Fuck You Citibank

Given the current state of everything, I, being a retard, thought I did the right thing by closing my account last April (2008) because the terms were changing. Given the option to opt out of the new terms of the first "bailout" increase in APR, I took it and was advised my APR would not change. And Fuck YOU Citibank again. Now because I am a dumb, clearly retarded individual, my monthly minimum payment is greater now than when I closed the account almost a year ago. What is fucking wrong with this fucking scenario? Oh, right, it's because I'm a poor, fucked, retard. Thanks and keep fucking peeps Citibank! Way to go DOUCHEBAGS of the Century!!!