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Customer Service
Ken [snip] is still at it
Posted by
SIOUX FALLS, SOUTH DAKOTA -- Most of the reviews I've read are older, but I'm letting you know that CitiCards and Ken [snip] are still at it.
My husband died in December and I finally got to changing our MasterCard (he was the primary) to my name. I was at CitiBank with one of their service reps and got CitiCard on the phone to see what I had to do. I was told that I could assume the account, I just needed to fill in the form and send it in within 30 days - which I did. A week ago I called for the status and neither the representative or her supervisor could help. They both said they didn't know if I could assume the account but, as it might take a month, to call back.
Yesterday, I received the MasterCard bill in the mail - still in his name. I called back and spoke with another representative who told me, after checking with her supervisor, that the first representative shouldn't have told me that. They no longer allowed spouses to assume the accounts for their deceased spouse. The only thing she could say was "I'm sorry". I told her that didn't cut it. She said there was nothing I could do - so I got "Ken [snip]" name and address and planned on writing him to see if something could be done - then checked online and saw what I fiasco it is to deal with him.
I still planned on writing when, last night, I was at the store and tried to use my card - IT WAS DECLINED!!! My balance is only $95 and isn't due until next week. So, I paid cash and walked out in shock. I called again, and this time spoke with James who said he is a manager. He informed me that my account had indeed been closed. Now, AT NO TIME in this whole fiasco had I been told that the account would be closed immediately. Now I'm left to go through applying for another card and waiting for it to be approved and mailed. All James could say was "I'm sorry" (sound familiar) although he did sound remorseful when he said he wished there was something he could do and agreed that the whole matter had been handled poorly from the start - but no luck on the card.
So, in the interest of expediency, I applied for a new card with them - for the time being. I need a card as soon as possible for emergencies. So the witch - excuse me, representative - that I spoke with (and her supervisor Nicole) closed my account the minute I hung up if not sooner without telling me they were doing it. Now I might add- we've had that card and been cardholders in good standing since 1993 - we're not slouches. And it was all part of a CitiGold account. We've been very good customers between the card, numerous checking and savings accounts, a mortgage, and money market accounts with CitiBank.
So, too many "I'm sorry's" later I've been approve for a new account (lower credit line, of course) and will be awaiting my new card - in the meantime I can't charge anything if I need to. Throw the widow out into the cold - at least I paid off the mortgage so they can't get me for defaulting on that. Next up is my letter to Ken [snip]. Citi strikes again!!
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trmn8r on 05/01/2012:
I can understand a bank not wanting to change a secondary card holder to the primary once the primary has died. I was on my mom's account, and it wouldn't make sense for the bank to transfer that account to my name after she passed. With a husband and wife, I can see how one might assume it should apply, but it doesn't surprise me in today's credit climate that they don't do it.
I would chalk this up to an error on the part of the CSRs. You said that an "I'm sorry" doesn't "cut it", but I don't understand why that is. It was a mistake. I also understand how this causes you inconvenience, but in my opinion that doesn't mean they should make an exception to their policy.
JISCal2 on 05/01/2012:
This is not a good way for Citi to keep customers, but it does not surprise me. You have been though and continue to go through a rough time with Citi. Losing a spouse is a pain I would never want to go through and the frustration you feel now I am sure is magnified. I am not saying you are wrong to feel the way that you do, but write your final letters to Citi and then let it go. In the end they don't care about you or any customer; just the almighty dollar. Don't spend your energy on them. It isn't worth it.
tnchuck100 on 05/01/2012:
First, as soon as I ran into a problem I would have advised them if they cannot change the account to MY name then they can just write off the balance. Turning a deceased person over to collections will definitely gain them a lot.
Second, after being treated so shabbily I absolutely would not open another account with them. I would go elsewhere to obtain a new credit card.
CowboyFan on 05/01/2012:
Credit cards and credit limits are based on the earning power of the primary card holder. A secondary user may not have the financial ability to pay the account, and it makes sense to not allow assumption of the account, but require a new credit account to be established.
Credit card companies always close accounts without notice, because the reality is that if they sent out a letter saying in two weeks we will be closing the account, some people would charge everything they could during that two week period with no intent to pay it back.
This review is helpful because it highlights the need for spouses (primarily wifes) to have their own credit card in their name, while their spouse is still alive. I am sorry for your lose.
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Terrible, Terrible Company
Posted by
NOT SURE, CALIFORNIA -- I wish I could give them negative a thousand zero stars. Like, you know what the temperature is on Neptune at night? That's how many stars they deserve. This company is run by very good scammers, I will give them that. To make my headache-ridden, almost unbelievable story of how they scammed me short, I will give you insight into your likely future scenarios at Citibank:
Their online banking system is very poorly operated and kicks you out regularly. It prompts you to call their customer service. Then customer service sets up your bill pay and confirms your bill is paid by phone and email.
8 days later, you will receive an email saying that your 'check' was returned and you are being charge $20 for returned check fee and $20 for late payment on your bill. You will call to b*itch. They will say sorry and that they'll pay you back. Then they ask for your information again and confirm your bill is paid.
Next month, the same thing happens, which is odd since the payment already went through last month. Weird, right? I'm not a rocket scientist, but my credentials didn't change in 3 weeks, so I would think the payment should easily go through again.
Somehow my information keeps changing every month so that I have a 'returned check fee ($20)' and a 'late fee ($20)' EVERY MONTH for 6 months. And EVERY MONTH they say sorry, bank error, we'll return your fees. AND EVERY MONTH THEY DON'T.
Until 6 months later when you ask them where your money is and they say, 'Well, it's only $60'. ACTUALLY IT'S MORE LIKE $160 and if it's ONLY $60, then why won't you give it back to me?
I paid in full (plus extra that they scammed out of me), closed my account, and vowed to be a thorn in their sides. Do yourself a favor and beware of credit card scammers operating under the guise of a reputable company.
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Unreasonable Card Account Closure of Sears Citi Mastercard
Posted by
Had Sears credit card since 1984 at some point Sears exchanging it to a Citi Platinum Mastercard. Never late in 27 years and had zero balance on the card. Received new cards at expiration and called to activate as I wanted to use at Sears to purchase a refrigerator. When activating I informed them that my husband had passed away three years ago so no longer needed that extra card. They immediately cancelled the card/account even though I had been the only wage earner on the account since 1990 when my husband retired and continued employment to the present as a widow. I offered to give them current credit and employment info so they could keep the current card in place and retain the "customer since 1984" credit status but was rudely refused and told that they had already cancelled it and I would have to fill out a new application and re-apply at a Sears store or online. Asked to speak with a supervisor and explained that I didn't want to lose the years of experience on that card and she told me there was nothing she could do, the card was cancelled.
No way will I ever do business with Citi EVER AGAIN. If this is how they treat long term great card holders then I can totally believe the horrible stories that other people have reported. Opened a Capital One Venture VISA over the phone recently and they gave me more than twice the credit limit as I had on the Citi card ON THE SPOT.
What goes around comes around CITI. Wishing you what you do to others. As for SEARS...you need to find another credit card sponsor or risk losing the use of your card by other long term Sears customers (and stockholders) who have been loyal customers over the years. As an FYI, I bought the refrigerator at a different merchant with the Capital One card.
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BEJ on 03/21/2011:
If he was the primary account holder and you were an authorized user on the account, then they had every right to cancel the account when you informed them of his passing. You would then have to open an account in your own name.
jktshff1 on 03/21/2011:
I don't understand what benefits the "customer since 1984" gives you? Unless you had some kind of reward system set up. CC companies really don't give a rat's rear how long ya been a customer.
Ytropious on 03/21/2011:
Agree with jkt, these days it doesn't matter if you've been a customer 1 day or 25 years.
trmn8r on 03/21/2011:
jktshff1 -> the amount of time the person has been a customer is highly weighted in terms of one's credit score. They advise you to keep your oldest cards, even if you don't use them.
jktshff1 on 03/21/2011:
Then I guess if you use credit, that would matter.
trmn8r on 03/21/2011:
Correct. A person who doesn't use credit, couldn't care less. A person who does, it matters. I am not one to track my credit score (I checked it once in my life), but even I have kept my oldest card. It sits on a shelf.
jktshff1 on 03/21/2011:
trmn, if I understand correctly, non use and a high open credit line makes your score go down. But again, I don't use them.
trmn8r on 03/21/2011:
jktshff1 -> The only penalties I can think of for not using a card is that the limit can be reduced (reducing your over all limit and thus increasing your utilization) or the card could be cancelled.
The statement I made is a generalization, and is widely suggested by people who pontificate on such matters. If your oldest card has the highest limit, then I would advise not leaving it in the shelf, for the reasons mentioned.
jktshff1 on 03/21/2011:
OK thanks. I guess ya got to read the fine print and check your score often.
db1105 on 03/21/2011:
Sorry about the loss of your husband but when he passed you had an obligation to notify Citi. My wife is the primary on the same credit card and they won't let me do a thing administrative since she is listed as the primary even though I have a credit card in my name and make all the money.
The bottom line is that the rewards on the card are pretty good and it's not worth the effort on my part to change anything. If you can find a better deal on a credit card, but for those who pay in full every month this credit card is a very good deal.
Anonymous on 03/21/2011:
Sorry about the loss of your husband. When my husband passed away I called to cancel all of his cards. I was listed on his AMEX as an authorized user and they took my information and transferred the account to my name. They were the only ones that did that. I got the interest rate and the credit limit, member since 198X, etc... Everyone else - Chase, Citi, Penneys, Macy's simply closed the account so I think in general, that is how they handle things. Don't be insulted by it. Things worked out better for you anyway in the long run.
CoonCatOne on 03/21/2011:
I am so sorry for your loss and so sorry for the hassles you encountered. Sears is a weird company credit card wise. What an awful world we live in.
jktshff1 on 03/23/2011:
trm, just found this article this morning. Seems a reason to use one if you got it does exist.
MRM on 03/23/2011:
Thanks for the article, JKT! I have printed the article to motivate me in paying down my credit card debt.
L.F.S. on 03/05/2013:
From my experience, one thing for sure, when Sears goes under, they can thank CitiCard for the help.
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Citi Cards cheating Customers
Posted by
THE LAKES, NEVADA -- Citi Targeting Customers paying in full on time. If there is any Class Action Suit on Citi for this behaviour please contact me I would gladly be part of this to stop a Monster organisation like Citi from messing with Hard working tax-paying folks.
I have a Citi Card for the last 12 years, I have had a clean history always paid in full. I missed a payment last month ( Due date: Sept 28th). Within 6 days of being late they froze my account. I called them ( Oct 6th ) and told the customer service representative that I had made the payment, she said that moment they received the payment the card will be activated and will not affect my credit history of any kind but they will charge me the finance charge and interest ( which I contested but they did not budge, I guess that's how they make money these days). My payment was posted on Oct 9th and card activated. On Nov 1st ( after 20 days of my payment in full) out of the blue they reduce my credit limit to 200$ from 1000\'s. I had called the customer service on October 6th and October 23rd ( to dispute the charge which was turned down which is fine) and in all the calls made I have asked the representative
whether my card is being affected and the answer has been no, it is reinstated without any issues. Since the last 2 days I have been calling them to have it reinstated so it does not affect my credit history but all the representatives that I have spoken to have been rude, I couldn't care less attitude and have refused to reinstate my credit limit back. I cannot understand the logic of reducing the limit and messing a credit history of a person for one late payment that was paid in full the moment it was bought to my attention. I am looking for any sort of help I can get in disputing this and making sure Citi Cards does not do this to other hard working tax paying people. The representative that I spoke
to said that my limit was dropped because my account was delinquent. I checked my history thro a credit agency, far from being delinquent its in excellent shape and have not received any notice from Citi about my delinquency. I heard the financial industry has been regulated but this kind of messing with peoples life need to be stopped. Please stay away from Citi Cards. Of all the credit cards that I have had Citi cards has been the worst. The policies are the worst and the customer service 1 notch lower than their policy( The representatives don't know about the customer accounts, don't care and when question outright lie to justify the policy).
Damage Resulting
They have dropped the credit Limit from 1000s to 200$ for one offense. This will affect my credit history which I have worked hard to build. They have also charged me 100$ in finance charges and interest which looks inconsequential compared to what they will be doing to my credit history
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trmn8r on 11/07/2010:
You are right, generally speaking your credit history is more important than the $100 you were charged justifiably. There is a grace period. You went beyond the grace period. There is a penalty for that, and you paid it.
The bank is not obligated to continue to loan you money. They can shut down your credit card tomorrow if they want to do so. They may have looked at this late, and possibly other factors, and said we want to reduce our risk exposure. They have that right, in my opinion. My bank could shut my cards down, and I wouldn't hold it against them.
Anonymous on 11/07/2010:
These days the credit card companies are reducing limits out of the blue for no reason at all. In this case, they actually had a reason. It is their right to limit their exposure by doing this and they have no obligation to extend any credit at all. I have found that they adjust limits all the time - upwards and down so I am sure in time they will increase it if you are patient. As for your credit score, what effect did the reduction in your limit have? As far as I know, it shouldn't have had much - you are not penalized for not having a huge amount of credit available and in some cases, it makes it better. What is figured in is the amount of total money due (your obligations) against the total amount of credit available. For example, if you have a credit limit of $10,000 and you have charged $9,000 that has a negative effect on your score. It isn't permanent or long-lasting though- when you pay the balance down to a good level (less than 30%), your credit score will pop right back up. What DOES hurt you that cannot be fixed is a late payment. All you can do with those is wait until it wears off - the further away (in time) you are from a late payment, the less an impact it will have on your score. The damage done to your credit was done by you - not Citi. I understand that it is upsetting to you because you have such a great payment history and believe me, you do not lose the benefit of that. It is all very nicely laid out on your credit history but as far as the credit card companies are concerned, you are only as good to them as your financial situation TODAY - they aren't really caring about money they already have from 10 years ago. My advice is to put some time on it - a few months and then try to have the limit increased again. You will probably have better luck with that in time. If you are looking for a credit card company who cares and understands, you won't have much luck finding one. Best to stay with the devil you know.
trmn8r on 11/07/2010:
incrediblelee -> Good analysis. What you describe is called utilization, and it is good to keep it at less than 10-20% overall across all your accounts. Hopefully the OP has other credit, and a limit going from $1000 to $200 doesn't increase their utilization to 90% or something.
I read recently that calling the credit company often can actually flag your account for closer inspection. The advice to wait several months before asking again is a good one. To me, if a debtor is desperately asking for an increase, that would be a flag. At the same time I realize a reduced limit can have an impact on borrowers.
Anonymous on 11/07/2010:
...Adding, most credit card companies will not even report a payment as late until it is over 30 days. They will still charge you a fee, they may increase your interest rate, they may reduce your credit limit, etc... but it probably won't hit your report. You may want to wait until Dec or Jan, pull a fresh report and take a peek. Chances are you are upset about not much at all.
Closing the card may have the most negative effect of all. Not only do you mess with your ratio even more than reducing the limit already has...you may be terminating your most long-standing account. The age of your accounts (how long you have had credit) is also a factor in your overall credit score.
Anonymous on 11/07/2010:
Right! I knew there was an official word for it - just couldn't think of what it was...lol!
trmn8r on 11/07/2010:
You added more great information. The OP has had the card for 12 years. It may be the longest.
I closed down a few cards 3 years ago, before I knew about any of this. I closed my oldest card, and threw away about $50,000 in credit limit. Oh well. Fortunately, I still have $40,000 or so, and a card that goes back to 1996. I was "lucky" to have several cards.
getoverit on 11/07/2010:
Citi actually reduced my limit several months ago because I don't charge that much on that particular card. I have other cards and stuff and didn't really worry about it.
Hopefully, the OP does have other accounts and the utilization percentage didn't go way up all of a sudden. And the single late payment on the OP's credit history should not impact the credit score too much either.
I also think incrediblelee's got this stuff about right - especially the part about sticking with the devil you know. I'm not closing any account or opening any new ones lately, even though I still get those offers for all kinds of introductory rates and balance transfer deals, etc. From what I've seen, none of these companies are all that friendly and it's best to show some stability on your reports.
Venice09 on 11/07/2010:
Thanks for all the great info, everyone!
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Unbelievable Incompetence At Citibank Citicards Credit Card Division
Posted by
SEATTLE, WASHINGTON -- Okay, how's this...
My wallet was stolen 15 days ago. I called Citibank (Citicards) and reported the theft. They promised to send out a new card by overnight mail. (They charged me a $25 fee for sending it overnight.)
Two days later the "overnighted" card had not arrived. The customer service representative I talked to promised it was on its way and gave me a UPS tracking number. The number turned out to be bogus.... UPS said it was a number that had been used two years before for a package delivered elsewhere in the country. I called Citicards and they said they were having a "problem" with their tracking numbers but promised the card would arrive "today or tomorrow." Ha ha ha ha ha.
Two days later the card had still not arrived. I called Citicard back and asked to speak to a supervisor. The supervisor admitted this time that the card had been accidentally sent to the wrong address. She said the card that had been sent by regular mail to a P.O. Box and would take a week or two to arrive. But, she said, she could send me a duplicate card by overnight mail. She promised this one would go to the right address, that she would see to it personally.
The "new card" she was supposedly sending out, predictably, never arrived. I called back day after day, and they said it would definitely arrive "today." I asked for a tracking number to prove it had been sent. They hemmed and hawed and then said they had no tracking numbers because of "the hurricane" which was supposedly interfering with UPS. I called UPS and they said that was nonsense, that there had been a little storm in Florida but it had not affected their deliveries or tracking numbers, and that Citicard was passing the buck by using it as an excuse.
I called Citicards again and again they promised the card was on the way. (Though they had no tracking number, still, to prove it.)
Two more days, still no card. So again I called and talked to a supervisor. She said I should cancel the card that had been sent out, because it had probably been lost, and she would send another one immediately by overnight mail. I did what she recommended, cancelled the card. God must have a sense of humor, because the card that had been delayed for almost two weeks, that I had just cancelled on her advice, arrived later that day by regular postal mail. (The one(s) supposedly sent by UPS never did arrive.) So again I was without a credit card.
It is now more than two weeks later. I've called at least twelve times talked to at least ten supervisors. Some of them were polite in a kind of tedious machinelike way. Others were nasty and argumentative. They didn't like having their time "wasted" with customer complaints. The "nice" ones sounded like they were on drugs, they are utterly out of it and keep repeating how "sorry" they are that I "feel this way" in a tired voice. They keep promising to "take care of it" but it's more than two weeks now, and no replacement card. Either the employees are incompetent, or the system is so poorly set up that there is literally no way to fix problems like this when they occur. I'm now waiting for a card which (I am told) should arrive by mail within two more weeks. This after paying twice for overnight cards that never arrived.
I guess working for a company in which there is such deep institutional incompetence, must take a lot out of the employees. Are All Credit Card Companies this abusive, nasty and incompetent? Or are these problems specific to Citicard and Citibank?
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Barbie King on 11/05/2013:
Citicards won't let me see my current card and charges so I can pay it. Won't take my ID and password.
Tried to CHANGE Password = Your request cannot be completed..only for citi customers. (HUH?? I AM a citi customer!!)
I am deaf, no phone, so only way I can contact anyone there is by their supposedly "secure msg" thing. I have typed dozens of messages but nothing happens, nothing is sent. Or else it says error.
Citi sent me 2 Promo ds to get 3X miles - only for my old card 0281 none for current card.
How do I dispute a charge? Citi says there's 2 places to find the form. Locate the charge you wish to dispute in your transaction list on Account Activity and select Dispute this Charge. (Alas, it doesn't say WHERE these 2 places are! )
Find cheaper price? Yes I did. Clicked on Download Form, it says ERROR. (PERFECT!)
To actually reach a human, I had to contact Citibank CEO. A woman answered, sent me the usual generic answers, then went on holiday for 5 days.
Never got a bill this month. How do I PAY the bill when I never GOT it? Can't sign in.
It says my email is wrong (it's not) or that my card number is wrong (it's not). Now the site says they have no record of me.
Is everything outsourced to India or what????
I never should have left AmEx!!!
Unimpressed on 01/08/2014:
I applied and was approved for a Thank You Citicard in November 2013. I received a letter dated Nov 24, 2013 explaining the terms and limit. I called customer service on December 9 because I never received my card. It was supposedly mailed on Nov 26. The lady thought that because of the Thanksgiving holiday that the mail was delayed, but should only take 7-10 days. She told me it should probably be there that week. By December 16 I still hadn't received my card so I decided to call back. This time they offered to cancel my card and create a new credit card number and issue a new card and mail it to a PO Box versus my street address. I was told it would be received within 5 to 7 days. But I never got that card either. Today is January 7, 2014 and I still haven't received either card.
I want to call Citibank and cancel my account. Not a good experience so far.
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CitiCards is unconscionable
Posted by
Lil Ole Me
I have been a CitiCards customer for a very long time. I have never, ever been late on a payment. Suddenly, out of the blue, they decide to cancel my card. Turns out I made a couple of late payments to other companies SEVEN years ago. I wrote customer service regarding this matter. Never heard back. When I called to follow up, I was told by several "supervisors" that nothing could be done. In addition to unfair business practices for which they have been caught - e. g., ridiculously high interest rates and double charging for certain fees - now CitiCards is doing this. Please, do yourself a favor. Do not get a CitiCard. If you have one, cancel it.
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trmn8r on 02/12/2011:
Are you suggesting that the practice of reviewing credit reports and withdrawing credit from individual debtors is unfair?
I have several credit cards and a line of credit. I think it was darned nice of the banks to extend them to me. I happen to have enough money to pay them off, but they don't know that. I don't see anything wrong with a bank retracting the extension of credit. I mean, it's their money. Just my .03
GenuineNerd on 02/12/2011:
Citi has been closing thousands of CC accounts for well over a year or so now, often without notifying the customer first...the customer finds out when he/she tries to use the credit card and it ends up being declined, despite having available credit on it. When the customer calls Citi to complain, they are then told that the account was closed due to "something on an Equifax credit report." Days later, you then get a form letter from Citi informing you of the account closure. They did this with many Citi Cards accounts that were co-branded with Shell Oil, Exxon/Mobil, Conoco/Phillips 66, and other oil companies mainly.
Anonymous on 02/12/2011:
It's their money. They have every right to choose how they let others use it. I will continue to enjoy the use of my card.
Slimjim on 02/12/2011:
I'm sorry, but I wouldn't cancel my credit line based on their decision someone I don't even know was a credit risk.
magellan on 02/14/2011:
It is so true that they lie. They are well trained in that respect. When I called them to find out why my card was closed, she said that I was because credit reporting, that they do it sometimes. It happens that a few minutes prior to that conversation I was told by someone else at the same number that it was because fraudulent charges were made.....They cannot put their "thing" together. Does someone know exactly where to be heard? A place to complain...Complaining to them does not work. They are all trained to lie.
sickofciti on 04/07/2013:
I agree. If you don't have a Citicard, don't get one! If you have one, cancel it.
I missed a payment because I didn't receive a statement. I have now paid the balance (plus late fee) in full.
This is the worst experience I've ever had with a credit card!
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Absurd and fraudulent
Posted by
SIOUX FALLS, SOUTH DAKOTA -- I was so happy when this new citicard came with an intro promotion of 5% cash back on gas, drugstore merchandise and groceries. I was also excited when they advertised 0% financing for six months on balance transfers with no transfer fee. Well, since my balance transfer of $1500.00 last September, Iâve paid a total of $86.00 in finance charges. Iâve called many times to ask why? They replied that it is in the small print of the agreement stating that any purchase I made goes against the balance transfer and is subject to 10.99% financing. Need less to say this has been a nightmare. I called again when my monthly purchase was less than $100.00 and ask a why my finance charge want nearly $10.00? I didnât quite understand their lingo, so Iâve ask them if there would be a finance charge if Iâve paid the whole amount with a balance of 900.00. Of course they transfer me to a customer representative to let me know how they had this new promotion with an interest rate of 1.99% for the next nine months. Again came another finance charge of over $7.00. So Iâve called and ask why. They replied that the representative that gave me this promotion did not applied it to some of the balance transfer, only to future transactions. This time Iâve replied this is BS. They then called the office manager and made the correction. They told me they could not correct the previous month. They werenât allowed. Last month, the whole amount was paid in full. I was finally relieved of this nightmare with Citicard, so I though. Now Iâve just check my latest statement on line, and theyâve charge me $2.86 in finance charge again. My new balance is only $34.00. Iâm writing this complaint to let anyone know that if they own a citicard master with the same intro promotion, not to ever transfer money from another account. You will certainly be taken for a ride. I wish I could contact the attorney general about this. In my view this is fraud.
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madcrunk on 07/06/2005:
Citi definitely has some shady stuff going on.
The 5% deal on supermarkets and gas is bogus; good luck finding a gas station that qualifies. All mine have showed up as 1% except for Kroger purchases. I called to inquire and was told that the purchase must be just a 'gas station', not a 'service station' (like with a food store or shop attached). Good luck finding one of those. What a crock.
Not to mention it takes days for purchases to post online, whereas other cards are almost instant. This is another way they can nail you with finance charges if you're trying to zero out before the statement date.
Arthur on 07/26/2005:
That's what all credit cards due to hall you in. The only way you'll ever see 0% interest is if you don't use the card. To make matters worse, I have noticed that I am not getting the 5% cash back from supermarkets, gas stations and drugstores anymore. Did they cancel this benefit without letting us know that or was this written in the fine print also?
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For my statement closing on February 18, 2005, my balance was $1684.88. I mistakenly wrote the check for $1,681.88, which was a mere $3 difference, or 0.18% of the balance. Plus, it was clearly a human error! Therefore, I was surprised to see a $14.48 finance charge on my March 18th statement. Was I being charged 5x the amount of my mistake!?? Since when did the Fed interest rate rise to 500%??? There is a word for that: USURY
Since I have had pretty good service with Citibank prior to this incident, I thought this was perhaps a computer mistake and should be easily repairable through a phone call. I made my first call to customer service on April 18th. The rep was at first resistant to my argument that $15 of penalty over $3 of difference was absurd, but after a long negotiation, he agreed to manually override it on the computer.
So, you can imagine my surprise when opening my April 18th statement, I found not only no cancellation of the previous finance charge of $14.48, but in addition, an extra $1.44 charge, bringing the total to almost $16 for my $3 clerical error!
I called the customer service again on April 28th. A lady named Erica answered the phone and explained that the charge was not a mistake. She was not only unsympathetic, but frankly, also stupid. Does Citibank not train their staff that "the customer is always right"?? Where is the service in customer service? I told Ms. Erica to cancel my account and she was unmoved. If Citi indeed records its phone lines for training purposes, perhaps my conversation on April 28th would be good reference.
It is ridiculous for Citibank to be so greedy on $16 to lose a long-time loyal customer and stockholder. I am very disappointed, and I have cancelled my Citibank AAdvantage World Mastercard. I am also contemplating canceling all my other Citi-affiliated accounts.
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Slimjim on 04/28/2005:
I made the same mistake once. They base finance charges on balances for 2 billing cycles, so they still got you for the larger balance for the first 30 days. Because of the $3, you left a balance, hence no grace period. I thought it was pretty cheesy too and since knowing the ground rules, never made that mistake again.
bill on 04/28/2005:
The customer is NOT always right. However in this situation, Citibank should have reversed the finance charge. You were only short $3.00 on a payment over $1600.00.
crazyiufan on 04/30/2005:
No, honestly the customer is most of the time the stupid one. It's just the underpaid, under-appreiciatted employees who have to deal with it. I can only imagine having to teach math to undereducated customers every day. Have you never had a loan or a credit card in your life? You always, unless you pay in full every month, get a final bill for interest. It's a well-known fact. Maybe you should do a little research before bringing out the 'stupid' card.
bcgang on 11/02/2007:
For your information, Interest is calculated based on you average daily balance. When you didn't pay your account off before your due date you interest showed up on your next statement. Even if you had paid the entire balance off you would have received an interest charge. For example, if you carry a balance from October 1st to October 31st you get charged interest for each day. when your new bill is printed on November 1st, the interest you accrued October 1st - October 31st is then placed on your bill. So in fact you didn't get charged interest for the 3 dollars, you got charged interest on your entire balance. If you paid using cash, then you would not have to pay Citi Cards for the service of loaning you money.
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They Closed My Account Without Notice
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CHARLOTTE, NORTH CAROLINA -- I have been a Citi customer for over 7 years. I missed my payment this month by DAYS and they closed my account. I did not receive any notice or warning. In fact, the only way I knew that the account was closed was because I couldn't access my online account. I am VERY disappointed with the way this business was handled and the lack of notice and patience that I received as a (not so valued) customer.
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Old Timer on 08/29/2013:
It's all part of automated systems and algorithms now. You miss a payment, that triggers a automated credit review. Your FICO may have dropped or anyone of a number of other items changed. That trips the system to close your account or possibly drop your credit line.
It also works in reverse, you get a credit increase that you never asked for. It's all automated now, a human probably never saw or reviewed what took place.
trmn8r on 08/29/2013:
It is possible that Citi was likewise very disappointed in you as a customer, based on the late payment. Remember, it is their money that you borrowed and agreed to repay.
Old Timer wrote a great comment on what may have happened. Very helpful!
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Paid in full and still charged interest
Posted by
808-pd in full
I pay my balance in full every month. My last statement, I was charged finance charges for a balance that was paid in full. I've always paid it in full and have never been charged finance charges. Upon questioning CitiCard regarding the finance charge, its reasoning was interest accrues when purchase are charged to my account. They did not want to waive the $1.03 finance charge, for a balance paid in full.
I've had the account for over 15 years. The Government bailed them out, yet they are trying to get every penny from balances that are paid in full. What kind of behavior is that?
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tnchuck100 on 11/09/2010:
Was their a cash advance involved? Those accrue interest from day one.
If this is not the case it is time to put that card in a dresser drawer and never use it again. Since it is an old account don't close it. It is helping your credit score.
Anonymous on 11/09/2010:
If you didn't pay the bill until the due date most, if not all, credit cards charge you interest. If you pay the bill before the due date no interest will be charged.
trmn8r on 11/09/2010:
This has nothing to do with "bailouts", but everything to do with your user agreement.
It sounds like you either paid late or as another reply suggested, a cash advance was involved. I use Citi for several years, and I always paid in full before the due date. No finance charge.
They told you when interest begins accruing, but did they tell you WHY you were charged interest?
Slimjim on 11/09/2010:
Since you always paid in full before without incurring finance charges, then you have a standard grace period and something must have been different this time around. Like chuck said, it sounds like you used maybe a cash advance check or something in that area of no grace charges. If that's the case, it's the way all banks roll.
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High Court Limits Presidential Power, Triggers Turmoil at NLRB
A major separation-of-powers decision by the U.S. Supreme Court may prevent President Barack Obama from making recess appointments for the rest of his tenure, and will trigger uncertainty for months or years to come at the National Labor Relations Board.
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[3 of 3 customers found this review helpful]
Alison Krauss & Union Station got standing ovation. Total pros. For the venue, the sound was poor. Willie's band was like a bar band or worse. Drummer with only a snare and brushes, a harmonica player, bass, and Willie. Occasionally sister Bobbie who redeemed the show when she was on. No one to sing harmonies, Willie was disconnected, phoned in the show, people began leaving early and eventually I realized it wasn't going to get any better and we left too. Very sad. Was so excited going in.
[4 of 4 customers found this review helpful]
I really enjoyed the whole concert. We arrived late and the warm up band was on and my friend said he sounds so much like willie...whe he return it was Willie's son..and another
son was with him...not as talented as the son who sang and played the guitar as well or better than Willie..It as amazing show..The Alabama Theater has a wonderful staff and help was everwhere. When we came n my friend is handicap and or seats were on the third level and they up graded our seats to main level and the seats were like captian chairs.Wonderful place to c any concert..
[8 of 10 customers found this review helpful]
My boyfriend said he always wanted to see willie Nelson in Austin, Texas. I had no idea when I went online to find tickets what a special show this would turn out to be.
The Backyard, a beautiful outdoor venue outside Austin, filled with Live Oaks, was celebrating its last show ever due to urban sprawl that built itself up around the amphitheater.
The show went from 2pm to 1am with a star-studded line-up climaxing with the simple beauty of Willie Nelson and Friends.
We had a magical experience which will remain with us forever!
[4 of 8 customers found this review helpful]
It appeared he was on auto-pilot. He tossed a few bandanas to the front crowd. No Fort Worth area acknowledgement or "thank you". End of show was very anti-climatic ... "bye" and no encore.
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Warrior Baboons Give Peace a Chance
The evolutionary biologist Theodosius Dobzhansky once said, "All species are unique, but humans are uniquest." Humans have long taken pride in their specialness. But the study of other primates is rendering the concept of such human exceptionalism increasingly suspect.
We now know, for example, that other species invent tools and use them with dexterity and local cultural variation. Other primates display "semanticity" (the use of symbols to refer to objects and actions) in their communication in ways that would impress any linguist.
Our purported uniqueness has been challenged most, however, with regard to our social life. Like the occasional human hermit, there are a few primates that are typically asocial (such as the orangutan). Apart from those, however, it turns out that one cannot understand a primate in isolation from its social group. Humans are just another primate with an intense and rich social life—a fact that raises the question of whether primatology can teach us something about a rather important part of human sociality, war and peace.
It used to be thought that humans were the only savagely violent primate. That view fell by the wayside in the 1960s as it became clear that some other primates kill their fellows aplenty. Males kill; females kill. Some kill one another's infants with cold-blooded stratagems worthy of Richard III. Some use their toolmaking skills to fashion bigger and better cudgels. Some other primates even engage in what can only be called warfare—organized, proactive group violence directed at other populations.
As field studies of primates expanded, what became most striking was the variation in social practices across species. Yes, some primate species have lives filled with violence, frequent and varied. But life among others is filled with communitarianism, egalitarianism, and cooperative child-rearing.
The most disquieting fact about the violent species was the apparent inevitability of their behavior. Certain species seemed simply to be the way they were, fixed products of the interplay of evolution and ecology, and that was that.
After decades more work, the picture has become quite interesting. Some primate species, it turns out, are indeed simply violent or peaceful, with their behavior driven by their social structures and ecological settings. More important, however, some primate species can make peace despite violent traits that seem built into their natures.
Pax Bonobo
Primatology has long been dominated by studies of the chimpanzee, due in large part to the phenomenally influential research of Jane Goodall. National Geographic specials based on Goodall's work would always include the reminder that chimps are our closest relatives. Goodall and other chimp researchers have carefully documented an endless stream of murders, cannibalism, and organized group violence among their subjects.
But all along there has been another chimp species, one traditionally ignored because of its small numbers; its habitat in remote, impenetrable rain forests; and the fact that its early chroniclers published in Japanese. These skinny little creatures were originally called "pygmy chimps" and were thought of as uninteresting, some sort of regressed subspecies of the real thing. Now known as bonobos, they are recognized as a separate and distinct species that taxonomically and genetically is just as closely related to humans as the standard chimp. And boy, is this ever a different ape.
Male bonobos are not particularly aggressive and lack the massive musculature typical of species that engage in a lot of fighting (such as the standard chimp). Moreover, the bonobo social system is female-dominated, food is often shared, and there are well-developed means for reconciling social tensions. And then there is the sex.
Bonobo sex is the prurient highlight of primatology conferences, and leads parents to shield their children's eyes when watching nature films. Bonobos have sex in every conceivable position and some seemingly inconceivable ones, in pairs and groups, between genders and within genders, to greet each other and to resolve conflicts, to work off steam after a predator scare, to celebrate finding food or to cajole its sharing, or just because. As the sound bite has it, chimps are from Mars, and bonobos are from Venus.
The trouble is, while we have a pretty good sense of what bonobos are like, we have little insight into how they got that way. Furthermore, this is basically what all bonobos seem to be like—a classic case of in-their-nature-ness. So—a wondrous species (and one, predictably, teetering on the edge of extinction). But besides being useful for taking the wind out of we-be-chimps fatalists, the bonobo has little to say to us. We are not bonobos and never can be.
Warriors, Come Out To Play
Video: Robert Sapolsky
What can we learn from our similarities and differences in relation to other animals?
In contrast to the social life of bonobos, the social life of chimps is not pretty. Nor is that of rhesus monkeys, nor savanna baboons—a species found in groups of 50 to 100 in the African grasslands and one I have studied for close to 30 years. Hierarchies among baboons are strict, as are their consequences. Among males, high rank is typically achieved by a series of successful violent challenges. Most males die of the consequences of violence, and roughly half of their aggression is directed at third parties (some high-ranking male in a bad mood takes it out on an innocent bystander, such as a female or a subordinate male).
Primate species with some of the most aggressive and stratified social systems have been seen to cooperate and resolve conflicts—but not consistently, not necessarily for benign purposes, and not in a cumulative way that could lead to some fundamentally non-Hobbesian social outcomes. The lesson appears to be not that violent primates can transcend their natures, but merely that the natures of these species are subtler and more multifaceted than previously thought. At least that was the lesson until quite recently.
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"First you have to understand the love that is a natural phenomenon. Even that has not happened. First you have to understand the natural, and then the transcendental. So the second thing to remember is, never be in search for a perfect man or a perfect woman. That idea too has been put into your mind – that unless you find a perfect man or a perfect woman you will not be happy. So you go on looking for the perfect, and you don't find it, so you are unhappy.
"To flow and grow in love needs no perfection." Osho
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love… awareness… relationships… partnership… sharing… possessiveness… jealousy… trust… natural… joy…


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Unconventional Wisdom: Peter Marino on the Art of Luxury
The architect shares his thoughts on extraordinary design
By Ingrid Abramovitch
Cross Mad Max with one of the Village People and the result would look something like Peter Marinothe leather-clad, Mohawk-haired architect whose clients just might be the wealthiest on the planet. Though he dislikes the term luxury"It's overused," he saysMarino creates retail spaces for some of the world's most unabashedly luxurious brands. Somehow, he juggles both Chanel and Dior as clients, a skillful trick that last year earned him one of France's highest honors when he was decorated as a Chevalier de l'Ordre des Arts et des Lettres. An avid art collector and an artist himself, Marino says that "the triple play of art, architecture, and fashion is what most excites me. I have my finger in all three pies."
I'm the only architect who is not afraid of the word pretty. Architects shudder when you use that word. We're supposed to be more intellectually elevated. I think of it as a compliment.
If you create a room today that could have existed in 1976, it is a failure. Even if you put just one new piece of art in the spaceand by that I mean something created in the past six monthsyou've done your job.


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Enterprise Content Management
Advice on content management is everywhere, but with so many resources provided by vendors and consultants, it can be difficult for organizations to find the information they need to make informed decisions. In 2014, APQC partnered with KMWorld to uncover the truth about content management inside organizations.
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Innovation Performance: Critical Drivers of Success presents research undertaken jointly by APQC and Stage-Gate International. The report explores current benchmarks for product and service innovation performance. It also looks at whether organizations are mastering the four key drivers of innovation performance that comprise the Innovation Performance FrameworkTM.


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Browsing by Author Xue GP
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|The Dof transcription factor family in wheat
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|Xue GP; McIntyre CL; Shorter R
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|Xue GP; McIntyre CL; Tabe L; Jenkins CLD; Shorter R
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Black Diamond
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Vendor ProductId: BD620604
Review ProductId: 28283


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Apple iPhone 4S Skins
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Purchase an Apple iPhone 4S skin for ultimate protection. The iPhone 4S skins provide a solid buffer between your exquisite iPhone and damaging surfaces. Not only does the iPhone 4S silicone case protect against scratches but when you do drop it, the case absorbs some of the impact. The Apple iPhone 4S skin is a smart buy for anyone who doesn't want to spend hundreds on phone repairs down the road. Find the iPhone 4S skins you love only at AccessoryGeeks.com today!


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Alliance One Announces Arrangements For First Quarter Fiscal Year 2014 Financial Results Investor Call
MORRISVILLE, N.C., Aug. 9, 2013 /PRNewswire/ -- Alliance One International, Inc. (NYSE: AOI) today announced that it will hold a conference call to report financial results for its first quarter ended June 30, 2013, on August 9, 2013 at 5:30 P.M. ET. Those seeking to listen to the call may access a live broadcast on the Alliance One website. Please visit www.aointl.com fifteen minutes in advance to register.
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Alliance One International is a leading independent leaf tobacco merchant serving the world's large multinational cigarette manufacturers. For more information on Alliance One, visit the Company's website at www.aointl.com.SOURCE Alliance One International, Inc.
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Apple Data/HDMI Cables
About Apple Data/HDMI CablesFind all the iPhone accessories you need right here. If you need Apple iPhone cases, Apple iPhone batteries, iphone charger, AccessoryGeeks.com has all the Apple iPhone accessories available for the Apple iPhone, iPhone 3G, iPhone 3GS. Want the right Apple iPhone 3G accessories to ensure the right care for your iPhone, iPhone 3G, iPhone 3GS? Then select the iPhone that you have, the iPhone, iPhone 3G, or iPhone 3GS, to find all the Apple iPhone accessories available. Order now and have all Apple iPhone accessories you want shipped free to your door today!
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Here we have the main iPhone accessories page. This page makes it simple to navigate to the iPhone accessories page for the iPhone you own. For example, if you take a look at iPhone 3G accessories and iPhone 3Gs accessories we split them into two pages even though all iPhone accessories for the iPhone 3g and the iphone 3gs are compatible. For the iPhone accessories under iPhone 4 for AT&T and the iPhone 4 for Verizon are differentiated since the silencer button is slightly shifted so we split them into two sections so you can pick the right case for your phone. For the iPhone accessories that you see when you click into these pages, you will see iphone accessories such as chargers, plastic and silicone cases, batteries, screen protectors, data cables, holders and mounts, and much more.
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heaven on earth =D
That is a fake if I ever saw one! There is no way that material would show like that.
looks pretty real 2 me. posted on thecelebarchive.net
Fake. Don't even have to look twice.
So Fake!!!
That is soooooo fake.
Yup, a fake.
Still though it could be a fake could you imagine wrapping your toungue round it
Seriously... I'm laughing my ass off. Total fake!
Zerlock; boxerdudeuk
That is sooo fake!
OMG! How naive (or desperate) some people must be to actually belive that is a real picture.
that's so sad.....almost as sad as me bothering to check thread in the 1st place. damn it-- i don't even like Chris Brown.
i bet that thing flops all around when he dances. hot!!
F to the A next to K joining E.
Lol can't be real
fake or not its prettty hot....
You had me all excited, just set up for disapointment.
lol this is too funny!
LMAO @ Heaven on earth!
Zerlock; boxerdudeuk
i have 1 and many more i love him.. he is sexy
anyone got more...
p.s. im new here... HE IS SOOOO CUTE
wow...i am not usually into colored guys...(not to sound mean) but he def tickles my fancy...especially the way that boy can sing and dance...uhh...damn def wouldn't kick him out of bed...want him to make love to me and sing "with you"...hell ya
anyone got more...
p.s. im new here... HE IS SOOOO CUTE [/QUOTE]
If you go to the top of your screen a do a search for him, you will find that there are a ton of posts of him in the forum already.
i dont understand what is the hype with this kid... hes not the great looking
...did someone in my age group ACTUALLY use the term "colored"?
I don't see the hype about Chris Brown either... i just don't find him attractive. Hell of a dancer - not all that worth the fuss otherwise.
chris brown is sexy and i luv his music and him i want him.. i need him lol and he look sooo sexy in that pic..
^^ Thanks for that pic hon
here are some more
WTF! Look I'm an older white guy. If one of my friends called anyone by a disparaging name they wouldn't be a friend for long. Colored... come on this isn't the 1950s in the south. I don't think I'm particularly enlightened, but come on. There is an old saying Don't throw stones if you live in a glass house. I gotta believe being gay is pretty big glass house.
By the way, Chris Brown has great eyes and a smokin body plus he seems to have a great personality.
Keep this thread on topic, please.
Hockey First!
MMMMMM Sexyyyy
Chris brown isnt that cute when its a close up.
and yea colored is pretty offensive.
i didn't mean anything by it...thats just what i call them...and to get the record straight i am half white...and half Mexican..mom was born and raised in Mexico so don't bark up the wrong tree if you don't know whats at the top
and i just took a sociology class and they are thinking of changing the term on the 2010 census back to colored because none of the other names are working...you know you people would have been offended if i said black so shut it.......
oh and my fav pic is him and that puppy..both so cute
eh, you chose the worst pics of him.
Gentlemen, I will warn you again to keep this thread on topic. The 'colored' debate is for another time or place. If you wish to discuss that, then create a new thread on that topic.
Hockey First!
Now on the subject of this thread.. Chris Brown is "ok"
You all were warned twice to keep this thread on topic and failed to do so. It is now closed. Thanks for playing!
Hockey First!
they tied his harnest too damn tight...there's a whole collection of him trying to adjust it while he's performing...


text:
Items where Author is Rossi, C.A.
Number of items: 1.
Cote, C.K. and Rossi, C.A. and Kang, Angray S. and Morrow, Phillip R. and Lee, J.S. and Welkos, S.L. (2005) The detection of protective antigen (PA) associated with spores of Bacillus anthracis and the effects of anti-PA antibodies on spore germination and macrophage interactions. Microbial Pathogenesis, 38 (5-6). pp. 209-225. ISSN 0882-4010


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text: 5 Great sequel to a great book :)naomis | 01/08/2012 | See all naomis's reviews (7)Wow. You know when you finish a book, and you just want to cry because it's over? That's how I felt finishing Dreamless. The characters are so well developed that you really feel like you know them. Orion, who is introduced in Dreamless, is a particular favourite of mine (and not just because I fell in love just from his physical description!). He's one of those characters that you just want to know more about - and the more you know, the more you like him!Dreamless is set about two thirds in Nantucket, and a third in the Underworld. What's really great about Josephine Angelini is that she writes so clearly and easily understandable through potentially a potentially confusing plot. She is such an engaging and clear author - after reading Starcrossed I had been worried that she would not be able to write another book as good, but I'd say she's actually managed to do even better!I am a major fan of love triangles. From the end of Starcrossed, I did wonder what sort of romance there would be in Dreamless, but what there is is perfect - a gorgeous, perfect Orion for Helen, but still a heartbreaking forbidden love for Lucas. The romance was prioritised behind the plot, and while it still played a major role in the book, it did not drown out the action bits, which often happens in these kind of books.To sum it up, I loved Dreamless. The writing is flawless, and the plot and characters are well developed and great. 10/10 - you will not regret reading this.


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The Wesley Journal is a publication of the Wesley Theological Seminary Student Council. Students, faculty, and staff are welcome to contribute articles, poems, devotions, etc. The Wesley Journal is published every other week while classes are in session. Please send submissions to email@example.com, firstname.lastname@example.com, or firstname.lastname@example.com by 10AM Saturday morning the weekend before publication.
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Check out the issues from this academic year: Coming Soon.
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Homefires Rugs Cynthia MacCollum Sand Dollars By The Sea Blue Rug
Item #: 160PPCY001-P Add to Wishlist
Description: Cynthia MacCollum lives, works and breathes art. Cynthia''s art begins as a doodle, a thumbnail sketch or as words, followed by pencil and watercolor sketches. Her wonderful ideas have been transferred onto area rugs, which can be placed anywhere for a splash of color.
- Collection: Cynthia MacCollum
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Rug was exactly as pictured. Wish I would have got the larger one since I liked it so muchRECOMMENDED: Yes, I would recommend this to a friend.
I love the look of this rug, muted colors and a nice pattern. I have it in a runner, which I use in a heavy-traffic inside area, and doormat size. I like the durability of indoor/outdoor rugs. Can snag easily with cats but just clip the threads and it's fine.RECOMMENDED: Yes, I would recommend this to a friend.
Purchased the rug for my patio but it is so beautiful I am putting it in my foyer! Colors are accurate.RECOMMENDED: Yes, I would recommend this to a friend.
Have bought several of the outdoor weaves.......very nice under feet and colors are wonderful. Easy to clean.RECOMMENDED: Yes, I would recommend this to a friend.
Have bought several of the outdoor weaves.......very nice under feet and colors are wonderful. Easy to clean.RECOMMENDED: Yes, I would recommend this to a friend.
Homefires Rugs
Homefires is proud to present our beautiful line of hand-crafted area and accent rugs. Each rug is hand-made using an ages old technique that has been passed on to the creative artisans of today. Homefires employs the use of various fibers and techniques to create just the right look for our many beautiful designs. Although most of our rugs are made from wool yarns, you will also find some rugs made in cotton yarn and others in acrylic yarns. The choice of fiber is dictated by our desire to achieve a particular color tone, clarity, or intensity. Cotton allows us to achieve a very clean soft tone, wool gives you a rich warm tone, and acrylic fibers can be dyed to create the most vivid of colors.
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We speak up for policies and practices in the Chesapeake region that keep farming profitable while protecting our land and water.
A winter tradition for farmers, food activists, and food lovers: three days of learning and networking, including a full day of hands-on workshops.
Join our passionate, forward-thinking community of farmers, food businesses, and food lovers working to protect the Chesapeake region's land and water, and build healthy communities.
Our new school for farmers, foodpreneurs, and food lovers offers hands-on, field-based education on growing, marketing, and sourcing sustainably grown food.
Our year-long, intensive program provides farmer trainees with classroom learning, free access to Field School events, and weekly on-farm experience under the guidance of a farmer trainer.


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Location(s): Main Clinic (Santa Cruz)www.pamf.org/dr-marin-s-muller.html
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Kaz Online Store
Replacement WF2 Kaz Wicking Filter, 12 pack
This product is eligible for a uSave discount of $8.80 and ships UPS Ground for free to uSave members (a $6.95 value). Join or login during checkout.
Round wicking filter for use in some Vicks and Kaz humidifiers, 12 pack. For use with: Vicks Natural Mist Models V3100, V3500, V3600 and Kaz HealthMist Model 3020.
For the V3100 you will "flatten" the filter out. If you examine your original filter you will see that it, too, is a round filter.
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State of Conservation (SOC)
Angkor (1996)
Year: 1996
Danger List: Yes
Other Threats: Urgent problems of conservation
Document Source: WHC.96/CONF.202/02B,WHC.96/CONF.201/07A
Threats*:Human resources
States PartiesCambodia
ThreatsHuman resources(1)
* :
The threats indicated are listed in alphabetical order; their order does not constitute a classification according to the importance of their impact on the property.
Furthermore, they are presented irrespective of the type of threat faced by the property, i.e. with specific and proven imminent danger ("ascertained danger") or with threats which could have deleterious effects on the property's Outstanding Universal Value ("potential danger").
** : All mission reports are not always available electronically.


text:
Conifer 5+ Person Mountainsmith
Conifer 5+ Person Mountainsmith: With an interior 6'2" head height, and a whopping 83.5 sq ft of floor space, you'll forget you even left home.
Conifer 5+ Person Mountainsmith Specs:
- Three season flexibility
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- 6061 Aluminum J-Stakes (18)
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|Internal Dimensions
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Conifer 5+ Person Mountainsmith: This two door outdoor hotel will comfortably sleep two adults, three kids, and the family dog with ease. With an interior 6'2" head height, and a whopping 83.5 sq ft of floor space, you'll forget you even left home.
Conifer 5+ Person Mountainsmith: Step out onto the front porch vestibule and set up those lawn chairs because you've got 33 sq ft to work with; kick back and enjoy.
Conifer 5+ Person Mountainsmith: Add in the value of our removable canopy shelf, ample storage pockets and set-up instructions printed on the stuffsack and you've got a 3 season family tent that performs way beyond it's price tag.
In stock items will ship within the next business day. Available item(s) is/are available to order. Most available items will ship within 9 business days, sometimes the process is faster and of course it will ship to you ASAP. There might be some exceptions, example: supplier is out of stock or manufacturing delays. If you have any doubt your item is in stock please call us at 303-984-4649.
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5 Hottest Fall Makeup Trends You Can Rock To Class
Look fresh for fall with back-to-school beauty inspo from your fave celebs. These makeup trends are subtle enough for class, but will still make a pretty impact!
By Elizabeth Denton
Metallic Lids
A little sparkle makes your eyes look wide-awake so you'll look fresh for your first day! Brighten up your eyes with a light shimmer on your lids and the inner corners of your eyes, and finish with mascara. To keep glittery eyes from looking over-the-top for class, follow Kendall Jenner's lead and stick to pale pink lips, keeping the rest of your look natural.
Try: NYX Cosmetics Cream Shadow in Ice White, $5, nyxcosmetics.com


text:
iKey's flat panel monitors
- Category: Operator Interface Hardware
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- Manufacturer: IKEY Industrial Peripherals
Line of flat panel monitors is certified NEMA 4X for use in industrial environments exposed to dust, water, ice and corrosives. The FP15-PM and FP15-PMT models, each with a 15.1 in. display, offer resolutions of 1024 x 768. The FP15-PMT features a resistive touch screen. The larger models are the FP17-PM and the FP17-PMT (resistive touch screen models), with a 17.1 in. display, offer resolutions of 1280 x 1024. Each model has a stainless steel front bezel, 400 nits of brightness and a 40,000 hour backlight life.
iKey; 800/866-6506; www.iKey.com


text:
Revueflex AC-1
mit dem knackig scharfen Carl Zeiss Jena Tessar 2,8/50mmTaken by zark with a Revue AC1 loaded with Agfa Vista 200 film (available in our Online Shop) in hannover, Germany. These tags describe this photo: hannover, winter, m42, slr, 35mm, december, dezember, 2012, zark, jena, zeiss, carl, 200iso, vista, agfa, 50mm, 8, 2, tessar, ac-1, and revueflex. Date: 2012-12. This photo can also be found in the album 2013_01_02 : Tessar 2,8.
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Joe Leo named Head men's and women's coach
August 29, 2012
WILMINGTON – Wilmington College Athletic Director Terry Rupert is pleased to announce the hiring of Joe Leo as the head men's and women's tennis coach. He replaces Kara Grasty, who coached last season.
"We are pleased to bring someone with Joe's tennis experience to Wilmington College," said Rupert. "His ties to the Cincinnati area will help us attract players from that area. We believe with his passion for tennis and recruiting, Joe will have our tennis program headed in the right direction."
Leo comes to Wilmington after coaching at Maderia High School and before that, Kings High School. While at Kings, Leo coached players in sectionals, districts and the Ohio High School Athletic Association state championships. He has experiences in helping create and organize tennis draws, while recruiting teams for local matches and tournaments.
In addition to his high school experience, Leo is the Head Tennis Professional at Miami Hills Swim and Tennis Club. He manages the budget, teaches private lessions and has created events such as the Kid and Keeper, Skills Challenges and Round Robin tournaments.
"I have developed a lot of high school students and I wanted to take the next step," said Leo.


text:
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text:
I eat until I'm full, and then I take whatever happens to be left home. It is then promptly devoured within the next twelve hours, usually.
I eat until I'm full, and then I take whatever happens to be left home. It is then promptly devoured within the next twelve hours, usually.
[19:45] ♥Moloko Lynx♥: Flight sims would even suit you, Riz. You seem to have the sensibilities of an old man.Member since May 8, 2004.
I'm not a big fan of fries unless they're spiced Cajun style or something, so I generally leave most of those behind unless someone wants them. They let you sub in mashed potatoes which don't go with anything and chips which I like even less...but if I like them I definitely eat all of them
I like places that give you soup first. I likes me some soup.
There's usually too much food for me. I take whatever I don't eat home and let it sit in my fridge for a week before I eventually throw it out.
eat until you are satisfied.
pushing yourself further is wasting the food just as much as throwing it away because it's unhealthy to over eat.
Reading: Kafka on the Shore by Haruki Murakami
Last read: You Just Don't Understand!: Women and Men in Conversations by Deborah Tannen (A MUST READ), A Child Named "It" by Dave Pelzer (NOT BAD), A Dance With Dragons by GRRM (4.5/5)
Interested in why I picked these books, or want to recommend me some more? Just pm me. I love books.
well, when i know i'm going to a restaurant, i usually don't eat all that much the rest of the day. i never end up forcing myself to stuff food into my mouth or anything.
idunno, i guess i really like good food. this is why i need to do all that running ;P
I hate TALKING. to PEOPLE. about THINGS.