Background: I've had the Citi AA Visa for almost one year. I had used it quite a good deal for awhile and then decided to stop use as I had received other cards which had spend requirements and also had another Citi card which I switched spend over to. A couple notes: I have a $10k credit line and actually have no pre-set spending limit. I have another Citi card which has an even higher limit which I had not used in well over 6 months and then picked it up and started spending on it very quickly which encountered no fraud/security warnings. Task: I decided that I want to cancel the Citi AA card and Citi's Account Management offers up an $85 statement credit and 500 bonus miles/month for the next 16 months that I spend at least $500/month. I decide to keep the card and start spending on this card again. Card Use: I decide to buy a $500 item and get declined. I call up Citi and they claim it was blocked for fraud reasons. This is highly annoying as now I spend 10 minutes on my cell phone verifying all my personal information in a non-private setting to get my card approved for spend again. The incompetence of Citi is first seen when they ask me for my cell phone number. This would be a valid question if it wasn't for the fact that it's the same one that I put on the application, which is the same one that I activated the card from as well as the same one I'm calling them from to remove the fraud warning. I decide to give feedback to a manager in the security/fraud group at Citi explaining how this defeats the purpose of carrying their credit cards. Since I had picked up using another Citi card which I hadn't used for well over 6 months and encountered no fraud/security warnings, I find it highly odd that starting to use my Citi AA card after maybe 3 months of non-use would garner this problem. So I make my purchase and walk out the door. Later the same day, I all of a sudden receive 2 emails and 2 text messages from Citi fraud department. I ignore them because I assume that they have their act together and these are just automatically sent from when the card was first declined. 1 day later, I get an automated phone call. Again, I ignore it because I assume this is automated again based on the original decline. Now 2 days later, I get another automated phone call. I know this is incompetence on the part of Citi but I call them back just because I need to stop them from further harassing me. I first talk to Customer Service and they say, yeah, I only see the one charge, not sure why they are continuing to call you about this. Now you know it's bad when a 1st level Customer Service Representative is able to identify how poor the operations in the Fraud/Security department are. Anyways, I get transferred to Fraud/Security and promptly got hung up on. At this point, I'm interested in seeing how much further Citi will hassle me on this before I close my account. IMHO, you're better off just getting the Citi AA cards for the sign-up bonus ONLY because keeping the card (even with an okay retention bonus) just isn't worth the hassle.