THE DEVIL YOU KNOW.

Citi Bank has a racket. If you have a Citi Bank credit card, the good news is that they provide very clear statements. The bad news is that if you are a minute late in your payment or the post office doesn't deliver  on time, they charge you $29.00. $29.00! Last month I was charged $29.00 on an $18.00 bill because the post office delivered my check late. To make it worse, if you call their Customer Service number to complain, it will get you nowhere. Their irritating phone service refuses to give you a living person who can straighten out your dilemma. Also the recording can never get things straight and always hears the wrong number. So why do I stick with them? Are other banks any better? Did I mention their Thank You Rewards are super stingy?