I have filed a credit card with Citi and was approved. The problem is they gave an APR of 20.99 % after the introductory period. I have excellent credit history and credit score and I have called them and tweeted them about why is the APR so high. If a person with excellent credit history gets 20.99 %, who will get the best APR? 
Also the problem is there are not giving any answers why is the APR set at 20.99 %. 
If I 'm the consumer of the product I should how I got the that APR. 
I have closed the account. The problem is my credit scorer decreases a few points because of the credit card application and closing the account. Why should I lose points? They are not answering any questions which I ask. 
Thank you. 
