Citibank N A Compliment - Citibank's been good to me.
Citibank was the only one who would give me credit when I was young and had no borrowing record. They charged fees and interest rates comparable to other companies. However, when the other companies who later extended credit to me started sending me notices of change to my terms disguised as glossy ad inserts, Citibank always sent me any notice of change in an easily recognizeable formal pamphlet with the changes listed clearly.
When I eventually fired the other companies and tore up most of my plastic, I called Citibank and asked for a reduction in interest rate. They lowered it to 8%, and have kept it there until just recently. Although they occasionally have charged me for late payment, they have often rescinded those charges after a phone call.
Citibank is the only credit card company I will do business with. I had another card, until recently. This other card sent me a notice that they were raising my interest rate, not only on future purchases but on any outstanding balances as well. I refused the change, cancelled the card, and cut it in half. Citibank later sent me a notice that they were raising the interest rate on future purchases. That is okay, the raise was not excessive and not retroactive. That is just honest business.