Instead, she was directed to the debt management program of the nonprofit Consumer Credit Counseling Service, part of Money Management International.

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JPMorgan is one the largest and most diversified banks in the U.S., and offers services such as retail banking, commercial banking, asset management, investment banking, consumer lending and credit cards.

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JPMorgan Chase is one the largest and most diversified banks in the U.S., and offers services such as retail banking, commercial banking, asset management, investment banking, consumer lending and credit cards.

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Debt-management firms have to be licensed under the Consumer Credit Act in order to offer their services to people who have serious debt problems.

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"Margins on gasoline sales are already so razor-thin they can't offer you 50% off like a clothing store could, " says John Ulzheimer, president of consumer education for SmartCredit.com, a money-management and credit website.

WSJ: Gas Credit Cards Offer Few Rewards

Through Citicorp and Citi Holdings, Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services and wealth management.

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