I am a Citibank credit card ( Premiermiles/Platinum ) holder. Without any official or oral notice from the bank, my card was frozen this noon and resulted in no availability to pay my lunch with my client, which made me so embarrassing. After back to office later, I phoned the customer service and found out that my credit card was frozen for the reason of high risks of not personal using. 

First of all, I ca n't believe that how could they judged my consumption and payment with this card is not personal using. I traveled a lot and also paid hotels, meals, gifts and leisure. What is personal using? How do they approve my payments are not personal purpose? 

And also, I had not received any notice, even no call/message to inform me that my card would be frozen. Now I could not check any information about my previous statements history and rewarding point is zero. I am going to apply for a XXXX visa, now I do n't know how to approve my financial affordability without the bank statement. 

The annual fee for this platinum card is over XXXX USD which I was forced to pay it in the XXXX month of my using this card. It has been only 4 months for my using this Citibank card. The bank would not be returning proportional money as they have frozen my card. 

All in all, as an ordinary card holder, Citibank is making unfair movement to me as they could always use the corporate privilege against individual client. 
