Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

I am no longer receiving a 30-day grace period on any new charges on my Citibank credit card. I took out a {$10000.00} 0 % promotional cash advance and I have always paid the minimum due plus all the new account charges. 

I have proven this to Citi on the phone and via chat, but nobody seems to be able to help me. Their own credit terms state " Amounts in excess of the minimum due are applied to balances with higher APRs before balances with lower APRs '' However, the representative keeps telling me " When you use your card to make a purchase at an Annual Percentage Rate higher than 0.00 % while carrying a 0.00 % promotional balance, any purchase that you make is subject to interest charges even if they are paid in full on that statement. ". 

All charges are subject to a Grace Period, unless new charges are n't paid in full ( which never happened ), From Citi.com " Grace Period on Purchases. You can avoid interest charges on purchases, but not on balance transfers and cash advances. This is called a grace period on purchases. The grace period is at least 23 days. To get a grace period on purchases, you must pay the New Balance in full by the due date every billing period. If you do not, you will not get a grace period until you pay the New Balance in full for XXXX billing periods in a row. Certain balance transfer offers may take away the grace period on purchases. If that is the case, the balance transfer offer will describe what happens. " According to my balance transfer offer, there was a term stating " If you transfer a balance with this offer, interest will be charged on purchases made with your credit card, unless your purchases have a 0 % APR, or you pay the entire balance ( including any transferred balances ) in full each month by the payment due date. " I have gone back and forth with online customer care " XXXX '' as well as telephone agents, but nobody seems to understand the issue, nor is able to help. I will attach the latest chat log -- it is a joke. I clearly ask a question like " and I get simple canned responses, like " Please advise me of what billing cycle the minimum payment plus new charges was not satisfied to cause me to lose my Grace Period? Why am I no longer receiving a Grace Period on my New Transactions? '' and I get back " When your balance is not paid in full by the due date ( including any promotional balances ) your account is subject to Interest charges. Once you have paid your account in full by the payment due date for XXXX consecutive months, you may again take advantage of the 20-25 day grace period. " To summarize my last XXXX billing cycles to prove everything has been paid in full and on time, I have included details below : XXXX Statement - Generated XXXX XXXX, Due XXXX XXXXPrev Bal XXXX New Purchases were XXXX, Payment of XXXX, leaving XXXXXXXXCRXXXX Statement - Generated XXXX XXXX, Due XXXX XXXXRefund of XXXX processed, XXXX cash advance, XXXX new charges and XXXX fee for cash advance -- minimum payment was XXXX, amount paid was XXXX on XXXX/XXXX Statement - Generated XXXX XXXX, Due XXXX XXXXMinimum Payment Due was XXXX, new charges of XXXX, paid XXXX on XXXX XXXX Statement - Generated XXXX XXXX, Due XXXX XXXX * Interest of {$1.00} includedMinimum payment of XXXX, New charges of XXXX, Paid XXXX on XXXX XXXX Statement - Generated on XXXX XXXX, Due XXXX XXXX *Minimum interest Charge of $ XXXXXXXXMinimum Due XXXX, New Charges of XXXX, Payment of XXXX by XXXX Statement - Generated XXXX XXXX, Due XXXX XXXX * Interest of XXXX includedMinimum Due XXXX, new charges of XXXX, paid XXXX by XXXX Statement - Generated XXXX XXXX, Due XXXX XXXX *interest $ XXXXXXXXMinimum Due, XXXX new charges of XXXX paid {$2000.00} so far ( XXXX ) As you can see by the above, every minimum payment was always paid and ALL new charges were always paid, there is no reason that I 'm not entitled Grace period.