Reader Comments (Page 1 of 1)

I don't understand IF you made on-time payments, how your interest rate increased. I also have excellent credit, make my payments on-time and my rate only goes down. I started, like most people at 9.99%, then it dropped to 7%, then 5%, and now its 3.5%. I also am a CITI employee working in the lending industry and NOT making the crazy salaries of my subsidiaries. Most hard-working employees in the financial industry are sympathetic to the economic conditions and try to work with our customers to assist in any way we can to help with their problems. Unfortunately, we have SOME employees that think customers loosing their jobs, having to move to find work, divorces, bankruptcy or any other problems the nation is facing is something to laugh at. I also work in collections at the branch level, and all I can say is don't be afraid to talk to us if you fall behind. So many times I am calling leaving messages without responses. We have a job to collect the money we lend out. Money doesn't grow on trees. We have to borrow the money we give to you and pay interest on that $. We have good, hard-working and understanding people in our office. We are not all over-paid, snakes in the grass.