Beware of Citibank credit cards. They will use absolutely any excuse to raise your APR to 30%. I made one payment to increase my available credit for a business trip. It was not the minimum or due payment; I had made a substantial payment a week earlier.
A deposit made to my account was returned, so my payment to Citibank was returned NSF. Understand that this NSF did not make my account past due or over the limit, but this one act triggered an automatic increase of the APR to almost 30%.
If you get a Citibank card, make absolutely sure you pay by the due date, never have an NSF, and never go over the credit limit.
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