple thousand more than she is telling me it is)She says that I should hold and as I’m holding I realize that there’s a vein starting to bulge in my forehead and that little pieces of my porcelain crown are starting to chip as I grind my teeth in irritation.
After two minutes of listening to their loony-happy Citibank hell-evator muzak she comes back and seemingly gleefully informs me that: “Sir, due to some recent negative information on your credit report we’ve determined that you are a credit risk and have lowered your spending limit accordingly. If you’d like to make a payment over the phone to restore your account to a non-over-the-limit status I’d be happy to help you with that.”
About now the crown gives it up completely reminding me that I have a dentist appointment in an hour.
I ask for the credit risk management department and after another five minutes of their delightful muzak director’s shit taste I get some bimbo named Carolyn or Charlotte or something like that.
I explain to her that this must be some sort of mistake and besides, how can they lower the available credit for someone that has never missed a freaking single payment in nearly twenty years? Never even been late one time in that whole time? Never even paid just the minimum due in that whole time?
Apparently she thinks this is humorous because she takes on this condescending tone with me and suggests that if I paid all my bills on time perhaps I wouldn’t be having this problem.
It’s a miracle I’m not stroking our right there or doing an imitation of that eighties movie Scanners where the guys make each other explode from some sort of telekinetic/pyrokinetic attack. Before their heads actually explode they start to bleed out through bulging veins and that’s about how I feel listing to Miss C… $6.50 an hour tell me about paying my bills on time.
I ask just what it is that is on the credit report that is reflecting so poorly on my but she can’t (or won’t) share this information with me. As she says this last I swear she’s laughing. I wonder to myself where they find these people and realize that she’s lucky she lives in Sioux Falls, South Dakota – it should give you some idea of how annoyed I am that anyone would be lucky to live in Sioux Falls. If she were much closer I could see myself paying her a visit…
At any rate, feeling far from satisfied at this turn of events and the delightful treatment I’ve had at the hands of a bank that’s been the recipient of large sums of my money for two decades I head home and get a copy of my credit report.
As I review it a second vein, this one in my neck starts to turn an ominous shade of purple and I realize that I’m punching the keys on my computer so hard I am actually bruising my own fingers.
Looking at the report I see what the problem is – or rather what they are. Two companies that I do business with are both indicating that I’ve been thirty days late making payments once in the last ninety days.
Only both of these issues are not exactly correct. In both cases the vendors, Sony and Volkswagen respectively failed to mail me billing statements to the correct address in spite of both of them being updated as to the change.
I contact both Sony and VW and in both cases they agree that their own system errors were to blame and that they’ll notify the credit bureaus that the derogatory information will be removed from my report the next time they update their files.
Hearing this I feel somewhat better and the vein in my neck throttles back to a more garden variety bluish tint- still not normal but at least not “you wouldn’t like me when I’m angry” purple.
Silly me. I figure that armed with this information I can contact Citibank and get things straightened out.
Au contraire Mr idiot. Citibank decides that you’re a deadbeat and no amount of perfect history will reconcile the fact that you’re not. Isn’t this wonderful I think to myself – through no fault of my own by credit bureau report gets hosed and in spite of both companies committing to fixing their mistakes, a company with whom I’ve done business for ages, and with whom I not only have credit but also funds on deposit (a factor which you’d think alone was sufficient to mitigate their concerns) they won’t even talk to me about it.
The new credit manager – Sue is her name – informs me that “once I get the credit bureau’s corrected report I can write them and they will evaluate the account to determine if I am eligible for an increase at that time.” Can you believe it? “Eligible for an increase” Not, “sorry we fucked up and we’ll fix this right away.” Not “thank you for your loyal business we appreciate you taking the time to straighten this out. “ Not even ”I apologize for the inconvenience and will see what I can do to rectify the situation.” Nope. “Just screw you mister deadbeat you’re just another suspect loser and we could care less about your history with us, your funds on deposit or any other factor which should indicate your continuing credit worthiness. “ Nope. She won’t even give me the name of an executive to whom I can write a letter.
In fact, “Sue” tells me that they always play it this way. She says if they’re going to lower someone’s available credit they always do it first thing in the morning and they never tell people in advance so that folks can’t preemptively charge their cards up to whatever limit they might happen to have before the decrease takes effect.
That’s messed up. All of it. The fact that people would play that charge up the card game is pretty lame but the way Citibank treats its customers is even lamer. The simple fact is that two providers of services screwed up and made an erroneous report to the credit bureaus regarding my credit. This in turn impacted my score which caused Citibank to take action that impacted my score further.
So even though I could prove that the problems that started this whole chain of events were definitely not my fault and that further there is nothing wrong with my credit worthiness or even any negative change in my financial standing, Citibank has chosen to treat me as if I’m a complete loser who doesn’t pay his bills.
By this time I’m so burnt out on trying to fix things that I’ve no longer got the energy to grind my teeth and my blood pressure has apparently plateaued at some unacceptably high level leaving me a bit bug eyed and with a pounding headache and the desire to — write something and stick it up Citibank executive’s asses. Maybe, I think to myself… Maybe consumerist will write something about this and those fucktards at Citibank will learn to treat people a little nicer… And not to fuck with bloggers.
Though Oliver may be Citibank’s ideal customer, the bank’s actions are no surprise. Banks are furiously slashing credit lines to limit their exposure to the ongoing subprime meltdown, often relying on credit reports to justify their actions.
Sony and Volkswagen may be willing to take responsibility for the erroneous blot, but Citibank won’t restore the full credit line until the mistake falls from the credit report. Neither company can be trusted to unilaterally inform the credit reporting agencies of their mistake. When you spot an error on your credit report, dispute the negative item yourself.
Banks aren’t eager to tell customers that they’re slashing limits, so they stay quiet and hope nobody notices. Keep an eye on your monthly credit card statement to see if your limit suddenly falls, and take advantage of your free annual credit report to spot errors before they harm your credit line and your credit score.
RELATED: Contact Citibank CEO William Rhodes
(Photo: Getty)
More From Consumerist
-
US Bank Scores Twice In Roundup Of Worst Credit Cards
-
How Do Different Credit & Debit Cards Stack Up In Terms Of Consumer Protection?
-
Chase Ordered To Pay $100M To Credit Card Customers For Boosting Minimum Payments
-
Washington State AG To T-Mobile: Not So Fast With That ‘No-Contract’ Advertising
-
Beware Of HP’s Free Nook That Isn’t So Free
@Bulldog9908:
Holier than thou?
I was being smarmy/sarcastic in my first post about the worry that my card issuer may cut my credit limit from say five thou to one thou…and how that wouldnt effect me at all. I expect credit card companies to treat me like shit. (basically because I am not in debt to them & that makes me the enemy).
I dont have problems with people spending thousands on their cards as long as they pay it off monthly.
@Frank_Castle: For the most part, I definately agree. It was just how long ago, people were INFURIATED with the thought of universal default? Everyone screaming “Cut off their heads!”
I’d be more than pissed if my credit card company did this after 20 years of faithful use, but I’d like to think I’d handle it a little more calmly.
@í•œêµì–´/ì¡°ì„ ë§: My point was more about different experiences with customer service, specifically Citi.
Everything I’ve read online or heard from friends who have been late on CC payments indicates that there is no grace period after the specified due date. I did once have a late payment — a holiday delayed the payment delivery — and had to call the card issuer to have the interest and fees removed. There was nothing automatic about it.
If you know a credit card issuer who has an extra seven-day grace period on top of their printed due date, I’m sure that everyone here would love to get the name.
My comments:
1. Yes, Citi should have notified you that your limit was lowered. They might have, and you just didn’t notice (I had gotten into the habit of just throwing certain letters away that looked like junk mail until I accidentally opened one that was actually from Citi raising my credit limit). Or they might not have, which is a problem that needs to be addressed.
2. I don’t blame Citi for lowering the limit based on the information they had. Regardless of how good your history in the past may have been – people can suddenly run into hard times financially. Given the economic climate, I’m not surprised that they took action when they found out your were late on two seperate accounts.
3. Lose the attitude. I lost ALL sympathy for you when you called the rep a “bimbo”. And if that’s the sort of attitude you gave the reps over the phone, then I don’t blame them for giving you an attitude in return. I’m always nice on the phone, and oddly enough I have NEVER had anyone give me an attitude when I called for help. You also have to look at it from their end, I wouldn’t be at all surprised if 99 times out of 100, the people they are talking to are actually nothing more than deadbeats who are trying to get out of something that is not Citi’s fault. So i can’t really blame them if they’re not immediately going to be on your side.
4. It takes time to process changes to your credit report. If Sony and VW said they were going to fix your report, it will take some time for them to do it. Citi is not going to take your word for it, and they’re going to want some proof that the changes have taken place.
i can’t believe some people are taking citibank’s side in this. I thought the credit card companies were doing away with universal default. I agree with this guy because I am like him in that I have paid my credit card balance in full and on time for the last 8 years. I should think that counts for something. i agree that he came off wrong with the email and there’s also the question of how he forgot to make car payments etc but that doesn’t take away from the fact that if what he’s saying is true, then citibank penalized him for 2nd hand information when they have their own 20 year history to look at that shows he’s on time.
@Coles_Law: Considering it’s a reward’s card, figure he gets back 1% of what he spends. So that brings them down to profiting only $30. Then add in the cost of running has account, then they aren’t making all that much.
Bottom line – You moved, and missed payments, all in a short period of time. This is sketchy behavior to creditors. They respond. The End. Sorry it pissed you off so bad. Maybe also don’t refer to a woman who aggrivates you as a bimbo. That is all.
@SuffolkHouse: “These checks, without the attached statement stub, always cash slowly.”
Are you sending actual checks? As in, you write them out and put a stamp on the envelope? Without a stub? If so, that’s the problem – a person has to read the account number you wrote on the check, and enter it (and the amount) into the system.
I just use my student loan company’s online pay center – they’ve got an option for you to specify how you want the money split out. In the alternative, you could use your bank’s online bill pay to push a check out – that would generate either an electronic transfer or a printed check that can be scanned by a machine. Either way ought to process faster than mailing a check, and doesn’t cost you a stamp.
@Antediluvian: The reason I prefer emails is that I can:
1) have a gmail filter label them (with a bright-colored, very visible label), and
2) pull up everything labeled “bills”, including old bills, whenever I want (if you don’t have gmail, you can still have a folder labeled bills).
For me, it’s easier to track and find old emailed bills than old paper bills. Then again, I rely pretty heavily on my bank’s online bill pay (plus a spreadsheet I use to schedule paying bills). If I didn’t actually get a bill in the mail (or email), I’m not entirely sure I’d notice – the bill would get paid in the standard amount. (Now, if it turned out that I’d underpaid because I didn’t allow for a pay-per-view movie, that could be a pain, but that’s the worst that’s likely to happen . . . )
Once again, this is why I won’t have a credit card. I don’t like the way they do business.
We ran into a similar problem with a creditor when we moved. The monthly statement got lost in the mail and the bill didn’t get paid that month. We caught it the next month. I spoke to the creditor and they informed me that “statements are a courtesy and do not relieve you of the obligation of paying on time every month.” They would not reverse the late reporting or removed the lat fee. Lesson learned!
I stopped caring about the OP when he put the blame on his creditors for not getting a timely statement to him.
@crypticgeek: it takes TIME to fix, yet none to break? Hmmm, not lopsided, is it?
Citi was wrong for cutting the limit quickly, and without notification. The OP was wrong for not paying Sony and VW, and for likely being an ass on the phone.
What is the OP doing waiting for bills to come in the mail? He changed his address but forgot that these 2 bills were due? He obviously knows how to use a computer; he doesn’t go online to check his accounts & pay bills?
There’s no need these days to wait for mailed statements – and with credit reporting the way it is, it’s downright dangerous.
I’ve had a Citi card since 1985 with no lates ever–and just got a notice that they are raising my interest rate. They didn’t seem to care if I decided to leave when I called and didn’t give any reason for an increase.
I realize he’s upset, but the person on the line who tells him his credit has been cut didn’t make that decision. He loses credibility when he refers to her as a bimbo for being the messenger. Also, although he does have a long history of alleged perfect payments and so forth, the bank people still don’t know who he is and it makes sense that they would wait until they have evidence on hand proving that he’s not trying to pull one over on them.
Citibank is notorious for this nonsense, even before the mortgage crisis. I one had a landlord place a bogus collection notation on my credit report. I was able to successfully refute it with my own comment to my credit report. Only citibank canceled my card; all my other banks not only maintained my credit, but increased my limit.
I had a similar problem as the OP. I had a Citi Mastercard for about 15 years, since my sophmore year in college. One day, I got a letter notifying me that the card had been cancelled due to a negative report on my credit. After getting copies of my credit reports from all 3 agencies, I discovered that one had a loan default listed, which was not mine (actually my brother’s). Considering that I had been a good customer for a long time, and that Citi dropped me without even a chance to dispute the issue (infallibility of “the system”), I simply said that I will no longer do business with Citi, ever. I’m happy to give my business to someone else if it isn’t good enough for them.
You may have a zillion years being a model customer, but a bank is not your friend (despite what advertising says). It’s business. If it was me on a similar situation, I’d show them the same loyalty they’ve given me and transfer my accounts to a competitor.
@bravo369:
This isn’t universal default, they didn’t raise his interest rate – all they did was decide, based on information that had come to light, that they weren’t interested in loaning him any more money.
xxxxxx, it’s yyyyy
There are more y’s than x’s
/just found that funny
Dear lord… People were turned off by him calling the CS rep a “bimbo”? Did they miss that she was laughing at him? He was more than likely in a situation renting the car where the card was needed and a simple limit increase would have cooled the situation. They chose option 1 “piss off a long time customer” (which seems the norm for businesses today)
I had this BS happen with Citi related cards and the ones under the “Fleet” banner years ago. I was paying bills and doing fine when suddenly up shoots my interest rate! I went from 10-12% to 24.99%! I couldnt understand what happened.
Now understand the 3 reporting agencies lived under a secret no contact reality until a couple of years ago. You could not call Equifax or anyone to get help. They just existed to screw regular consumers out of money.
I had to get another creditor I had a relationship with pull my report. Guess what? Nothing not a blip. As a matter of fact I was getting ready to buy a house and did with few issues.
HOWEVER: Citibank refused to lower my interest stating my account was in the correct ‘phase’. Fleet was the same way as was Chase. My Credit union visa was happily sitting at 7.85% and USAA was sitting at 11% where it always is… I have never used my AMEX but they only send privacy updates never changes to the account.
I canceled all 3 Fleet, Citi and Chase. They had the balls to call a month later and offer all kinds of perks. Citi offered me 6.5% and Chase was 6.99%. Funny how when they got paid off and canceled their tune changed.
I completely understand the OP getting pissed. The people I dealt with were not interested in retention, only getting back to their solitare games. Most card companie figure if you have a high enough balance you are trapped and subject to their whim.
@Syrenia: If you know a credit card issuer who has an extra seven-day grace period on top of their printed due date, I’m sure that everyone here would love to get the name.
Wachovia actually does. Straight from their website: “Automatically waived fees-Late fee and overlimit fee each waived once every 12-month period”
I’ve never taken them up on that offer, so I’m not sure how it works, but there you go.
“Though Oliver may be Citibank’s ideal customer…” is not correct.
Citibank’s ideal customer is one that is constantly missing payments, thus they make more money off them. They aren’t making much money of people who pay their credit card on time each month.
not blaming the OP for the problems, but this letter is not very well written… you won;t get much done if you insult citibank’s staff, such as calling them bimbos.
This happened to me with my American Express Blue Card, but since it isn’t a ‘bank’ my original credit was reinstated.
I received a letter from Am Ex informing me that due to information on my credit report, my credit with them was being reduced to $5k (from its current $13k). This especially sucked because I had about a $4500 balance on there.
Being that I have always paid at least twice the minimum payment, and NEVER in 10 years been late with a payment, I immediately checked my credit report fearing that my identity had been stolen, since besides some accounts with balances, I have nearly perfect credit. I don’t find anything out of the ordinary.
I look up my recent activity on my SNOWBALL grid. I hadn’t used my card in several months and in the last nine months has paid American Express over $7k.
I called the number at the bottom ready for battle. I stated my case calmly and coherently. I explaned that my biggest fear and frustration was that this was going to ding my credit score (the one good thing, besides a degree from a great school, that I have going for me)since they were reducing my available credit by more than and if they reduced it I would be almost at my limit. It looks much better to have 13k you aren’t using than 5k you are.
They put me on hold and reviewed my account. They came back and told me that my credit line would be reinstated.
I expected a bigger battle, but was happy I had approached the issue calmly and rationally.
Oh my god. If you want people to read your complaint, don’t make it needlessly long with asshole details like “Some bimbo.” What the hell?
I mean, Consumerist has stories that are way too long all the time, but at least they’re usually civil.
I’m willing to bet the content of his story would have been cut by half if he left out all the references to his anger management problems and his “bulging veins.”
One more voice calling out this misogynistic, classist jackass whose first instinct is to hunt down and inflict violence on a wage slave for just doing her job. This scum gets no sympathy.
Oliver’s being a tad bit overdramatic, but in my opinion and as others have said, his experience is an excellent prompt to diversify creditors. Better late than never.
@Antediluvian: Who really needs a paper or email reminder that they OWE money? I know the due dates of EVERY account. Fortunately, we live in an internet age so I can double check the amount before paying the bill. I pay bills twice a month, period whether due that day or not. For those who cannot remember if, when, or how much they owe, automatic debits are available.
Something similar happened to me. I started a new contract, so my finances were on hold for a month around tax time. They had these balance transfer checks so I used one. That put my credit line over some invisible bar at Trans Union, so they cut my credit line (don’t wait for the monthly statement, once a week log on to their site). I paid it off since by the time I paid my taxes and got back with enough time to move some money around it wasn’t a problem, but why issue cheques then for using them almost immediately drop my credit rating and limit. Right now I’m running it out (since it is a 1% cash back card), but it will probably go back in two pieces before it reaches the expiration date.
I also have a local credit union which seems to always be much better on these things and offers credit cards. You aren’t talking to a robot who happens to be made of flesh. They are all more responsive. They don’t have the cashback and points and stuff which are just a game, but they also don’t have the hassles.
@Drewtal: Ummm…. The OP is not at fault for missing those payments. It was the fault of the two companies. SO, yes, he does have a perfect history, or will once the corrections are made to his credit record.
@krispykrink: I’m completely away from any consumer borrowing now. It’s much cheaper and easier to just have an emergency fund on hand and not borrow.
Hi. I¹m the ³OP² for this post and I wanted to respond to a number of the
comments and correct some erroneous information.
First, while I do pay thousands of dollars a month in payments there are
frequently months when I do carry some portion of the balance so in addition
to the twenty years worth of annual fees and all the merchant¹s fees that
Citibank has collected they have made thousands off me in interest as well Â
so much for being a ³Deadbeat² in the eyes of the bank.
Second, I was never rude or impolite or even the least bit unfriendly to any
of the people I spoke with during my calls. I am well aware that these
individuals have a certain amount of latitude in their work and have never
been anything but polite during my interactions with them. Remember, with
my prior history I had no expectation other than that this was a small
mistake that should be easily rectified. Under those circumstances why
should I be anything less than pleasant?
Third, I agree that in retrospect my choice of certain words was
ill-advised. I mean no disrespect to women and didn¹t mean for it to come
across this way. Having written the letter to Consumerist immediately
following this very unpleasant experience I was particularly pissed off and
chose my words with less care than I ordinarily would have.
Fourth, to those that have commented that I was at fault for paying my bills
late there is some additional information that you are not privy to. In the
case of Sony that bill is paid by PayTrust. It has been paid automatically
by PayTrust for as long as I have had the account. The address has not
changed in half a decade and because it is paid automatically I don¹t even
see the statement. Why Sony decided the address was wrong is still a
mystery but I had no way of knowing that this had happened and was unaware
of the issue until I pulled my credit report.
With regards to the vehicle; I agree that someone should know if they have
missed a regularly scheduled recurring payment but that isn¹t what happened.
I just leased this vehicle and had not received even a single lease payment
notice. I didn¹t even have an address or account number for sending in a
payment. The dealer had made the first month¹s payment as part of my deal
so it was only the second payment due on the vehicle. I had no idea when it
was due and was told to expect my payment booklet in the mail which is what
I was waiting for.
Lastly, I wasn¹t ninety days late on anything. I was thirty days late ONCE
IN NINTEY DAYS on both accounts and as I stated in the original post, both
Volkswagen and Sony agreed that the errors were theirs, not mine.
I hope that clarifies things somewhat. To those my language offended, my
apologies. To those that think what I wrote was too long; no one made you
read this so please keep your complaints to yourself  it was your own
choice to invest the time reading  take some responsibility for your own
actions.
Oliver
–
Oliver Starr | blog 1:Gtdtimes | Blog 2:StarrTrek
| blog 3:LIFEBOAT_FOUNDATION |
skype:stitch_surfs | twitter:stitchy | 310-779-9816 | 415-704-4544 |
This email is: [ ] bloggable [ ] ask first [ ] private |
Hi. I¹m the ³OP² for this post and I wanted to respond to a number of the
comments and correct some erroneous information.
First, while I do pay thousands of dollars a month in payments there are
frequently months when I do carry some portion of the balance so in addition
to the twenty years worth of annual fees and all the merchant¹s fees that
Citibank has collected they have made thousands off me in interest as well Â
so much for being a ³Deadbeat² in the eyes of the bank.
Second, I was never rude or impolite or even the least bit unfriendly to
any of the people I spoke with during my calls. I am well aware that these
individuals have a certain amount of latitude in their work and have never
been anything but polite during my interactions with them. Remember, with
my prior history I had no expectation other than that this was a small
mistake that should be easily rectified. Under those circumstances why
should I be anything less than pleasant?
Third, I agree that in retrospect my choice of certain words was
ill-advised. I mean no disrespect to women and didn¹t mean for it to come
across this way. Having written the letter to Consumerist immediately
following this very unpleasant experience I was particularly pissed off and
chose my words with less care than I ordinarily would have.
Fourth, to those that have commented that I was at fault for paying my bills
late there is some additional information that you are not privy to. In the
case of Sony that bill is paid by PayTrust. It has been paid automatically
by PayTrust for as long as I have had the account. The address has not
changed in half a decade and because it is paid automatically I don¹t even
see the statement. Why Sony decided the address was wrong is still a
mystery but I had no way of knowing that this had happened and was unaware
of the issue until I pulled my credit report.
With regards to the vehicle; I agree that someone should know if they have
missed a regularly scheduled recurring payment but that isn¹t what happened.
I just leased this vehicle and had not received even a single lease payment
notice. I didn¹t even have an address or account number for sending in a
payment. The dealer had made the first month¹s payment as part of my deal
so it was only the second payment due on the vehicle. I had no idea when it
was due and was told to expect my payment booklet in the mail which is what
I was waiting for.
Lastly, I wasn¹t ninety days late on anything. I was thirty days late ONCE
IN NINTEY DAYS on both accounts and as I stated in the original post, both
Volkswagen and Sony agreed that the errors were theirs, not mine. I hope
that clarifies things somewhat.
To those my language offended, my apologies. To those that think what I
wrote was too long; no one made you read this so please keep your complaints
to yourself  it was your own choice to invest the time reading  take some
responsibility for your own actions.
Oliver
@FLConsumer: Not really. The next best American Express card would be the “Blue Cash” card, but the rebates don’t even come close to the TrueEarnings card. The higher percentage rebates on the Blue Cash card kick in after $6500, so assuming it’s all 1% purchases, then you would’ve lost at least $30 in rebates anyway.
At 3% rebate (gas stations, full service and fast food restaurants), $6500 would’ve earned you $195 in rebates with the TrueEarnings Card, without ever having shopped at Costco, and you’re getting back almost three times your $50 Annual Membership fee.
Besides, many (not all) items online at Costco.com offer free shipping, so you could shop that way and make your membership work for you.
The limits on all my cards continue to rise, and I’m an idiot who, every once in a while, just plain forgets to pay the bill on time.
Because of the stories on the Consumerist, I know never to give Citi or Bank of American a cent of my money, unless I have no other choice. Hell, I have two cards with dreaded Chase, and a Discover card, and I’ve never had a problem with any of the three.
The limits on all my cards continue to rise, and I’m an idiot who, every once in a while, just plain forgets to pay the bill on time.
Because of the stories on the Consumerist, I know never to give Citi or Bank of America a cent of my money, unless I have no other choice. Hell, I have two cards with dreaded Chase, a Discover card, and a Capital One card; I’ve never had a problem with any of the four.