After a call to Citibank, I now have my old interest rate back! After it was pointed out that what they had done was no longer legal, and that no, I did not get a notice mailed to me in December with my statement because I get PAPERLESS statements and that was impossible, the completely unexpected happened...they gave me back my 15% interest rate AND said they would credit back the extra interest I had already paid.

Well, I guess there's something to be said for getting a card from a reputable company after all. Something like this never would have happened with my old cards from 1st Financial or HSBC (well, the part where they would try to screw me over would have happened, but not the second part where they actually fixed it).

So things are looking up today ^_^