i am recieving calls from client services regarding two credit cards i had, one was a shell master card and the other was a home depot card, both held by citibank. the total of the 2 cards is $305.00. medical problems and bills prevented me from paying them. citibank also canceled my shell card for no reason. it was aways paid in full every month. my question is i can client services contact my friend about the shell card.? she was a AU, not the primary account holder. she also was not on the home depot card.