Citibank
Credit line cut request led to demand for full payment

Every time I received my billing statement from my Citibank card, I always got a headache. There are always charges that I don't know where they come from, but I still pay what is needed.

Recently, I filed a request by phone, asking them to cut my credit line, since I intended never to use my Citibank credit card again.

The Citiphone officer informed me that I have to settle my balance first, and that I have to pay the full amount (18,).

I asked her if it was possible for the payment to be like the monthly bill they usually send me, because I can't pay the balance in full. She checked my query and said it was possible, and she clarified that she would cut my line and the payment would be monthly, just like the monthly billing statement I usually received from them. She said that the request to cut the line would take effect after 4 days, that someone might call me for confirmation, or if not, to consider the request done. And then there was the usual question of why I want to close my card, etc.

Four days passed, and even more days, and I haven't received any call from them, so I guessed that my request to cut my line was already done.

Then came my monthly billing statement. To my surprise, I have to pay my balance in full, and it will be due this coming March 3.

I immediately called their customer service to settle this problem, because I don't have the money to pay them in full. The Citiphone officer told me in a disobedient voice that according to their record, I was informed that I have to pay in full before they can cut my line. I told him that it was not the agreement between me and the other Citiphone officer before, and I asked him to review my last conversation with that other Citiphone officer. He told me that it will take 7 to 10 working days before they can give me feedback. I asked him what can be done because I can't pay them in full, and he repeatedly said that I just have to wait 7 to 10 days for them to review my other conversation with them. And our conversation just went in circles.

I just hope that they can resolve this much faster and earlier, because it will definitely give me a headache in the days to come, as long as I don't receive any feedback from them.

It would be better if they could offer me a very good deal to settle this payment.

Oh well, I will just call them again in the following days for follow-up and feedback, and I hope they won't give me even more headache!!!

Company: Citibank
Country: USA

  <     >