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Yes this is where I have concerns as well. While banks are banks, there are some banks that are less upfront than others. (See some of the discussion regarding Redicredit facility fees etc).

If Citibank did not forsee the need to raise the fee exemption threshhold (by 12 times) you would think that they would only apply the exemption at the higher rate to new customers. Or absorb it and fire the staff member who originally did the calculations to work out the $500 per month was...