Citibank is so backwards in the US - its not even funny.
You cant use their card for Skype or any company website operating outside the US. Last trip I almost got stranded because Citibank did not participate in the Securecode program and they constantly refuse to accept it when I talk to them.

I then had a Citibank Rep ( who actually cared) on a conference call with a MasterCard rep (who did not at all care) and they agreed that Citibank does not participate. It was news to the Citibank Rep!

I suggest you abandon the Citibank CC if you are traveling overseas. I am dumping them and all my accounts with Citibank as soon as I can.

AM