Found this site and have to say it has really opened my eyes. Struggling with a Citi card at about 16,000 and at 14.9% which I opted out of when they decided to rate hike a few years back, so yes it's closed. With less than half my minimum payment going towards the balance, it will of course take forever to pay off while I'm trying to "Do The Right Thing". So I've decided to stop paying while I save my payments for a possible settlement down the road. I've seen mention that Citi is of the aggressive type and is one that may like to sue - should I be worried of that? And any other input is greatly appreciated. Thanks.