I received a letter from citi bank saying I was eligible for a credit card with 0 % for 21 months then 12.99 % after that. the invitation number was XXXX..it said i could apply on line for fast response, which i did. when i received my credit card in the mail, citi bank changed my interest rate to 22.99 %. i called citi bank and they said they would forward my complaint to the proper department and i would receive a response in about two weeks. i received the response from citi bank today in a letter dated XXXX/XXXX/15. they refused to give me the 12.99 % originally offered and accepted by me. I have not activated or used this credit card due to this issue. I consider this a bait and switch tactic that is unlawful. I want the credit card at the 12.99 % originally offered to me. 
