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Am I understanding that you’re holding a grudge for 20 years because of a breakdown in delivery for an antiquated communication method, one that wouldn't be used in your socioeconomic class to handle finances any longer

because citi was inflexible then? inflexible to a financial woe you would also never encounter in your subsequent post-college socioeconomic status for decades?

I’m asking because I didn't completely understand the story

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You're using a lot of words to say: "They avoid Citi because they gave them bad service".

They used a lot of words to say that

They used a lot of words to tell a story about their experience.

You used a lot of words to reduce their experience and make yourself sound smart.

No, it's because they charged a $10 fee to move money from a checking account(at the same bank) to credit card account. That is just ridiculous! There should be no fees to move money between your accounts at the same bank.

ah, that I agree with, I'd be mad about that too on top of potential late fees and interest

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