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I literally could not believe my eyes this morning. I had to read the press release three times just to make sure I had it right!

Citi Cards has announced that they are no longer going to voluntarily change interest rates on consumer credit cards according to the industry standard "any time, any reason" criteria. That means that a Citi credit card user will only see their APR and fees adjust when the card expires and is replaced every two years. They&39;re also doing away with the Universal Default Clause on their accounts but the standard default rates apply for customers who make late payments or go over the limit.

Are you rubbing your eyes yet? This change is a major shift for a credit card issuer. Over the past few years it has become common to see credit account rates and terms changing every 30-days or so to respond to prime rate fluctuation or new information on your credit history. Now, at least you know that your rates will be locked in for a few years.

For voluntarily adopting these changes to the way credit card rates are adjusted, CreditBloggers.com is awarding Citi Cards with our high-coveted and rarely-granted blue ribbon "Thank You" award:

Keep up the good work, Citi. We&39;ll be watching! And happy Friday to the rest of our readers!