I hear Chapter 11 calling Citi’s name.
So you think these big financial institutions would cut you any slack if your suddenly found yourself in a situation where maybe you couldn't meet your obligations to them? No, they'd cancel your card and raise your interest rates up to 30% and turn you in to the credit reporting agencies as a bad credit risk and destroy your life.
Back when I was in my twenties, I ran into some financial difficulties and couldn't make the full payment on my gasoline cards. I had one from Texaco and one from Chevron. Texaco worked with me until I got on my feet, but Chevron told me pound sand and turned me into the credit agencies when I couldn't make the payment in full.
I have never again bought a nickle's worth of gas at a Chevron station. I would rather walk five miles with a gas can to a Texaco station than to buy a nickle's worth of gas from Chevron.