Let me tell you a story about CITI Bank and how they treat their cardholders. 

My family and I went on a XXXX, in XXXX of 2015. Before we left I contacted Citi Bank and informed with a nearly complete itinerary of where and when I would be in XXXX and that I would be making a substantial payment on my card so that I would have plenty of credit available. At the time I had a {$10000.00} limit. I was informed I was all set for my trip and that I would not have any problems. 
Apparently several days after I left ( remember CITI knows when I was leaving ), my credit limit was reduced by CITI to {$6500.00}, approximately how much was charged on the card, therefore I had about XXXX credit available. When I found out via a satellite courtesy call from the ship to CITI, an account manager recommended paying another {$1000.00} down on my card and I would be all set for the rest of my trip. So we did a phone transfer from my bank to the card. All set again right! 
So 5 or 6 days later when it came time to disembark in XXXX and come back to the good old USA, it turns out CITI refused the charge. Since it was the only card I had with me I was stuck, for all intents and purposes trapped with my wife and XXXX daughter. Fortunately another family member on board had another credit card for us to borrow. 
Finally about 3 or 4 weeks later we decided to confront CITI with this fiasco and how this happened. We called CITI and a customer care representative made about a half dozen excuses ' and then said CITI bank was sorry and they would give me {$100.00} for my trouble. I said that was unacceptable and I would like to speak to a manager/supervisor about this. There was no one available at the time, so we being understanding offered to make an appointment for a call back. The appointment was made for 4 days later, during normal business hours. The phone call never came. I guess we are n't important enough to call back. 
So a couple of weeks later, a few days after the next bill was due and I did n't pay it. I decided that would be the best way to get a call back. I missed the call that came 3 1/2 weeks later. 
Finally I spoke to an array of CITI another 2 weeks after that, and here are the excuses : My second payment was put on a 5 day hold because it was my second large payment in a monthThe employee who advised me of making the second payment had no knowledge that the hold would be made ( even though it is one of their policies according to another CITI member ). 
I finished my phone call with a customer service manager ( named XXXX ) who proceeded to tell me that it was only bad timing ( possibly a coincidence ) and not CITI 's error in way whatsoever and there was nothing he could do for me. I took that as TOO BAD. 
I do n't believe in coincidences, these decisions were made by CITI intentionally to get as much repayment as possible regardless of the cost to me the customer. I plan on taking CITI to some type of civil court so I can at least expose their ruthless inhumane to more people. 
