I want the Citi Dividend card. However, I have a collection on my CR (only bad) with mid-700 scores. I'm concerned I will get denied, so planning on maybe getting Simplicity to convert to Dividend. thoughts?
Well I've heard that Citi doesn't like to PC TY point cards with cash back cards (and vice versa).
Not entirely sure how they'd like to convert a non-rewards card into one. If you're not carrying a balance and you're talking about the PC with them over the phone, maybe offer that you're willing to accept a higher APR? (assuming your APR on that card is already really low [12.99]). I guess it will depend on your spending history with them too.