Okay - so a while ago I ranted my first ever rant about my Citibank credit card that we have had since 2003 that was locked in at 7.9% forever and a day; one day I opened up my statement/went to pay my bill and noticed the rate shot up to 14.99% for no reason. Never late, never anything. So I called and ranted and raved, never got the notice, they told me they sent it and put it on my statement in Dec... I had 6 months of statements in front of me and nothing, nada (many on here know what I'm talking about, they read my thread). ANYHOW - I told them to close the account immediately and I would be paying the balance in full - I refused to do business with a place that I just bailed out as a taxpayer and they decided to just increase rates "because they could" for any reason. This happend to MANY people, not just me - it was across the board with CitiBank and other issuers, changing the rates. They stated they would close the account and retro the rate back to 7.9% since I was closing it out....as that was the only way to get my rate back. Me: Fine...you do that. WELLLLLL... enter earlier this week. I pay my card off in full and what do I see on my statement? ROFL!!!!!!!!!!!!! My card is NOT closed..the interest rate IS at 7.9% fixed - AND *drum roll please* they increased the very limit by $5K!! I call this morning thinking surely this must be a mistake... get Customer Service on the phone and ask them "Why is this card still open when I specifically closed it in January due to your company changing the locked rate I've had for 5 years? I told you to close it, I told you it would be paid in full and now I see a $5K increase along with the rate lock? What's up?" CSR: "Well, you've been such a great customer, we decided to revert your rate, increase your line and keep it open for you, we want your business." Me: "Ah.. I see - well... you should have thought about that before illegally changing my terms on me without notifying me. Sorry - I do not want your credit card, I do not need it, nor do I want to do business with Citibank. Close this card as I requested, thank you." CSR: "Ma'am, but what if you need $$ for home repairs, your credit line is 15K, you're just going to throw that away?" Me: "Then I'll pay cash for it. CLOSE IT." MAN THAT FELT GREAT!!