tante said:I think the time to boycott credit cards is just around the corner. If stores would man up and give a 3% cash discount or the reward program would die (like should happen in Feb 2010) then people may start flocking to cash again.

Even if this happens, you can just use your debit cards instead. No reason to be rolling in cash.

RandomHandle said:bargainhunter3 said:Would it say anything on their website when you log in?

Nope. Nothing. Didn't even indicate the account was closed. I had to call and speak to a rep to find that out.
Could anyone with closed account check on the web site if your available credit still shows something. I would expect it to go to 0, even if there're no other indications.

olegos said:RandomHandle said:bargainhunter3 said:Would it say anything on their website when you log in?

Nope. Nothing. Didn't even indicate the account was closed. I had to call and speak to a rep to find that out.
Could anyone with closed account check on the web site if your available credit still shows something. I would expect it to go to 0, even if there're no other indications.

Mine shows I still have about 11000 of my 12000 line available. Confirmed closed last night when I tried to refill my tank. Citi closed it out effective morning of the 15th (right before my statement end date of today), and I lose my earned rewards this statement cycle 5% of $1000 in shell fuel purchases = $50.

Credit reports are fine and score should be 750 or higher. Only "negative" would be a car loan and some inquiries as I am shopping around for mortgages from a few CUs.

this was my last account with citi, and the only reason it was kept open was because of age and the large credit line. according to the account manager it will show up on my credit report as "account closed by bank". Any idea what that would mean to a lender looking at my credit??

12Turtles said:OK, so I don't know how much they ripped all of us off but I just saw my statement. I purchased over $50 of shell gas and had reward to be applied to it. They decided that it was not use of reward and did not credit my account. I have already disputed the charges and sent a complaint to the BBB.

So you didn't get the gas from Shell? Why would you dispute this charge?

It looks like they did the same to me. Downloaded my 10/13 statement & previous $27.23 rebate was not redeemed automatically (which it always has been) and earned this statement is $0.00 despite my $1.5k spending.

We're getting hosed. I'm planning on filing BBB and FTC complaints. Anyone ever done this before? Any tips on how to get a response?

Good idea xoneinax. Regarding the BBB:

Go to BBB.org and there will be file a complaint link -

I would complain to CitiCards Inc. - their address is

Citibank
PO Box 6000
Sioux Falls, SD 57117

They are not listed with the BBB but it hits the Office of the President of Citicards. It worked in resolving Credit Protector fiasco (the 5 $10 gift cards) on a different Citi account.

In my opinion, if you purchase the gas, it is a redemption of the rewards and they owe you that credit and have violated their own card terms.

If all else fails, I would not hesitate to file with small claims. You can file a notice with any branch of Citibank.

Regards,
Tom

Used my card this morning to make a $23 grocery store purchase. When logging into my account, everything looks totally normal. Available balance went down by $23 after the grocery store charge. If not for this thread, I wouldn't have any clue that anything is up. I've had the card a little over two years and used it primarily to purchase Shell gas. I would guess 60-80% of my total spending on the card was for gas, and I've always paid my bill in full. I haven't been able to check my credit score since Chase took away the free Providian/Wamu online TU fico score snapshot, but I would have to guess my score is around 785-810, and my overall debt (and utilization ratio) is extremely low. I'm also a Citigold customer with over $100K in Citigroup/SmithBarney investments, so maybe that was a factor in not closing my account (at least for the time being, anyway).

About 11 months ago, I noticed the $25 Shell gift card (for 3500 TYP) and the $50 Shell gift card (for 6000 TYP) were removed from the TYN website. After I accumulated over 10,000 points and I was able to ask for a specific "wish come true" or whatever they call it, I was told that Shell gift cards are no longer available, even by special request. Other than the $25 Sunoco gift card (for 3500 TYP) that was still listed on the website, the only gas card they could offer was a $100 Exxon/Mobil gift card for 12,800 TYP, which I declined. Because the Shell gift cards were no longer available for TYP, I wondered if the Citi/Shell partnership had started to go sour. I know Shell used to have an agreement with Chase, and if I recall correctly, I think the Chase-Shell Mastercard eventually morphed into the Freedom card. This 5% back Shell Mastercard has bounced around a bit over the years, so it wouldn't surprise me if the party is about to end for everyone, including those whose accounts are still active.

But then again, they're still accepting new applications with the same terms as when I applied over two years ago.
https://www.accountonline.com/ACQ/Apply?app=UNSOL&sc=4TGWE2N6&m=ZSHL0V65R0W&langId=EN&siteId=BKCD_SHELL&B=M

The whole thing seems very strange to me.

cremevette said:If they wreck our credit with this, we have a class action suit on our handsAssuming you pay any recent and outstanding charges of course, none of this can wreck your credit.

The card worked on the 13th.Same happened to me on the 14th. I was at a Shell station where several customers were inserting their cards only receive a "declined" message. Was told there was an item in Equifax. Ordered the free copy..nothing negative. Same thing as you had the card for a long time and always paid on time. Rarely carried a balance.

xoneinax said:cremevette said:If they wreck our credit with this, we have a class action suit on our handsAssuming you pay any recent and outstanding charges of course, none of this can wreck your credit.

xoneinax, it hurts credit score because of less available credit and potentially lowers the average life of your accounts. Given the generic nature of the reason that has been passed on to like thousands of card holder, it could easily be a class action as the reasoning is disingenous. It really depends on if it is illegal to close accounts and provide inaccurate reasons for the closure of the account? It also seems that most account holders learned of their closure by visiting a gas pump instead of receiving a letter or electronic notice.

At best Citi is irresponsible is irresponisble in its treatment of customers. At worst...