Citibank MasterCard Weirdness
- From: geoffm@xxxxxxxx (Geoff Miller)
- Date: Wed, 21 Jul 2010 23:16:37 -0500
I have a Citibank Diamond MasterCard. (Remember
when they were called "MasterCharge?") Citibank
apparently values me enough as a customer that a
couple of years ago, they raised my credit limit
to a ridiculously high level. Ghod help me if I
ever get that much into hock with any credit card.
Anyway, my card expired at the end of June, and they
never sent me a replacement. I figured at first that
it was because I hadn't been using the card enough, or
that I was in the habit of paying off my entire balance
every month, thus depriving Citibank of interest income,
and that they'd chosen not to renew my account because
they weren't making enough money off of me.
Their dropping my account seemed at odds with my high
credit limit. But I shrugged, decided "Fuck 'em!" and
moved on. I had way more credit than I needed, anyway.
But eventually my curiosity got the better of me, and
I called Citibank and explained the situation. The
'droidette I talked to claimed that they'd sent me a
replacement card some time back, and expressed surprise
that I hadn't received it.
I found that hard to believe. It's been my experience
in recent years that if a creditor mails me a replacement
for a major credit card, they'll send a follow-up letter
a week or so later informing me that they'd done so, and
asking me to contact them if I haven't received it.
So I began to suspect that in light of the current world
financial situation, perhaps Citibank is "forgetting" to
send out a lot of renewed credit cars, no matter how good
a customer's credit history with them is or how high his
credit rating is, in the hope that many of these customers
won't bother following up with them as I did and they can
reduce their credit exposure.
Has anyone else had this experience with Citibank, or any
other issuer of a major credit card recently?
(Please try to avoid any tiresome, predictable, smart-assed
comments relating to conspiracies and black helicopters.)
"There is not now, nor has there ever been, anything
post-racial about Barack Obama, except for the people
who voted for him in the mistaken belief that he shared
their desire to be post-racial." -- Thomas Sowell
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