Vikram Pandit, chief executive of Citigroup Inc., thanked taxpayers the other day for coming to his company’s rescue with $45 billion in bailout cash.

“Citi owes a large debt of gratitude to American taxpayers,” he told lawmakers in Washington. The bailout money, Pandit said, “built a bridge over the crisis to a sound footing on the other side.”

And how is Citi expressing its gratitude for that act of taxpayer generosity?

It’s slapping a $60 annual fee on many credit cards that previously had no fees and telling customers that if they don’t like it, tough patooties. They can pay off any outstanding balance and take their business elsewhere.