I posted a few weeks ago on a Citibank thread that I had recently received a Citibank Platinum MC. A few days after getting the card, I got a call from a Citibank rep. encouraging me to take advantage of balance transfer opportunities, 2.9% for 9 months which, I have gathered from other posts here, is a standard offer. I told the rep. I wasn't ready yet to make decisions about balance transfers. The rep. said no problem, how about if we make a check payable to you and then you can decide how to pay off other creditors. And, on top of that, he said, I can give you a 2.9% rate until April 2003. I was dumbfounded and asked for clarification. I asked him, you mean to tell me that if I transfer a balance I get 2.9% for 9 months, but if I accept a check I get 2.9% for almost 2 years?? He said yes. How could I not take it? Well, now the punch line. I got a letter from Citibank thanking me for accepting the check made out to me and that I could "enjoy" my 2.9% offer until 2/17/2002, in other words, 9 months. I figured there was a mistake, so I called customer service. I made my way up to a supervisor, who told me that this representative who called me did not have the authority to give me a 2.9% rate until 2003, that they in fact didn't have ANY offers until 2003. I was furious. The only thing this supervisor could do to placate me (barely) was waive the $29 fee for the check and also assure me that the supervisor of the original rep. who made the fake deal would take disciplinary action against that person. I demanded to know the results of that action, although I doubt very much I will ever find out. I'm tempted to write a letter, but to whom I have no idea (I doubt Kendall Stork would read it). When you're dealing with such a behemoth of an organization, the little voice crying "foul" is seldom heard. So instead I'll just warn everyone hear. If you're confronted with an UNBELIEVABLE offer, such as I was, get it in writing. I wish I had done that. I have no way of proving that this jerk made the 2 year offer to me. It would be my word against his. If I'd gotten it in writing, I'd have a legal leg to stand on. I can't wait to pay this card off and then cut it in half!