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Does anyone have insight as to whether I might have any luck converting my TYP card to a Double Cash if I go to a local branch?
I've had the Forward (soon to be TYP) for 8 years; annual spend under 10K; always on time; have often carried a balance, have adequate other credit, and really don't give a hoot or holler if it's cancelled. I've been shot down online and on the phone for the product change.
Oh yeah - I'm really not a sock drawer kind of guy. Now at 7 cards, I feel as tho' I have too many (the others being Barclay Ring MC, Amex BCE, Discover it, BoA Travel Rewards V, Citizens Bank World MC, CSP V).
EQ | 841 | 5 INQ (Auto, CC, HELOC, 2 mort) | 7y2m |
EX | 812 | 5 INQ (2 CC, 2 mort, HELoan) | 6y11m |
TU | 829 | 4 INQ (3 CC, 1 mort) | 6y6m |
5/24 | 3/12 | AoYA 0m | AoOA 23y6m | ~3% |
What did the telephone rep tell you about PC options?
@Anonymous wrote:What did the telephone rep tell you about PC options?
That there weren't any.
EQ | 841 | 5 INQ (Auto, CC, HELOC, 2 mort) | 7y2m |
EX | 812 | 5 INQ (2 CC, 2 mort, HELoan) | 6y11m |
TU | 829 | 4 INQ (3 CC, 1 mort) | 6y6m |
5/24 | 3/12 | AoYA 0m | AoOA 23y6m | ~3% |
@expatCanuck wrote:
Oh yeah - I'm really not a sock drawer kind of guy. Now at 7 cards, I feel as tho' I have too many
I admire that attitude. Very rare around this forum.
Two representatives have told me there is a 12 month clock between conversions (even forced conversions ie. Forward -> TYP).
Once I receive the TYP card, I'll be calling back and asking for a manager. Maybe explaining how they'll receive zero revenue for a year while the TYP sits in my sockdrawer or receive lots of swipe fees if I can convert to a Costco Anywhere.
Thanks, folks.
The way forward (pun unintended) is clear. Pay the balance down to zero (already no-fee 0% BT'd most of it), see that it reports as zero, and close it.
That was easy.
EQ | 841 | 5 INQ (Auto, CC, HELOC, 2 mort) | 7y2m |
EX | 812 | 5 INQ (2 CC, 2 mort, HELoan) | 6y11m |
TU | 829 | 4 INQ (3 CC, 1 mort) | 6y6m |
5/24 | 3/12 | AoYA 0m | AoOA 23y6m | ~3% |
I edited my post. I want to convert the TYP to a Costco Anywhere. I would actually use that card.
@expatCanuck wrote:Thanks, folks.
The way forward (pun unintended) is clear. Pay the balance down to zero (already no-fee 0% BT'd most of it), see that it reports as zero, and close it.
That was easy.
So ... I called up Citi to make sure that, as I'd fully paid the December statement, there'd be no trailing interest assessed, and a zero balance would be reported to the bureaus as long as I paid for all new purchases before the statement cut. Confirmed.
Then, just for kicks (and confident that I knew the answer), I advised that I wouldn't be activating the TYP and asked whether there was any possibility of converting to the Double Cash card. And the rep said ( ... wait for it ... ), "Yes, as a valued customer, you are eligible for that conversion."
Maybe they saw the (recently, marginally) improved EQ score? Color me confused.
The moral of the story is that the story ain't got no moral. (Will it go 'round in circles ... .)
Postscript: It's possibly worth noting that my prior calls and chat sessions were almost certainly handled by employees in an offshore call center; I'm confident that this most recent call was handled by someone employed in the lower 48.
EQ | 841 | 5 INQ (Auto, CC, HELOC, 2 mort) | 7y2m |
EX | 812 | 5 INQ (2 CC, 2 mort, HELoan) | 6y11m |
TU | 829 | 4 INQ (3 CC, 1 mort) | 6y6m |
5/24 | 3/12 | AoYA 0m | AoOA 23y6m | ~3% |