i may be wrong...but did you really mentioned citibank as your dream company !
my god !....citibank is the worst bank in the market.
once one agent gave me a city bank credit card freely....after that i had a bad experience.....their customer care is the worst....keeps on sending bills and bills ....after that i decided "NO CREDIT CARD" .
ahh....i like ICICI bank's service...they are good,fast,secured and professional.
BTW, their charges are bit high .....i was thinking to get a home loan...i found they have 10.75% ROI !!! where as HDFC 9.00 % only
Anyway, i can dream citibank only in my bad dreams.