Citi Cards has recently begun a new practice of signing people up for credit protection without the customer's consent. According to their first advertisements about it, in order not to be charged the credit protection fee, the consumer must write to them stating their non-acceptance, or they will be charged monthly.
I called after sending the letter, having received my bill with the credit protection fee on it. The good news is that, according to the customer service representative, I was credited for the fee. However, how many people will be paying these charges without having seen that they can write in or call to state non-acceptance of these fees? This seems so unfair, so I am writing in hopes that people will look carefully at their bills.
Perhaps I am wrong to write here because Citi Cards appeased me over the phone. But my question is: when did it become legal to sign the cardholder up for credit protection without written or verbal consent of the consumer? How many people are going to be paying for what they did not ask for?
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