Citi Credit Cards / I will never use it again
Until recently, I was a devoted Citi Card user with decades of spending against a $41, 500 credit limit. I had developed a great payment history, with a zero balance. Last year, I decided to stop using credit cards in general and start paying cash. However, I didn't intend to never use Citi Card again. When Citi Card sent me a statement with their annual $50 fee, I called to let them know I'd not be using the card and could we do something about that fee. After a dispute, I vowed never to pay them their fee for a service I wasn't even using. They kept billing me, assigning finance charges and then reported me to the banks, affecting my credit rating. When I called "Customer Service" to discuss the problem, they informed me that they had closed my account because of my "bad payment history", citing me as a "credit risk", completely ignoring the fact that my outstanding balance was a fee they created and insisted I pay for a service I wasn't using. When I asked them if they wanted my business back-- they said "no, you're a credit risk"!!! While I can understand closing my account, I am appalled at the insistence by more than one "customer service" rep that I was a "bad customer".