Edited sentence: Additionally, Citibank now uses binding arbitration with its credit card agreements.Citibank has recently been using the slogan expect faster rewards.However, a North Carolina judge ruled against the binding arbitration agreement and in the ruling acknowledging his disguist at it.However, many sites and bloggs have popped up all over the web with consumers asking where their rewards are.In addition these same consumers want to know why they are being charged bogus late fees and why their APR's are being raised all of a sudden when they have always paid on time.This means that theorectically if you have a problem with your account you cannot take Citibank to court