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The truth, of course, is more mundane: I had no idea that I borrowed $200 on March 11, and Citibank certainly never saw fit to inform me of the fact directly. Instead, they buried the details of the loan on page 5 of my (unopened) bank statement. Meanwhile, they quietly and automatically deducted those small minimum payments out of my checking account — payments which were small enough that I failed to notice them until this morning.
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