1) Not paying all the amount is not a issue, as long as you paid the min payment.

2) If you forget to pay it at all, then it can be a issue. Better call Citi to tell them you simply forget to pay, and if it is the first time, hoping they will remove the fine.

3) over the limit is a issue.

4) If APR increases, usually it means they think your risk is increasing. Not a major issue itself (of course, you will pay more interests under that), but the cause (the above ones) can be some issue.

Finally, having credit card debit is a bad thing, should try to avoid.

Just my 2 cents.

[此贴子已经被作者于2007-1-4 10:50:18编辑过]