I Hate Citi!

Warning: Rant ahead; possible probable minor cursing deluge of profanity.

So, I have a couple of credit cards. My Citi card I’ve had forever and never use it, but don’t want to close the account because my credit score will take a hit for closing such a long-held account. My Discover card never gets used; I actually cut it up, I’m pretty sure (I should actually go and double-check that fact when I’m done ranting). My Chase Disney card is the only one I actually use, other than using my checking card’s credit card functionality. My Citi card used to be the primary one I used, until they decided to be asinine and set my interest rate to 29.99%. Yes, that was the maximum allowed by law. Yes, they did it right before the new laws went into effect (ba$tards). No, I had done absolutely nothing to warrant a rate hike. Yes, they seem to have actually done the rate increase across the board, as Terry got a notification in the mail a day after I did that his was going up to the maximum, as well. So, that was the split second that I decided to dump Citi.

I have tried my best to switch all recurring payments from the Citi card to the Chase card. And I was 99.9% sure that I had gotten everything. I discovered a few months ago that my Amazon account was still pointing to the card, so I switched that over. And that was the last of it. Or so I thought. Terry happened to log into his Citi account online today to see what his balance was, just to find out that they had totally screwed up his auto-payment and his balance was now negative. Not a horrendous thing, but, of course, they aren’t going to pay him 29.99% interest on the amount that they overcharged him. So, I decided to log into mine, just for kicks. Only to find out that I was past due, in bright, bold red letters splashed on every page of the account. What the $&#!? Apparently, I missed one lonely little recurring payment (my annual auto-renewal of my McAfee subscription). I’m supposed to get electronic statements. The charge occurred in January. I got nothing in January, nothing in February and nothing so far this month. No statements, no notification of the account going past due, no phone call, nothing. I had to jump through hoops just to make the payment to pay the balance off. They ask all of these stupid questions about why you let the account go past due, when you expect to be able to make payments again, how you expect to make payments in the future, etc. A whole bunch of total bull$hit all because they didn’t notify me that a charge had hit my obviously dormant account. Oh, and did I mention that they won’t let me setup auto-payments against the account, just in case something like this happens again (and I’m pretty sure it wouldn’t let me before it went past due, either)? A$$holes. Seriously. It’s such a racket. All designed to screw you as much as possible and make more money for them.

As you can plainly tell, I’m quite pi$$ed off. I think that this is the final straw. Once I can confirm that the account is paid off, I’m closing it. Damn the consequences to my credit score. It will recover. But I’m tired of putting up with this $hit.

Seriously, Citi, you ****ing suck. Go to he**.