My complaint is with your Citi card program. Wanted to use Costco's HVAC program to replace my system and get all the rebates I could. With a price is $23K, my Citi card limit wouldn't be enough. Asked for an increase and was only given an extra $1k with a credit rating of 850 and no outstanding debt. Then told I'd have to wait 6 months for another increase which, is decided by a machine and not a person. So, I can't use my Citi card and get all the rebates. What a disappointment. The 2% back lost is enough to go elsewhere. Maybe a different card company would be better.