Have very bad experience with Citibank. In the past, I was having financial difficulties and was struggling to pay all the banks.... Citibank kept calling me macham like loan shark like that: "Hello, mister, can you pay $xxx by tomorrow??? Otherwise we will sue you. "
I so TL but I don't have the money to pay them all. When I finally could, I paid $7k one shot and cut up the card into small 1cmx1cm squares and sent it back to them.
Nowadays when approached by Citibank staff at roadshows, I just glare at them and walk off.