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Citi TYP -> DC || SUCCESS

Regular Contributor

Citi TYP -> DC || SUCCESS

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).

Gardening 'til that miserable 30-day late drops in Q1 2019 ... and my 'New Credit' FICO component crawls out of the gutter.


2019 Goal: 800+
2018 Goal: return to or exceed the 750+ scores of my more fiscally responsible 2010 self

EQ7516 INQ (3 CC, 2 mort, 1 car)
EX7237 INQ (3 CC, 2 HELoan, 2 mort)
TU7895 INQ (3 CC, 2 mort)
4/24 < 9% AAoA 8y 2mo
Message 1 of 13
12 REPLIES
Valued Contributor

Re: Citi TYP -> DC | better luck in branch?

What did the telephone rep tell you about PC options?

Message 2 of 13
Super Contributor

Re: Citi TYP -> DC | better luck in branch?

Citi has always refused to PC the forward. I’d wait until it converts officially to TYP and then call. A trip to the branch won’t help at this time IMO.
Message 3 of 13
Regular Contributor

Re: Citi TYP -> DC | better luck in branch?


ABCD2199 wrote:

What did the telephone rep tell you about PC options?


That there weren't any.

Gardening 'til that miserable 30-day late drops in Q1 2019 ... and my 'New Credit' FICO component crawls out of the gutter.


2019 Goal: 800+
2018 Goal: return to or exceed the 750+ scores of my more fiscally responsible 2010 self

EQ7516 INQ (3 CC, 2 mort, 1 car)
EX7237 INQ (3 CC, 2 HELoan, 2 mort)
TU7895 INQ (3 CC, 2 mort)
4/24 < 9% AAoA 8y 2mo
Message 4 of 13
Established Contributor

Re: Citi TYP -> DC | better luck in branch?


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.

In my wallet: Chase Sapphire Reserve • PenFed Power Cash Rewards
Also have: Chase United MileagePlus Explorer • UNFCU Azure • NFCU cashRewards • NFCU Go Rewards • PenFed Promise
Message 5 of 13
Valued Member

Re: Citi TYP -> DC | better luck in branch?

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. Smiley Wink


Goals: FICO of 800+; Costco Anywhere Visa
Garden Club Member: 12/2017 until 12/2018
As of 12/2017: EX98 763 | EX08 741 | TU08 762 | EQBank08 758
Message 6 of 13
Senior Contributor

Re: Citi TYP -> DC | better luck in branch?

It's doubtful that if you convey the "zero revenue" statement that it's going to get them riled up to convert your account. This process is systematic if the account provides such option.

As an aside, if you're going to be using your Costco instead of the TYP as far as swipes, you're still contributing to Citi's bottom line.

As some have mentioned already, wait for the PC to finalize from the Forward and then contact them after 45 days post-conversion to see if that option is available.
Message 7 of 13
Regular Contributor

Re: Citi TYP -> DC | better luck in branch?

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.

Gardening 'til that miserable 30-day late drops in Q1 2019 ... and my 'New Credit' FICO component crawls out of the gutter.


2019 Goal: 800+
2018 Goal: return to or exceed the 750+ scores of my more fiscally responsible 2010 self

EQ7516 INQ (3 CC, 2 mort, 1 car)
EX7237 INQ (3 CC, 2 HELoan, 2 mort)
TU7895 INQ (3 CC, 2 mort)
4/24 < 9% AAoA 8y 2mo
Message 8 of 13
Valued Member

Re: Citi TYP -> DC | better luck in branch?

I edited my post. I want to convert the TYP to a Costco Anywhere. I would actually use that card.


Goals: FICO of 800+; Costco Anywhere Visa
Garden Club Member: 12/2017 until 12/2018
As of 12/2017: EX98 763 | EX08 741 | TU08 762 | EQBank08 758
Message 9 of 13
Regular Contributor

Re: Citi TYP -> DC || Success


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."  Smiley Surprised

 

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 ... .)

 

f2dc.jpg

 

 

 

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.

Gardening 'til that miserable 30-day late drops in Q1 2019 ... and my 'New Credit' FICO component crawls out of the gutter.


2019 Goal: 800+
2018 Goal: return to or exceed the 750+ scores of my more fiscally responsible 2010 self

EQ7516 INQ (3 CC, 2 mort, 1 car)
EX7237 INQ (3 CC, 2 HELoan, 2 mort)
TU7895 INQ (3 CC, 2 mort)
4/24 < 9% AAoA 8y 2mo
Message 10 of 13