<p>If anyone else out there uses a Citibank Upromise credit card… just keep carefully checking your statements for finance over-charges. Received my new statement today and noticed they charged interest on my whole balance due (which was large, because I paid my son’s summer tuition/housing on it last month), instead of on just the $200 that was a carried-forward balance. I called the Customer Service, and he immediately credited the whole finance charge without argument - no explanation.</p>