Rates, fees, and terms may change:
The important disclosure information contained here is accurate as of April 15, 2009. We may change the rates, fees, and terms of your account at any time for any reason. These reasons may be based on information in your credit report, such as your failure to make payments to another creditor when due, amounts owed to other creditors, the number of credit accounts outstanding, or the number of credit inquiries. These reasons may also include competitive or market-related factors. If we make a change for any of these reasons, you will receive advance notice and a right to opt out in accordance with applicable law. For changes made to the these disclosure information, please contact 24-hour CitiPhone at 477-2484 (Guam) or 1-866-688-2484 (US Mainland).