I received a letter from citibank today informing me that, in an effort for them to cut costs, as of November 30th, they are raising my current APR from 9.99% to a whopping 29.9% WTHeck? I'm so annoyed. They tell you basically, if you don't like this new 'arrangement', you can close your account and cancel your card at your current rate but no longer have an account with citibank. They also tell you to earn interest back that you can pay your account every month on time. I pay every month EARLY and I pay EXTRA on my card. I am so annoyed because this is my emergency card - or, WAS my emergency card. Argh~I'm calling them tomorrow!