Citibank charged off about $5000 in 2000 but it never showed up anywhere on my credit report. I do have about 3 other paid charge-offs and an unpaid 7500 Asset Acceptance collection that does show on all 3. I guess there is not a blacklist for CITI! To my surprise, I was approved for the Gold AA card from Citibank. It was an online instant approval with a 2400 CL. Not great specs though - $50 annual fee and 13.99 fixed. Here is my question - is the GOLD AA card a good card in people's opinion? I know little about it - just that you get a few airline miles somehow. Anything anyone can add about this card would be appreciated.