Dec 2019. It was not this exact card but was a CitiCard for college students with no credit history. I helped my 18 year old granddaughter apply and receive the college student card so that she could start building her credit. She had a $2000 limit when it arrived. The day that she received her card, she set up an automatic payment with a checking account so that it would be paid monthly and she would not forget to send payment. She chose to have statements mailed to her address rather than sent electronically. It is a way for her to keep a paper trail on expenditures in college. Several weeks later, she received a phone call from citi bank that her payment was past due, eventhough she had not even received a statement and she had set up AutoPay through a checking account. She explained to them that the account was set up to AutoPay but they said that did not happen and they asked if she could make a payment over the phone. She made the payment with her debit card at that time. She asked if there would be a late charge and they said no because they failed to make the auto withdrawal that had been set up and that everything should be fine going forward. The following month, she received her statement and there was a $25 late fee added to the total due. She attempted to reach them by phone with the phone number provided on the statement and reached an automated system where she could not figure out how to talk to a real person. I then tried the same number with no success at talking to a real person so I got on line and accessed their website and went to a live chat. I explained the problem and that I would like to have the late fee refunded. I also told them about the problem of not being able to talk to a real person with the number provided on the statement. They finally got back to me with another number to try. My granddaughter called the number and was connected to an automated call again. I told her to press 0 several times. She did that and finally she was able to talk to someone, She once again explained what had happened and that she would like the $25 refunded. They said that they were not able to do that because the payment was late. She again told them that AutoPay had been set up the day that she received the card in the mail and that she had not even been sent a statement so there was no way she could have known it was past due. They again said that there was nothing they could do. I was with her when she made the call, so I told her if that was the case to have them send a final statement and cancel the card, They cancelled the card. I then got on line and helped her apply for a Capital One card for students. She was aproved immediately and will probably be a customer for a very long time, if not for life, cwhile helping build her credit which was the goal from the beginning. I would not recommend CitiBank to anyone. This was not anything that my granddaughter did wrong. Late payment was all due to CitiCard's lack of organization and accountability.