talked to another citibank agent.
me: hi. i would like to pay my account in full. do i get a discount if i do?
her: sorry ma'am but we only give discounts to those who have payment arrangements with us.
me: you mean i have to be delinquent to be able to get a discount?
her: yes ma'am, if you see it that way.
so let me get this straight. there is no premium at all if i'm a good customer, but i will get a discount if i don't pay for a couple of months and make a settlement with them.
is it just me or is there something terribly wrong with their customer service?