My rate has gone up twice in the past year. Apparently Citi has been making a desperate attempt to stay afloat by increasing APRs across the board (even with bailout $$$ on the way). I have a Citi Driver's Edge MasterCard, which earns cash back that can be used to reimburse the card holder for vehicle repair services. To add insult to the APR injury, Citi (for the first time in 4 years) rejected my rebate application because I had to buy the parts from Merlin and then have them installed by a separate shop in VA. Their excuse is that they pay only for service, not for parts. The spirit of the policy is obviously to prevent people from seeking reimbursement for speaker and rim upgrades, but they're trying to exploit it to deny me about $250. I filed a complaint with Citi's rebate office yesterday, and someone from their case management department is supposed to contact me today since this is likely going to be an ongoing issue.

If they can't fix it, then there's no point in having the card at all. I figure asking to cancel my card altogether if they say no again will get their attention.