A frustrated Citibank rep who was fired, has posted this gem: How to get Citibank fees waived. "First off - Late fees, you get one a year [waived] automatically [when you ask for it] and 2 or 3 if your a good customer[;] Check Over the Phone Fee - sometimes you can, most of the time you cant[;] OCL [over credit limit] Fees - call back [&] most people will waive them[;] Fin[ance] Charges - alot of people will [waive them]. i used to do it if you were nice. MAINLY - BE NICE TO THE REP YOU ARE TALKING TO." Source: http://www.shitibank.com/_disc2/0000021f.htm Saar