[FrankR]

Cut your Citi Bank card into about 50 pieces, mail those pieces back to Citi Bank...pay off your current balance, and forget those people.

Credit is one habit Americans need to break...it's why we are, where we are. STARVE THE BEAST.

[Hoosier Catholic Momma]

A big thumbs up to what you said!!!!!

Dave Ramsey ping?

[NativeSon]

Credit is one habit Americans need to break...

My wife and I had Citi cards and couple of others. One Chase card we kept for emergency and did not use. Chase closed my account because we did not use it. The Citi cards we used and so for being good customers were treated to a large rate hike.

We are freezing the cards and paying them off - they have lost THIS gravy train.

With all the "stop the evil predatory lending" ranting how has this bait and switch scheme getting by?

All I know is that whatever hope is being anchored to the spending this Christmas, there better be a plan B.

[EVO X]

Cut your Citi Bank card into about 50 pieces, mail those pieces back to Citi Bank

I would, but have a Frequent Flyer miles card. The virtual account number does come in handy for internet shopping. I have another card with much lower rates for emergencies..