Citi - Visa Review

We currently have a citi card visa. We were late on one payment and the bank rose our interest rate to 29.99. They originally told us that if we had 6 months of no late payments they would lower the interest rate. Upon calling them after the 6 months of no late payments, they told us they could not help us and we had to stick with that interest rate. I would highly suggest someone not apply for this visa card. The bank really sticks it to the consumer and they are not willing to assist the consumer. With all the bank issues today, I would have to say this is the worst bank card we have and as soon as we pay it off, we are cancelling the whole card. Most banks will come out and work with the consumer, this bank will not. They are rude on the phone and will not give you any information you request. I am on the card, but my husband is the primary cardholder. They will allow me to order card protection (which gives them more money) but when I call requesting information , they will not speak to me, only my husband.