Citicards misrepresents balances and makes it impossible to pay them in full. In fact their rep just told me that although I paid my balance in full the month before, I will still be charged interest until I pay in full XXXX months in a row. I am paying interest on the interest of a XXXX balance account. Despite the fact that they list a "Previous Statement Balance" and a "CURRENT Statement Balance" you never actually get the correct balance. So you ALWAYS HAVE A BALANCE even when you have PAID IN FULL THE MONTH BEFORE. Call them or online chat with them and you get an endless cycle of NONSENSE!!!!!!!!! One operator will tell you to pay a certain amount and the next tells you to only pay the balance listed.....it should be criminal.