Apparently I Sued Citibank

My latest Citibank Visa bill includes a credit for 73 cents, my share of the "SCHWARTZ SETTLEMENT REFUND." As a reader of Overlawyered.com noted last month (along with many other people who scrutinize credit card bills faster than I do), the money comes from an $18 million fund created to settle a class action lawsuit challenging Citibank's 10 a.m. deadline for payments. The refunds ostensibly are compensation for inappropriate late fees, but a Citibank recording explains that it was impossible to allocate the money with any precision and that qualifying customers generally received less than a dollar. The lawyers got $9 million.