I have had a citi bank credit card for 10 years. The lending amount is XXXX {$.00} In 10 years I have charged and estimated amount of {$7300.00}. I have paid on this card in 10 years an estimated {$13000.00} with {$7000.00} of that being interest alone. In XX/XX/XXXX Citi bank raised my interest rate for 12.44 % to 14.99 % and I am unsure why. I also lost my job in XX/XX/XXXX and have lost a total of XXXX per year in income. I would like to negotiate a settlement with Cit Bank to pay off this credit card but they are saying I am ineligible for a settlement. I have never missed a payment and have had XXXX fee assessed to me in 10 years. Can you help me negotiate a discounted payoff? 
