Citibank is a scam without the help of the Chinese spam scum.
If you hold a Citibank credit card and cancel it, be warned. They re-opened my closed account and applied a charge to it without any authorization or notice from me. They could not explain how it happened either.
They did something like that to me, too. I cancelled a Citibank Mastercard that was paid in full and they opened it back up to apply an $8 fee for something or other, then kept calling to harrass me for not paying the $8 fee.
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