Credit Card Center Advertiser Disclosure†
03-01-2013 12:42 AM
I tried searching about how Citi does PC but haven't found too much, but this seemed interesting:
"Citi will report a new tradeline but report it as opened on the original date of the tradeline it's replacing. It takes 45 days."
So if I PC from a Diamond Select (I think that's what it's called) to a Dividends card it will definitely become a new tradeline on my CR? I guess it's better that it will get the same start date as the tradeline it would be replacing, but since my account is only a year old that might not be a good idea to PC it since my AAoA will take a little bit of a hit.
Also, does anyone know how long (per the Credit Card Act) you have to wait for Citi (or any company) to do a PC (not Visa>MC type PCs)? I think Citi told me 11 months or something but I can't recall for sure.
03-01-2013 05:25 AM
I called and inquired about upgrading my Hilton Visa Gold to Reserve and was advised I had to wait at least 3 months.
03-06-2013 12:17 AM
Anyone else with any info s/he can share? Basically, does Citi open a new tradeline if you PC a card (for example, from a Diamond Preferred to a Dividends card)? And, how long do you have to wait to PC a card (based on the Credit Card Act)?
03-06-2013 06:43 AM
03-06-2013 08:46 PM - edited 03-06-2013 08:46 PM
Awesome, thanks for the info. Good to know that a Citibank card PC without a new TL is possible, hopefully it can happen to me also because the Diamond Preferred card is just lame.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.