07-21-2013 08:01 AM
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?
07-21-2013 09:45 AM
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.
07-27-2013 01:36 PM
07-27-2013 01:47 PM
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