I'm through with Citibank, but that's another story. They replaced a card I'd had for some 20 years with another card because I wasn't using it enough. Well, okay. But they also cancelled my online access to the account, cancelled my paperless billing, mailed the first bill to a P.O. Box that had been closed for 8 months (which the address on the former account had been updated; luckily it's a small town and the Post Office forwarded it "under the table" so it reached me before the due date), and then they wouldn't let me establish new online access to pay the bill. "That website is brand new [they'd sent me the card five months earlier]. We're working on it." No wonder they're going under.