Anyone owe Citibank and later either repay or just apply (without repaying) and have them "forget" you owed them money on an old acct? I included 2 very small accounts in a bk. wondering how long their computer remembers. I could always repay the 1k total but I'm not sure if it'll make a difference really. I did hear of one posted who got one 12 years later w/out repaying... but just looking for any other experiences. Thanks.