Citibank aka Citislime, is fattening the salaries of its employees and at the same time raising the interest rates on 15 million credit card customers. They are able to be so bold because the government has their back. If the increased credit card rates lead to higher default rates, the government will bail them out again. There is no risk to Citislime so they are pushing the envelope. Either way they will get their money, either directly from you the credit card customer, or indirectly from you the taxpayer.