Mandatory APR increase regardless of how long you've been a loyal member with excellent payment history and great credit score.
No matter how tempting it might seem, don't. What they fail to tell you is you only get the opening discount up to $250.00. After that, nothing. Citibank are the ones that own/run the cards. I've caught them more than once with fees that were not even supposed to be on my account. They've corrected it everything but still. If and when I do use it, I scan the statement. Do not recommend.