Well I got a letter in the mail today from Citibank that says: "We have changed your account back to your previous APR of 17.7% while you dispute the delinquency with the credit bureau. This pricing will remain on your account for four months to give you time to get the delinquency corrected. We recommend that you take that action asap, to make sure those updates are made. If after four months no updates are made, your APR will return back to 19.7%. If you have any questions....." Well, I just hope that I can get everything straightened out in the next four months! At least Citibank is giving me the benifit of the doubt!