I may not be the sharpest tack...& I regret not making sure I understood the terms of the loan! BUT, consolidating my credit card balances with Citiflex was a real mistake! I was lead to think I'd be charged one interest rate for the total amount! NO, they charge me each & every month 29.990% on each card Balance! So when I make the payment of $216.53 only $94.97 goes towards the principle of Each card balance. This can't be legal!!! Charge me with being stupid! But as soon as I realized I asked them to consider lowering the apr interest rate —& I was informed —no way! This is a scam—beware & check into any loan better than I did! Regrets, Jan Noble
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