Review and analysis of over 1,249 complaints against Citibank
Citibank consumers have reported over 1,249 official complaints related to Other. Out of the 1,249 consumer complaints against Citibank, 20% were disputed by the consumer (i.e. the consumer was not happy with how Citibank responded to their complaint) and 100% were processed in a timely manner. 19% of consumer complaints against Citibank resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 18% resulted in non-monetary compensation.
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April 13, 2017 - I was stupid enough to charge some items at MACY 'S on my Macy 's credit card over -. I was unable to log into my account online to make the payment because Macy 's had updated the system and I simply did n't have the patience to navigate their irritating and obscure system. However, I called Macy 's and paid my bill for $ - a day or two late - was assured that there would be no late charges because I was a customer in good standing, yada yada, and received a confirmation number that I had paid the bill in full. I then received a bill for $2.00 in interest. OK, I agree - I had n't pa... |
April 5, 2017 - dropped a check to pay - of my citi bank credit card infull in the night deposit at there - branch on - accounts end in - and - got a call from the head teller who refused to process my payments and said he was mailing them back to me. branch manager refused to speak with me. even asked the head teller why he could not just mail them to citi bank since they were in the envelope provided with my monthly credit card statement and all he could say was it was illegal for him to process my payment in any way shape or form and he refused to transfer me to the manager.... |
April 5, 2017 - I purchased a - from Best Buy using their 18 month deferred interest agreement. I was unable to pay the balance in full by the end of the promotional period and was charged $940.00 in interest. I called Best Buy to see if they could reduce the interest payment. On a $2000.00 laptop, I was charged $1000.00 in interest.... |
April 5, 2017 - During the middle of -/-/2017, I applied for the Brand Source Card at - - located in - -. I spoke with a customer service representative via phone to verify all of my personal information ( SS #, DL #, etc ) including my income. My information was verified via the Credit Bureau. I was approved immediately for a $4000.00 credit line to be used solely at - -. Fast forward to two months later, and they are currently requesting my income tax return when my credit limit is not even high. I called their customer service department today and advised that their business is shady ... |
April 4, 2017 - No contract with this company as they are reportin on my credit report.... |
April 3, 2017 - I am applying for a loan to buy a new house and my loan officer reported to me that there is a delinquent charges more than 30 days on -/-/2016 and 60 days on -/-/2016 for some credit card ending in - that is issued by CBNA and he gave me a phone number -, which I have called and stayed with them for at least 30 mns and they could not find any credit cards that was issued to me using both my name or my SSN or even my phones so they switched me to fraud department which could not find anything either and then I talked to few supervisor in CitiBank who could not help me at all, I do no... |
March 30, 2017 - citi changed the terms of my credit card account to paperless without users agreement.my credit score and interest rate were affected.after having reported a disputed charge i was told i would have to create an online citi account.im now being told by citi that i somehow checked a paperless payment box which i know i didnt.ive been trying since -/-/- to get an explanation in writing.after being a customer since -/-/- im canceling my account with citi.... |
March 29, 2017 - Costco switched exclusive credit card companies in 2016 from - ( - ) to Citi. We had our - card setup for auto payments and were n't getting a paper statement. At some point we changed addresses and did n't think to update the - card with the new address ( why would we, we were auto paying ). When Citi took over at Costco we had a balance on our - account get transferred to Citi. The Citi company says they sent a statement to our old address, but we never received it, nor did we receive a phone call. Over the next several months ( - through - I believe ) our account receiv... |
March 28, 2017 - On or about -/-/2017, I signed up for autopay on my Citi double cash card. The payment did not go through, and I received a late payment charge, which was automatically credited back to my account without my requesting. I subsequently re-enrolled in autopay on or about -/-/2017 since the previous registration apparently did not work. When I called on -/-/2017 and spoke to an employee who would only identify herself as " -, '' she told me that there were no finance charges applied to my account. However, my statement showed a charge of $22.00 on -/-/2017, and when I pointed this ... |
March 25, 2017 - CostCo made a change from - to Citibank Visa credit cards. I did not authorize their sending a card to me and when on arrived I did not activate it. I was just billed $55.00 on the card for membership renewal which I did not authorize. The bill will be removed, however in cancelling the card which I never authorized my credit rating ( FICO score - ) will take a hit.... |
March 20, 2017 - I 'm not able to use my Macy 's Amex credit card. After each purchase my credit card gets blocked and there is no way to verify my identity online or by calling. It 's been over 2 weeks since I 'm unable to use it. CSR are telling me I should receive " something '' in mail, but my mailbox is empty!... |
March 18, 2017 - I have a Citi - credit card with Citibank (Citicards CBNA). When I first got it, I received a phone call (possibly in -/-/-) from a service representative that my payment was severely late, and they offered to set up automatic payments right there over the phone. I provided them with checking account information in order to do so. This recurring minimum payment has continued being taken from my checking account ending in - every month, even when I have already paid over the required minimum with other payments. I am in the midst of a divorce, and soon will not have access to the ch... |
March 14, 2017 - I have been issued the VISA Platinum level credit card by CITI bank a few years ago. I have been currently out of the country since -/-/- and Citibank/credit card was informed about it. Unfortunately, without informing me or without any advance notice, the card has been blocked and I am unable to use the card while travelling, which causes a lot of problems for me. There is no reason for blocking my card and funds on the above card. I called the bank four times on -/-/-. The first representative informed me that the bank is changing cards ( from VISA to Masercard ) and that I would b... |
March 11, 2017 - I canceled my Costco Anywhere Visa. There was about $70.00 accrued - on the card at the time I canceled it. Now Citibank tell me that the money is forfeit because I canceled their card.... |
March 10, 2017 - After logging into or out of my Citi credit card account, Citi had a window pop up on the screen asking me to verify my income. This happened about every other time I logged in or logged out, for a period of several months. When I first began to receive these pop up windows, there was no amount given for my income. My choices were either update my income or not update my income. But as time went on, the pop up window changed. The new pop up windows said my income was - and my - choices were to either confirm my - income, or change my - income. When the window popped up upon login, ... |
March 10, 2017 - I applied and was approved for a Double Cash credit card on -/-/2017, but I still have not received the card in the mail. Several weeks after the approval, I received a notification that the bank received return mail. I called customer service and confirmed the address on file was correct and that another card would be expedited to me. I called again to obtain a tracking number and was informed that expedited shipping was not possible. After I made several more phone calls, and received conflicting information about the card shipping process each time, my final call was escalated to a manage... |
March 8, 2017 - there were fraudulent charges on my card. i called up on -/-/- to report them them and get a new card sent. i was told i would receive in 1-2 business days. after not receiving the card on thursday i called back. i was told the card was sent via regular mail and they would expedite another. monday, after not receiving the card i called back. they said the card was sent but they didnt have any tracking and they would issue another one. i still have not received my replacement card and i have not received any type of email from citi bank... |
March 1, 2017 - In -/-/-, I participated in credit protection with citibank card. After learning what it really was, in -/-/-, I called to cancel my membership. I realized that this was a waste of money. I continued to pay my minimum balance assuming that the credit protection ceased. To my dismay and surprise, the fee continued to accrue. I have tried calling and writing letters to the company, but I am blocked and ignored. The credit protection was finally stopped in -/-/-. A total of 7 additional years of applied fees. The fee is - on every outstanding $100.00 monthly. The debt is enorm... |
March 1, 2017 - My credit union mailed - checks to - credit card agencies. - to -, and - to Citi. The check mailed to - cleared on -/-/-. Citi is stating the check mailed to them has not posted yet. I suspect they are delaying posting my payment to accrue interest on my account. I contacted Citi, and they were of no help.... |
February 22, 2017 - My Payment was posted by Macy 's 34 days after the due date. That was my fault as an oversight on my part because we were on vacation. They subsequently reported a thirty day late to the credit bureaus. However, when I phoned in the representative I spoke with on the phone said the company 's policy is to only report accounts as late when they reach 60 days and not 30 days. Please obtain a copy of the recording and see for yourself.... |
February 22, 2017 - I was locked out of my CitiBank online account. I reset the password twice. Eventually got 100 % locked out to where Citibank said that they would send a new card. New card was never received and when called to finally close out the account I have not received final confirmation that the account it closed.... |
February 21, 2017 - Soon after making my payment to this company, I received multiple daily calls to my landline and cellphone asking to contact them. Upon my contact, it was discovered that I was erroneously assessed a late fee on the account. The representative was neither apologetic or very willing to remove the fee and was insisting I pay three times the amount of my payment due. I advised her that I would not be paying for a late fee I did not owe nor was it in my budget to pay the amount fee she asked. Then she said that it would be able to pay $27.00 for the next month. Soon after I made this month 's pa... |
February 20, 2017 - I did not receive the last bill for purchases made at Macy 's. I received the next bill which included interest and a late charge which is due on -/-/- 2017. Everyday since I received the second bill, I have received a robo call from them. I responded to the call and let them know that I directed my bank to have an automatic bill payment for the full amount within the week. I still continue to get these calls. I have excellent credit and have never had this kind of treatment from any creditor. This is unacceptable.... |
February 19, 2017 - Hi, I recently got a Citi Thankyou Premier card a few months back. I realized after a couple of months of use that the Citi Doublecash would serve me better than points, and after speaking to a few friends that had done a conversion to this card, decided that this would be the best path to take. When I chatted into Citi, they said that this would be possible, but I would need to call. When I called, I was told that I was simply not eligible for a conversion, and they could not tell me why. Since I have other friends who have done a conversion from this card, I am a bit offended that Citi has c... |
February 18, 2017 - There was an overpayment on my credit card of over $12000.00. I have continued to use the card so that credit has gone down to about $10000.00. I have called citibank 5 times over the past 2 months and they keep telling me the refund is under review or that a supervisor needs to review the refund before it can be refunded.... |
February 17, 2017 - I was on a Citi Card as an authorized user ( cardholder not financially responsible in any way ) and the account went bad and they are reporting the bad account on my credit illegally. I am not a guarantor. See attached credit report page.... |
February 16, 2017 - I accidentally paid a balance on the wrong credit card resulting in a credit on this card of $5700.00. I contacted the credit card company immediately after receiving the statement that alerted me to my mistake to have them send the money back to my checking account. I was told on the phone by the credit card representative that this process would take 10 business days. I did not receive the return of my money in the allotted time frame and when I followed up with the credit card company they told me that the request must be approved and they are unable to tell me when my money would be retu... |
February 8, 2017 - - reported my Shell credit card account as being over the credit limit. The only reason that the account was allegedly $4.00 over the credit limit was because of a fee THEY assessed. My charges on the account did not bring the balance to or over the limit. I do not recall any conditions either under the credit agreement, nor under Federal law which will permit a creditor to report my account as being over limit solely due to a fee or charge which THEY added to the account without my knowledge or approval.... |
February 6, 2017 - After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. According to Fair Credit Reporting Act, - - - a... |
February 5, 2017 - Citibank ( CBNA ) performed an unauthorized hard credit pull on my credit report which affected it - points. I did not authorize this nor did I report a credit line increase ( even if I did, they have told me on the phone it would be a soft pull ).... |
January 22, 2017 - My wife and I have a Citi Double Cash account opened in - -. In early - - a payment for the full balance was sent to Citibank. Payment was negotiated by Citibank on - -. We have the cancelled checks, one of which is attached. Then I began to get non-payment notices. We called to inquire. On the - agent we talked to, we were told that payment was applied to an old account in my wife 's name that should have been closed a long time ago. They refused to send us a bill on the old account and refused to redirect the entire payment to the Double Cash account. They finally agreed... |
January 21, 2017 - Citibank Violated the Regulation Z and the CARD Act of 2009. Previous complaint unresolved, as issue was never addressed by Citibank. Citibank has never addressed the issue. - Months prior to the card Act of 2009 ( 6 years after having my card open and enjoying a fixed rate of 9.9 % ), I received a letter stating that Citibank has made a decision to adjust my rate for new and existing purchases to a variable rate of 29.99 %, but I could call and opt out of these terms, and my account would be closed, and payable at the current rates. This was not a result of being late or credit worthiness... |
January 19, 2017 - I scheduled a credit card payment for my Costco Citi Visa Card to be paid on - -, 2017 in the amount of $6700.00 which was the statement balance on the card. On that day, - -, 2017, I received an email from Citi stating, " We reduced a recent payment of $6700.00 to $3900.00 from - -, 2017. When a payment exceeds an account 's balance, plus 7.5 % we reduce the payment to the balance on the day we withdrew the funds. I immediately called Citi card processing to inquire about the e-mail and actions they 've taken. The representative I spoke to expressed that $6700.00 wil... |
January 18, 2017 - During the summer of 2014 I entered in to a payment agreement with Citi for the resolution of my Sears credit card. I set up an automatic payment of $74.00 a month, and they locked my interest rate at 9.9 %, and closed the card to new charges. My $74.00 payment has never been late, but Citi has been reporting my account as late for the last 30 months.... |
January 16, 2017 - I am in the process of applying for a mortgage and a comment on my Citi Credit card states, " SUBSCRIBER REPORTS DISPUTE RESOLVED - CONSUMER DISAGREES ; CONSUMER DISPUTES AFTER RESOLUTION ''. After speaking with Citi, they have no disputes on record nor do they have any idea what this is in reference to. Since I am applying for an FHA, this is holding up my approval process. I have submitted this request to Citi via fax as well, and they stated it will take 30 days to look into this. Since I already put the offer in on my home, which was accepted, I do not have 30 days for resolution.... |
January 15, 2017 - Closing date on my credit card is -/-/-. I made an online payment on -/-/- that was successful. However, I late found out the payment was applied as a float and my credit balance was n't adjusted. This led to a situation where I exceeded my credit limit because it was never adjusted after my payment. My credit limit is still not adjusted for my payment on -/-/-, over a full week later. I was never notified of the float, or the fact that my credit was being withheld. I feel this company took my payment, told me it was successful, but never applied it to my account and updated... |
January 15, 2017 - i have a credit card account with citi bank since -/-/2002. I have been making payments every month and recieve statements every month. For the past four plus years i have been locked out of my account and citibank refuses to issue a replacement card, unlock my account or grant me access to my account online. i have made many calls and have been told my account has been closed. i informed them that my account is not closed and i have been making payments and receiving statements with available credit amounts and never canceled my account. Each time i call they confirm my address and tell me ... |
January 13, 2017 - Citibank sent a letter to me stating that I had been enrolled in their Identity Monitor program without my knowledge. They stated a link in the letter to submit a claim for repayment of the charges. When I tried that link, it did not work. I called CitiBank and talked to their customer service representative. I was told by that person that if I could not access the link provided, I could not file a claim to receive a refund. I have been a customer of Citi for years, but if this is the kind of customer service they offer, I think I will close my accounts.... |
January 9, 2017 - I have had a Citibank credit card since - 2016. In - 2016 my card had fraudulent activity and I was sent a new card. Citibank removed my credit card and all my positive credit payment/balance history from my credit report with all - credit bureaus. I disputed it with Citibank and all - bureaus immediately. I spoke with several - at Citibank as well as all credit bureaus. Citibank told me countless times they had submitted the info to the bureaus and I needed to wait 30 days for them to update. I call the bureaus after that 30 days and they state they 've never received anything ... |
January 5, 2017 - I paid off my CitiBank Visa in - or -. I do n't even have the card or a bill anymore to reference the account number! Today -/-/- i received a letter that I owe $120.00 + $22.00 in interest and $260.00 in fees with a total of $400.00. AND they are sndthe account to - - -. Which I believe is a collection agency. I want to know how all of the sudden I get this bill after at least -- years of this account being paid off. Please Advise I am afraid this is going i ruin my credit.... |
January 3, 2017 - I got a letter for citi card dated -/-/16. In it they stated I was being issued a refund for " certain expedited payment fees previously paid for making a payment over the phone ''. I have two issues with this. Firstly : 1. there was no statement sent reflecting exact time in question. I do not know if its the rightful amount and 2. if indeed the money I paid was & $14.00, there should be interest compounded on said amount. According to the letter, the time cover - - 2009 to present. Were is the interest on my balance for the past 8 years. if I had owed Citi ( Department Store Na... |
January 3, 2017 - I have had a credit card with Citibank for years. Some years back, I added an " authorized user '' to my account, and Citibank issued that person a card. That person never signed an application, and is not a co-borrower. I was shocked to learn that Citibank is reporting this balance under the " authorized user 's '' credit report, even though this person has - liability to pay the account. I called Citibank to correct this, and they told me it is their policy to report balances for ALL users authorized on an account, REGARDLESS of legal liability on the account. I informed them they were... |
December 28, 2016 - Citibank refused to provide credit card for Costco membership, statements from - account transferred to them, credit card, account number or any information about account since the change from - to Citibank happened in -/-/2016. They apologized and promised to fix the issues but never did, and literally alerted me that this very long delay and lack of payment was not going to affect my credit score since would not be reported as delinquent account, because it was Citibank who failed to provide all the necessary information, account, statements and card. But today i found out they actua... |
December 22, 2016 - This is a follow up to a memo dated Monday, - - -/-/- provided below. As of today, - - -/-/- @ - - I have AGAIN reviewed my credit report and see NO MODIFICATIONS to the Credit Report surrounding the issues addressed here. I have over Fifty Thousand Dollars of Credit that has been extended by Citi because of my outstanding payment histories. This is NOT REFLECTED in the credit reporting to the Bureau 's and is having a NEGATIVE effect on my credit. Currently as of today I am showing " open '' revolving terms since -/-/-. My PAYMENT STATUS is showing as UN... |
December 21, 2016 - Citibank obtained my credit report without my authorization. I requested a credit line increase on -/-/2016 through Citi Online self service. At the time of my request, a disclosure explicitly stated and I quote, " It 's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision. '' Therefore, I went ahead submitted my request and received a confirmation email the next stating my request has been received and will be reviewed. I 'll be contacted with a decision. Several days later, I noticed my credit lin... |
December 20, 2016 - Received threatening voicemail from a - - from - - - stating she would be going to my place of work ( within the hour ), if I was n't available, she would find out from someone when I would be, then she would be going to my home, and then to a relatives home. I called them back. They would not tell me anything until I verified the last - digits of my ss number. ( She stated ( " it is public information anyway " ) I did so I could get info. Said I had an outstanding debt with Citibank. Offered me 3 options or court. I told them court. She told me " Good luck ''. I then called ... |
December 19, 2016 - CBNA/ - made an unauthorized hard inquiry on my - credit report and have refused to delete it following my formal request by letter.... |
December 19, 2016 - card expired so I requested a new card.... |
December 18, 2016 - I am writing to dispute the response to case # -. For your convenience, I 've included the original complaint : -Original Complaint- I am writing about my Citi Prestige credit card ( Acct - ) because Citi incorrectly reported my account as " 30 day late -/-/- '', even though I mailed in a check to them. I am attaching a photocopy of the check I sent as proof. They admitted that it 's possible that they lost or misplaced my check. I been a Citi credit card customer for over 10 years ( since -/-/- ) starting with the Citi Dividend ( Acct - ) and have never pay late. I wish f... |
December 14, 2016 - -/-/- - -/-/- there was fraudulent activity on my Best Buy credit account. -/-/- I filed a police report, notified Best Buy of the specific fraudulent charges and asked Best Buy to close their credit card. The card was closed, my credit balance was set to $0.00 and the resulting investigation deemed fraud had occurred. My credit reports ( -, -, - ) have reported the account closure and balance accurately since then. -/-/- ( over a year later ), I applied for a new Best Buy credit. I was declined a new card, and received a letter dated -/-/- stating, " ... ... |
December 11, 2016 - Citibank is fraudulently charging people interest. I 'm sure it 's not happening only to me. This fall, their online payment portal changed. I noticed this change on - -, 2016. Now when I log in to pay on the first of the month, the website says the minimum payment has already been satisfied, and I am invited to pay the remaining statement balance. Under this payment option is the following statement : " This is the remaining amount owed to satisfy your last statement balance. '' On - - I chose this option, but when my next statement came out I saw that my minimum payment did n... |
December 10, 2016 - I have been in collections on a credit card for a very long time for Citibank, N.A., Citi AAdvantage World Mastercard I was already setup on a payment plan with the first company that collections were passed off to : - - - , -, - - -, -, - - - I have been making payments to them for over a year via Direct withdrawals from my checking account, through several 6 mth agreements. Now this last month I got a call from a new collections company : - - - - - - - - -, - - - the day after - took out a withdrawal, asking me to make... |
December 9, 2016 - I received a call from Citi yesterday - long story short, we are shy of 31 days paying the note and it was an oversight on our end ; sick baby, urgent care visits. The resolution from the call on -/-/2016 in the - was that a double payment will be made by the end of the day ( we fulfilled on our end ). On -/-/-, at - I received an email dismissing what the agreement was. On top of already charging a late fee of $37.00 and an interest of almost $140.00 - I feel like I am being slapped in the face. Are the emails normal protocol. I feel that I was not given an opportunity to ful... |
December 8, 2016 - -, MD - - -, 2016 Manager CBR Department Macy 's Inc. -, OH - - : Macys Amex account : - Macy 's Card : - Dear Manager : I have been a loyal shopper and upstanding card holder of Macys and CitiBank for quite a few years now. I have never been delinquent. I prided myself in having a credit score above that - beacon mark due to my - businesses, - of which relies on my credit score to -. I also have several mortgages for rental properties and real property I own outright. A vast port folio you can say. That being said, I usually pull my credit reports ( al... |
December 6, 2016 - I have been receiving telephone calls from it seems Citi-Bank on my number at -. The number calling me is -. It is for a Sear Credit card. I do t have a Sear credit card. I have spoke with someone from Citi several times and today they have called me 5 times. I want and need for this to stop. They wo n't give me information but want my name and SS #. I do n't think so. If these people continue to call and harass me again I 'm suing. Thanks -... |
December 5, 2016 - I have contacted Citi Cards numerous times about not being able to log in to my CitI Credit Card account. I was previously able to for some time but I no longer can. I must call and listen to the automated recording or speak to a representative. They tell me the reason why I can not log in is because I do not have the full account number/card number. I closed the account many years ago and shredded the card which is why I no longer have the card number. I was under a payment plan also which I 'm no longer on because I receive - ( - ) and it does not always come by the - when my bill w... |
December 1, 2016 - I APPLIED FOR A HOME DEPOT CREDIT CARD ON OR ABOUT - - 2016. THE CARD DID NOT ARRIVE AFTER 3 WEEKS, SO I CALLED HOME DEPOT AND INQUIRED AS TO WHY. APPARENTLY, THEY SENT IT TO THE WRONG ADDRESS. SO I GAVE THEM THE CORRECT ADDRESS ( THIS DESPITE THE FACT THAT THE CORRECT MAILING ADDRESS WAS ON THE APPLICATION. ) THE CARD NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS. IT NEVER ARRIVED. I CALLED AGAIN, AND AGAIN I WAS TOLD THAT IT HAD BEEN SENT TO THE WRONG ADDRESS, ETC. THE DAY MY APPLICATION WAS APPROVED, I WAS TOLD THAT I COULD GO TO ANY HO... |
December 1, 2016 - I contacted you several months ago concerning a balance on a citi card. IUI I heard from - almost immediately and got a very satis- fying result. She was very pleasant. But she did not report the result to - and now I still have a bad credit rating and am unable to get a Sears credit card for - shopping. Can you please see that she follows through and that my previous good credit is restored. the case # - the citi advantage card ended - thanking you in advance for helping me in this regard. - -... |
November 30, 2016 - I have contacted citibank and can not get through to there - fraud department or to anyone knowledgeable. On - -, I placed a fraud alert on my credit report due to recent fraudulent activity wit - -. - -, there was a Citibank N.A hard inquiry placed on my account. I have contacted the credit bureau regarding in which I was told I would have to contact the financial institution and get something in writing to send to them. I have contacted Citibank 2 days in the row in which I was told I wold have to speak with every single card department they have to figure out what type ... |
November 29, 2016 - On -/-/2016, I made a purchase in the - 's department of Macy 's in -, PA. I was asked by the sales associate ( a woman ) if I had a Macy 's credit card. I said yes and showed it to her. The sales associate then told me that Macy 's was " doing away with '' their regular credit cards and was switching to the Macy 's American Express credit card. If I signed up for - on this day I would receive a discount on my purchase. The sales associate also stated that I should switch over to the Macy 's - card because I would have to do so in the future anyway. I have since learned that this... |