I have an a citi master card account since 2002. I have never been late on my payments. On their ( citi ) website I have an excellent credit fico score of XXXX. I was surprised when I called them today spoke to XXXX to ask them to lower interest rate which is at 20 %. They said NO. She said it goes with your credit report and when you applied for the card. It sounds ridiculous and I think citi are just stealing my money. 
