I closed this account on XXXX XXXX, XXXX as part an agreement with Citi for me to opt of fufther interest rate increases, and for Citi to waive interest for one year. The interest rate at that time was 8.24 % and was to stay fixed until the account was paid off. Beginning with my statement ending XXXX XXXX, XXXX, the interest rate was increased to 8.49 % 
