Reply
Frequent Contributor
Posts: 273
Registered: ‎01-01-2013
0

Citi Forward Student PC

I called the EO # first and the guy was mad because I didn't call the number on my card for a product change.  Then, I called the CSR and they said that the card is not eligible to PC. Tried secure message and they reply with we don't deal with PC. Has anyone got any luck with PCing this card? Btw, Citi has a extremely terrible CS. 

$5k$4.5k$2.8k$8k$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
Valued Contributor
Posts: 8,365
Registered: ‎10-21-2012
0

Re: Citi Forward Student PC


CredittotheMax wrote:

I called the EO # first and the guy was mad because I didn't call the number on my card for a product change.  Then, I called the CSR and they said that the card is not eligible to PC. Tried secure message and they reply with we don't deal with PC. Has anyone got any luck with PCing this card? Btw, Citi has a extremely terrible CS. 


Citi student cards are very rarely PC's.  In previous times they used to have a much more fleixible policy but nowadays it's even somewhat difficult to PC even between some of their mainline/elegible products.  If you have already engaged the EO or retention team and they won't budge, then it is what it is ... their student cards as a general rule don't traditionally PC to their mainline suite of CCs.

Frequent Contributor
Posts: 273
Registered: ‎01-01-2013
0

Re: Citi Forward Student PC

Does that mean I have to close it after I graduate because I don't want to have a student card when I'm not. 

$5k$4.5k$2.8k$8k$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
Moderator
Posts: 8,261
Registered: ‎01-15-2009
0

Re: Citi Forward Student PC

I guess I was stupid then to PC a Dividend to Forward.. lol wonder if eventually they will let me go back as I thought this one had 5% on Amazon and it doesn't. :smileysad:
Super Contributor
Posts: 10,262
Registered: ‎04-22-2013
0

Re: Citi Forward Student PC


CredittotheMax wrote:

Does that mean I have to close it after I graduate because I don't want to have a student card when I'm not. 


You certainly don't have to close it when you graduate.   Really the student cards are somewhat similar to the different sign-up offers you can get.  It matters that you are a student when you GET the card (and not always then!) but afterwards you just continue with the features you were given.

 

Which raises the question:  are you getting 5x on entertainment with this card or just the new 1x?   If 5x, you REALLY want to keep the card for as long as you can, until the change the terms!

Super Contributor
Posts: 10,262
Registered: ‎04-22-2013
0

Re: Citi Forward Student PC


KennyS2006 wrote:
I guess I was stupid then to PC a Dividend to Forward.. lol wonder if eventually they will let me go back as I thought this one had 5% on Amazon and it doesn't. :smileysad:

When was this?  After or before the card was marked as 1x on the site?

Frequent Contributor
Posts: 273
Registered: ‎01-01-2013
0

Re: Citi Forward Student PC

I think i might be still getting the 5x. I just did a test purchase on amazon to see if I am still getting the 5x points. But, what i was saying is that i dont want a card that reported as a student card on my credit report when I'm like 40.

$5k$4.5k$2.8k$8k$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
Frequent Contributor
Posts: 271
Registered: ‎02-10-2013
0

Re: Citi Forward Student PC


CredittotheMax wrote:

I think i might be still getting the 5x. I just did a test purchase on amazon to see if I am still getting the 5x points. But, what i was saying is that i dont want a card that reported as a student card on my credit report when I'm like 40.


Student cards are not reported as "student card" on credit reports. Actually, credit reports don't say what specific card product you have, it only has the bank name and account number. 

Valued Contributor
Posts: 8,365
Registered: ‎10-21-2012
0

Re: Citi Forward Student PC


Dubious wrote:

CredittotheMax wrote:

I think i might be still getting the 5x. I just did a test purchase on amazon to see if I am still getting the 5x points. But, what i was saying is that i dont want a card that reported as a student card on my credit report when I'm like 40.


Student cards are not reported as "student card" on credit reports. Actually, credit reports don't say what specific card product you have, it only has the bank name and account number. 


+1

 

Only certain products have a reporting sub-category on CRAs, such as some secured cards.  But, as far the "student" designation, that is more of an internal product coding on their system.

Super Contributor
Posts: 10,262
Registered: ‎04-22-2013
0

Re: Citi Forward Student PC


FinStar wrote:

Dubious wrote:

CredittotheMax wrote:

I think i might be still getting the 5x. I just did a test purchase on amazon to see if I am still getting the 5x points. But, what i was saying is that i dont want a card that reported as a student card on my credit report when I'm like 40.


Student cards are not reported as "student card" on credit reports. Actually, credit reports don't say what specific card product you have, it only has the bank name and account number. 


+1

 

Only certain products have a reporting sub-category on CRAs, such as some secured cards.  But, as far the "student" designation, that is more of an internal product coding on their system.


And even if it did report, I would guess the benefits outweigh any perceived impact that would have.    But as it idoesn't report that way, doesn't matter!

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.