Citibank N A Informative - Fees
This bank is only for those who have the time to stay very current with all of their bills and read the fine print, because they mean it. I just opened my bill from the Citi, which crossed in the mail with my previous payment,which in turn was a few days late.
With total of one late payment, ever, they promptly hit me with a late fee $39.00 and new interest rate = 21.49 % APR. I am no longer a customer of theirs.