Interesting, so I just made my final call after numerous calls to citi in regards to their change in terms. This csr I spoke with was very nice and basically told me if I opt out of the rate increase that in 2 years time when my card is about to expire I will receive a letter from citi with the option to keep my account open without them closing it as stated in the letter I received. I asked repeatedly if she was pulling my chain, as I have been a customer of Citi for over almost 10 years and would like to keep my account open for a long time to come. She repeated several times that even if I opt out of the increase I will be given an option prior to expiration to keep my account open. She even tried to offer me another rate but it was still horrible like the one in the change of terms.
I decided to take her name, operator #, mark down the date and time of the call and opt out of the change in terms. In October of 2011 if they reneg there will be hell to pay. Just thought I would share.
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