Citibank is so easy to deal with. I just called to see if i can get my drivers edge card changed to a dividend card. No problem. I also asked if my student dividend (900 limit) card could be combined with my regular dividend (2500 limit) No problem... So, now going from 11 credit card down to 10, and still counting down. I now have 2 credit cards with citibank: Dividend platinum 3400 limit Click platinum (only can use online) 1000 limit I could not combine the click because it is an online card. Psugirl