OT: I called to cancel my Citi AA VISA yesterday and the guy I got asked why I wanted to cancel, not wanting to say well I got the 20k already and Citi cant take it back so why keep it.

I simply said since Citi decided to recoup its SubPrime losses by raising the fees for ForEx and that includes if the charges were in US$, that meant had I charged my recent just completed Hotel stay of $10k to my Citi card and not my Amex it would have cost me an extra $300.

He then went on to try and explain why Citi had to charge it as its not a non-profit. I said when Citi starts charging an extra 3% when I charge something here in the US I will understand it. He then saw he was out foxed.

I guess if enough people dont read the changes to their T&Cs Citi will make out like the Bandit they are. But thats still better then the people I see exchanging their Money (to/from US$) at the Amex offices I go to, man talk about getting ripped off!