Citibank Credit Card Unpaid Balance (12 years ago)

Sir:

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.

Please advise.

jomakimhut

it's probably too late for them to initiate a complaint, but i wouldn't recommend getting another card from them