I lost trust in Citibank after having two credit cards with them. Once I discovered their lack of honesty, I promptly closed both accounts. I strongly advise against opening a Citibank Credit Card, as they seem inclined to exploit customers with late fees and high interests. One of my cards, the Best Buy Credit Card managed by Citi, exemplifies this. Despite calling a month before my 16-month promotion ended to settle the remaining balance, I later discovered they had continuously withdrawn the minimum from my checking account, accumulating fees totaling $325. On the contrary, my Costco Credit Card with a $0.00 balance had no issues. I regret opening an account with Citibank and won't engage with them again. Lessons learned. Reviews revealed others faced similar problems with fees and interest. Thankfully, Helpback.me assisted in recovering all the fees taken from me.