Zero Annual Fee of Citibank Credit Card is a Big Scam

I thought my faith in Citibank will finally be restored when they granted my application for a credit card after over ten years that I did not avail any of their products because of a traumatizing experience.  I'm sure all of us have heard 'horror stories' of Citibank's  violations of human rights in countries like Indonesia, etc.  where they send "T-H-U-G-S" to pressure card holders to pay up.  For a supposedly large and global financial institution, it's  surprising that they still employ barbaric methods in this computer age.  

I was minding my own business in one of the malls in the metro when I was approached by a Citibank credit card agent offering me their products and dangled the fake bait which is zero annual fee for life.  Little did I know that this agent omitted a big factor.  While I acknowledge that it is my fault for biting the bait, I still think that Citibank should not mislead anyone and prey on human weakness.  Anyone would jump at the chance if given a free annual fee for life.  It's a big chunk off the  financial obligations of a cardholder.

And so when my card was delivered at my doorstep, I immediately spread the word among my friends that I was able to avail of this product from Citibank free of annual fee for life.  I was wondering why my friends were not even reacting positively and went uh-huh..don't tell me you bought that?  I said, what?  What do you mean?  And they went, only if you reached a minimum of thousands every month, which is something I will never even dare spend using a credit card.  Oh, well.  I guess Citibank is at it again.  Poor, gullible me, Citibank had to make a fool of me for the nth time.  I've totally lost faith in the banking system in the country after that.