CITI Bank platinum card
Platinum Card APR Raised to 30% Despite On-Time Payments

I was in the market for a new card this spring and looked at a lot of different review sites before selecting Citibank's Platinum Card. It boasted 0% APR for 6 months and a low rate after that. I got the card in the mail and transferred $1,000 from a higher-interest card. Then the Citi card was filed away and not put in my wallet.

On my first bill, I sent them a payment of $233. On the next two, I sent the minimum of $20, and on the one after that, $90. All were well before the due date.

Now they are claiming that I have been late every month. I have bank records that show otherwise, and even the statements they sent me do. They raised the APR to 30%, without any warning, and added multiple large late fees.

Last night I transferred the balance right back to my former higher-rate account, which has never otherwise wronged me, and I will be closing this terrible card as soon as possible. I have had credit cards for 16 years and have always done well with them, and this is a first for such terrible mistakes. Even though I paid almost $400 toward what was a "no interest" card, they claim I still owe them $1,008. Nice, huh? Take your business elsewhere!

Company: CITI Bank platinum card
Country: USA

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