I made a payment using my Citicard rewards on XX/XX/XXXX. The bill was due on XX/XX/XXXX. They applied the rewards to the account. After getting late calls I contacted Citicard. They told me the rewards transfer does n't count as a payment. I do n't recall seeing any notice that the rewards transfer does n't count as a payment. 
I have been unemployed without benefits for 6 months. What little I had in retirement savings is gone. I 'm living on XXXX meal a day. Please help. 
