I was on the road last week and when I returned, I realized that my MasterCard payment was due on Monday.  I had recently added a new back to the automatic transfer system and for some reason, it take 5-7 business days to get that link working.

So, I decided to just call them and may a payment by check over the phone, from my new bank account.

"No problem," they said.  "There will be a transaction fee of $14.95."

I laughed, thought a few evil thoughts about CitiGroup and went ahead with it.

So let me repeat back to you what I heard from the customer service rep:

"We are going to charge you $15 to take your money, because either A) you're costing us money by calling our 800 number; or B) we don't actually like you."

Did I mentioned that it cost me $15 extra to pay them money that I owed them?