perhaps the most unconvincing piece of spam i've received to date. if you're going to swindle someone, you should at least use good grammar and avoid excessive drama.

Dear Citibank customer,
We've upgraded our service so you can schedule fund transfers. And with our improved Bill Pay, you can now pay bills on one screen. We will require all Citibank customers to signup for this, please fill in your card information now to avoid extra upgrade fees being withdrawn from your account later on.

* ALL CITIBANK CUSTOMERS ARE REQIRED TO ACTIVATE BILL PAY *

Click on the link below to active Bill Pay:
Activate Bill Pay