I had quite an ordeal with Citibank. I was so excited that a very nice woman had put one of my cards on a hardship program which was no interest, and automatic payments taken out. The payment was six days late at the time I spoke on the phone to her, which, as I understand, makes a difference in what they are able to do for you: if your account is current or not.
I was quite happy with the arragnement. I told her I was going to call back later to do the same thing with my other 2 citibank cards, also at 29.99% (and never more than a day or 2 late).
However, when I called, there was no record of the hour-long conversation I had had with this nice woman and the plan she (didn't) put me on. I just had a late account, now even later. Because she didn't process the automatic $80 payment that she was supposed to on the day I spoke with her.
Citibank is definately the worst!!! I am, however, going to keep calling them until I get something resolved. I cannot continue to pay 29.99 pct on credit cards..I will be forced into bankrupcy and that is not what I want!!
