ITS OFFICIAL ... CITIBANK IS PURE EVIL.

I just recently asked for help from CITI Bank over a high APR. First I called, and was essentually lied too given some phoney date of review of that APR to get me off the phone. Then I emailed them, and got what I call ... the evilist email I have ever seen. My initial email is at the bottom. CITI's email amounted to "let him eat cake".

Message

From:	######@citicorp.com
Subject:	Re: Need lower interest rate asap
Date:	August 11, 2011 3:20 EST
We received your request to lower the APR on your account. Unfortunately, at this time we are unable to offer you a lower interest rate. You are a valued account holder and we thank you for the opportunity to review your account information. Though we are unable to lower your APR at this time, we would like to share some tips with you. Outside of an interest rate reduction these can help minimize the interest charged to your account each month. ? You are always welcome to make payments over the minimum due to help reduce the amount of interest billed each month. There is no penalty for paying the outstanding balance being assessed interest charges in full. ? By making your payment earlier in the billing cycle, it can help reduce the average daily balance and help decrease the amount of interest charged each month. ? Your statement also shows how much to pay in order to pay off your current balance in 3 years. ? By consistently paying your account balance in full each month, by the due date, interest charges can be avoided altogether. If you have further questions or concerns, please contact us. We thank you for your business and the opportunity to serve you. To better assist you, we need to speak with you directly. Please contact us at 1-**********. We are available Monday through Thursday (6:30 a.m. - 11 p.m ET), Friday (6:30 a.m. - 9 p.m. ET), and Saturday (8 a.m. - 5 p.m. ET). Outside the U.S., call collect at **********. Thank you for using our website.

From:	markbyars
Subject:	Need lower interest rate asap
Date:	August 11, 2011 3:09 EST
23.99% is a great passageway to "bankruptcy". I need this lowered significantly so that I can keep control of this account otherwise I will be forced to find alternatives to dealing with this quickly becoming unmanagable debt. Thanks, Mark