In January 2021, Citibank closed my Citi Costco Visa card because my Costco membership had lapsed. I did not pay my annual Costco membership because my family and I were experiencing financial hardship due to loss of income as a result of COVID-19 pandemic. I recently renewed my membership in April 2021 and I called Citibank to reopen my Visa account and I was told that I waited too long to have my account reopened. I stated that there should be an exception for customers like me that have been experiencing financial hardship for awhile due to COVID-19 pandemic. I live in Maryland and restrictions have been lifted slowly. Citi stated that they do not have any programs for people like me. I think this is very unfair that I have to continue to pay the balance on a Citi credit card that I cannot use. Furthermore, I need access to credit and I can't get access to it with this useless Citi Visa card.