I had an advertisement for a mortgage refinancing sent to me by Citigroup via UPS. [View all]

[Skidmore]

We don't get much by way of traffic out here in the boonies so I was immensely surprised when I answered the doorbell yesterday to find the UPS man and to be presented with an envelope from Citibank. Our mortgage is held through Citimortgage after being sold several times over the years to various financial institutions. I wondered how many others were sent similar missives in this manner. We don't plan to refinance now with having a lot going on but, if we were, would chose some other institution.

Anyway, the peculiarity of the delivery made me wonder how desperate Citibank is for business these days.