I used to have a credit card with Citibank 12 years ago. When I lost my job, I was unable to pay the balance of my credit and I only responded that I will pay them by the time I am able to. Unfortunately, I was not able to pay back the balance I owed and Citibank also stopped sending me letters from their lawyer.
Now, there is a Citibank agent who is again offering me a Citibank credit card but I told her I already stopped because of previous scenario? Is she telling the truth? I was advised previously that they (Citibank) can no longer file charges against me due to the long time that has passed.