My experience...

I used to put on about $1000 a month on my AA card and PIF. During Christmas, I would get denied about two or three times while shopping. I have to call the fraud department. They put a hold because of "unusually spending"... hmm, its Christmas!

Now.. one day, I look on line and my balance jumped from $800 to $7500. $6500 charged to the card in one day with over 35 transactions ranging from $25 to $600. Citibank never stopped those. And to boot, all the charges were made in Ottawa, Canada. They reserved the charges.

I have not used any Citibank products the past year, they no longer get my business, so I do not know what it is like today.