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Charged too much interest. I opened a Citi credit card in XXXX with a balance of approximately {$1500.00}. Since then, Ive consistently made monthly payments averaging {$50.00} {$55.00}. After nearly XXXX years of payments totaling over {$4000.00}, my current balance is still over {$700.00}. Throughout this time, Ive been charged an interest rate of 29.99 %, along with multiple {$40.00} late fees and payment reversals. In most months, less than half of my payment went toward the principal. The majority of my payments were consumed by interest charges. I was never proactively offered hardship assistance, despite a clear long-term pattern of struggling to pay off the account. I believe Ive been subjected to predatory credit practicesCiti has made thousands in interest while the bal