Citibank, Your Security Breach Is Not A Credit Reporting Sales Opportunity

Joy. Citibank closed my credit card today, not because of anything I did but because of some unknown merchant problem. Aside from being an inconvenience to me, Citibank also apparently thought it was a good time to pitch me on credit monitoring. Bad idea.

Apparently, some undisclosed merchant out there had a security problem that has caused Citibank to close the accounts of some unknown number of people. How reassuring.

This is the second time this has happened to me in the past two or three years. Which merchant, I asked, when I called Citibank. They didn’t have that information. I mean, someone at Citibank has it, but their customer service people don’t have it to give out to customers who might wish to avoid that merchant in the future.


More fun when I went to activate my new card. After activating it, I got this long sales pitch on how I could get credit monitoring for free for 90 days then $8.95 per month after that, which apparently is some special rate.

You know what? I should just get that for free. A security breach on your end is not a sales opportunity. And when I decline, don’t try to sell me a secondary monitoring service that’s slightly cheaper. And when I question why you’re pushing this on me rather than giving it to me for free? I shouldn’t get told, “We’re just the activation department — you’d have to talk to customer service about that.” Hey, if I’m calling just to activate my card, then do that. No upsell.

Just a last thing. I would so dearly love that if I punch in my credit card number into your automated system, I’m not asked for it again by the human operator. It would just make me feel like I’m wasting less of my time.