We have had a Citi Master Card for many years and are Charter Members. However we have had our credit card used fraudulently on 3 separate occasions. Each time it appears that the data was obtained via hacking of data of business that had our info. What gripes me most is in trying to deal with the customer service people you are always connected with off shore calling centers with foreign speaking representatives. As XXXX it is very difficult to understand these dialects and nearly impossible tro communicate with them. I even wrote to Citi and complained about it and asked if they could not flag our names or numbers to connect with American speaking representatives. I was contacted by a XXXX manager who admitted they use off shore customer service for cost only and they were not going to make it easier for customers such as we. I would really like to determine a credit card company that still gives great fraud protection and English speaking customer service. Thank you! 
