I spoke with Customer Service 3 times and Citibank doesn't want/won't convert/upgrade my Citi Secured MasterCard to any other citicard cc product. Which means, that I have to pay $29/y, if I want to keep it. I have this card since 2005. This was my first card. It will hurt my Credit Score if I close it. I don't want to close it they don't want to convert it. How evil is this. When I opened it they promised me to convert it in 2 years later. Currently my FICO score is 734. I have no balance on this card or my other 3 cards. Citi Bank are nasty that's all.
Official Info:
Citi Secured MasterCard. It charges a $29 annual fee and a variable rate, currently at 13.24 percent. Cardholders can upgrade to an unsecured Citi Platinum Select credit card after 18 months. Consumers deposit a minimum of $200 into a CD, which will earn interest. An early-withdrawal fee applies if the account is closed before 18 months pass.
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