Originally Posted by tuphat

Starting point: review your applicable card agreement.
Citi DC is here: https://www.citi.com/CRD/PDF/CMA/car...eCashADA-3.pdf
Other Citi cards: https://www.citi.com/credit-cards/co...ion?ID=CMA-PIT

Excerpts from Citi DC CMA, section 11, "Arbitration" --

You or we may choose to have a hearing, appear at any hearing by phone or other electronic means, and/or be represented by counsel. Any in-person hearing will be held in the same city as the U.S. District Court closest to your billing address.

We’ll pay your share of the arbitration fee for an arbitration of Claims of $75,000 or less if they are unrelated to debt collection. Otherwise, arbitration fees will be allocated according to the applicable AAA Rules. If we prevail, we may not recover our arbitration fees, unless the arbitrator decides your Claim was frivolous. All parties are responsible for their own attorney’s fees, expert fees and any other expenses, unless the arbitrator awards such fees or expenses to you or us based on applicable law.