Beware of Citibank Credit Cards. They will use absolutely any excuse to raise your APR to 30%. I made one payment to increase my availble credit for a business trip (not the minimum or due payment, I'd made a substantial payment a week earlier).
Due to a deposit made to my account being returned my payment to Citibank was returned NSF. Understand this NSF didn't cause my account to be past due or overlimit 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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