Do You Have a Citibank Card? Because Your Bank Just Got Hit Hard for Shady Practices.

Here’s a cautionary tale of marketing gone wrong. From 2003 to 2012, perhaps longer, Citibank promoted and signed up customers for several debt-protection add-ons to its credit cards: “AccountCare,” “Balance Protector,” “Credit Protection,” “Credit Protector,” and “Payment Safeguard.” Citibank also sold various credit-monitoring and fraud-protection services. The add-ons were essentially hedges—they’d cancel or postpone a...

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