Ye, but... you might want to make sure and wait for someone else here to confirm this as I am not confident. Better yet, why don't you ask the Lending Tree guys because they can give you an answer better...

Call customer service and complain about it. Last year, I was late ONE time, by a day or two, and was charged for a late payment fee ( I don't remember if they raised my APR)..

I called and complained *nicely* to customer service on how I was a long standing customer and blah, blah. The rep then said that she would remove it, however that she was only allowed to do this adjustment "ONE" time per calendar year for citi card holders. She removed the late fee and it never affected my APR..

I really do believe that reps have alot of flexibility to adjust your account, that is if you are nice on how you go about asking and you happen to get an understanding rep..

It won't hurt to try...

Thanks els,.

But we paid them off and they said that we had a finance charge of $71. My wife got them to remove that portion of the charge. They have my wife believing that after 6 months, if she pays on time, they will lower her APR back to 9.7%. They said she must use the card every month. :).

My wife really believes it!..

$10.00 gas~~~pay it off as soon as the statement shows up ON-LINE!!!.

Next monh...$10.00 gas~~~pay it off.

Next....

Next....

$60.00 THEY GET $0.00 INTEREST!!! Hopefully since you were ON TIME for 6 months you will get the 9.70% back.....

COMBINE THE ACCOUNTS...keeping the account that was NOT late and close the one that was late....

Not sure that will help any.....

I believe it. Citi will up the APR if you are late with ANY creditor, not just your citi. This happened to my neighbor who was cussing at the CSR about that, Citi finally budged, but warned him that next time the decision is final. Anything to make money off us all I suppose, personally I think it's a cheap shot...

George is right. Call first and if you can not convice them by phone or Planet Feed Back Just Combine the two citi accounts...

It happened to me last year around this time..

I had the card, and they pulled my Equifax report. At that time, I had negative items on my report. They jacked my rate to 24.99%.

I called and complained and told them that I was cleaning up my report due to erroneous items (before I found this board) and after speaking to a few reps, my apr was reinstated...

Umm, I don't understand how that will help us. Both cards now reflect 24% interest as stated earlier. They have some bogus rule that they up both APR's if one is late!..

Both accounts at 24%?....Then you have not options but call them...