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Rob of Hardin, KY February 18, 2009

Rob of Hardin KY (02/18/09)
I'm in the same boat as all of you with Citi Cards. I was watching C-Spam and the CEO for Citi Cards told a lie to the Mr. Jones on Capital Hill. Mr. Jones is with the Treasury Department, under the Market Assistant Plan. R-North Carolina. V. Pandh is the Ceo for Citi Cards. In congress V. Pandh and other Ceo's creditors was in the hot seat, many questions was asked about their banking practices. Most of them kept their mouth shut only when called upon. They where asked about their income. Most of them said one million dollars a year plus their bonus to inclued Mr. V. Pandh Ceo of Citi Bank. They where asked, if they had their own plane as I recalled they all owned a plane.

The Ceo for Citi Bank Mr. V. Pandh said, he would work for one dollar a year till his company turned around with a profit. Mr. Pandh was asked if he would give his customers a break by charging only 9 percent for two years to help his customers out while this economy is in bad shape. To my recolection, he agreed to this. As you all know our rates have increased and we all smell a double dipper here. What all of you need to understand is that these CEO's need our business in order to have a job, and congress member for us no matter what state or district they work in. We pay them and they can be voted out, if our voices are heard.

So I have listed some of the members of congress that was in this meeting. It is your choice to contact them or just lay down and except defeat. United we stand divide we fall. Your voices need to be heard. I was impressed by some of these members of congress they was drilling them really hard about the way they have handle not only their business but the bail out money. Please stand with me and contact the people I have listed that was in this hearing.

You can search on the internet for memebers in congress, find their e-mail address and let them here what has happen to you with Citi Bank. All those members was under oath. Here are some or the congress memeber who was on the panel. 1. Mr. Jones R-North Carolina (Treasury Department Market Assistant Plan) 2. Committee Chairman Mary Jo D-Ohio 15th District Columbus and Marysville Ohio. 3. Rep. K. Ellison Democrat- Minneapolis, Minnesota 4. Rep. C. Wilsod 5th and 6th District, M. Ferry Boardman Marretta, Ohio 5. Rep. B. Foster 14th District- Batavia, Illinois 6. Rep. A. Carson 7th District- Indiana, Indianapolis. Just remember united we stand.

Ryan of Oneonta, NY February 17, 2009

Ryan of Oneonta NY (02/17/09)
Citi Cards just more than doubled my interest rate from 6.9 to 14.9 despite my FICA score increasing and I've never been late on a payment since I've had the card which is more than five years. It is disgusting because my tax dollars are being used to bail this company out. This is double dipping and government should be aware and intervene on behalf of the card holders and punish Citi Cards by taking away their bailout!

A.e.guyton of Louisville, KY February 17, 2009

A.e. of Louisville KY (02/17/09)
Citicard has raised my apr to 29.9%. I have never missed a payment. I always pay over the minimum amount due. I was furious and called. The customer service rep did nothing and said I needed to call another number. I called the other number. This rep didn't help either. I emailed Citi and mentioned the almost jet purchase, the 45 billion bailout money, and reminded the company that I was a taxpayer! I also stated I would email them along with my congressman and senator every day until they lowered my apr.

I received an email less than 4 hours later stating that they would be happy to lower my apr to the initial sign-on apr. The caveat is that I have 4 months due to a blemish on my credit report. They told me I had this time to work out said blemish however, did not tell me what this blemish was...I have not missed any payments on anything. Now, I have to pay to have get my credit report and see what they are talking about? They are threatening me and this is criminal. They received 45 billion in bailout money...isn't that the worst blemish of all? I will do everything to pay this off in 4 months and close the account immediately.

I am a small business and this is my line of credit that I use for my small business. But, once I pay this off, I will not use it again!

Joni of Clayton, NC February 16, 2009

Joni of Clayton NC (02/16/09)
Although I pay in full my credit card every month regardless of the balance this morning CitiCard decided to place possible negative feedback on my Experian credit report. It says that I went over my balance. I called CitiCard and in fact, I was over by 5.21. That's it. They refuse to remove it.

This is hurtful to my fica score.

Virginia of San Juan Capistrano, CA February 15, 2009

Virginia of San Juan Capistrano CA (02/15/09)
Out Citibank credit card indicates that we have been a customer for over 20 years. During that time we have not had a late payment and normally pay our balance in full each month. Citibank has increased our credit limit over the years at their own discretion - it is not something we have asked for. Our credit score is slightly under 800. (my husband is the primary card holder but I am also on the account) Recently we received a letter from Citibank indicating that they are increasing the variable APR for purchases. ...purchase APR will equal the US Prime Rate plus 13.99% with a minimum APR of 19.99%. We have the opportunity to opt out of this by March 31st, 2009 by calling. If we choose to opt out, we can use our account under the current terms until the end of our membership year of the expiration on the card, whichever is later at which time Citibank will close our account.

I called and spoke to customer service to ask what this was all about and was told that is has nothing to do with our payment history or our credit rating but that this was a business decision made by Citibank. I was also told it really wouldn't affect us since we paid our balance each month. It seems to me that we are the kind of consumers that should be rewarded for using credit responsibly! Not more than 3 days later, we received another piece of correspondence from Citibank with 4 blank balance transfer checks which we could activate by calling a number provided. Included in this offer is 0% on trasferred balances until August 1, 2009 or 2.99% on transferred balances until February 1, 2010. I am appalled that this is obviously an enticement for desparate people to get themselves further in debt with a high interest rate looming when balances can't be paid off in the time allotted. I smell another bank bail out request coming form bad credit card debt!

There are not damages that have resulted to my husband and me personally except to try to understand the reasoning behind raising the interest rate for a long-standing, excellent customer for absolutely no reason. I expect that possibly good customers are being tagged with a high interest rate to pay for the bad debts of people who shouldn't have been given credit cards in the first place. When and where will it end? It is to the point where it certainly is not beneficial to be work hard, act responsibly, buy what you can affort and pay what you owe. Please look into this before it becomes another bail out that the responsible members of society will end up paying.

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