I recently applied for a Citibank double cash rewards credit card. They stated the apr ranges from 12.99 up to 24.99 based on your credit score. My credit score was very high. They approved my application and gave me an apr of 15.99. I was confused as to why I did not get the 12.99 score, considering my credit fico score was so good. I talked with management and they refused to tell my why it how this apr is determined. I feel this is fraudulent to advertise This low apt if 12.99 if you ca n't tell a consumer who is eligible for this and what the parameters are for determining the apr. 
