Citibank refusing to work with me - What can I do?
I owe around $5000 on a Citibank credit card. The interest rate on the card is around 20%. I can’t afford this card any more. This is why I requested them to close the account and cut back the rate. So far, I have been current on the card. But they refuse to work with me. They are more interested in dealing with a debt relief company directly. What should I do now?