I have a credit card with Citi. Their card account website shows the card 's " Current Balance '', which does not include pending transactions. These transactions are then applied in non-chronological order, which is misleading. In addition, there is no running transaction total column next to the statement of credit card purchases, which further compounds the problem. As a result, I end up not being able to repay the full amount owed by me to Citi each month because the Current Balance shown is not accurate. This works in the bank 's favor by hiding balance information from me and potentially allowing them to charge me fees if I underpay. 
