Reply
Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
0

Re: Citi Thank You Preferred CC

Call recon again. You may have better luck with different people.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Regular Contributor
SocalMark
Posts: 151
Registered: ‎06-09-2009
0

Re: Citi Thank You Preferred CC

That's just wrong and Yes I would call again...But congrats on the Great scores. :smileyhappy:

Frequent Contributor
dookdig
Posts: 332
Registered: ‎04-08-2011
0

Re: Citi Thank You Preferred CC

Regarding program rule for Fidelity amex,

 

Establishing, maintaining or funding an account with (or any other relationship with) Fidelity Brokerage Services LLC or any affiliate of Fidelity Brokerage Services LLC (collectively, "Fidelity" or "Fidelity Investments") is not required to obtain a Card or to be eligible to use Points to obtain any of the rewards offered under the Program other than the Fidelity Rewards (as further described and defined herein). Because eligibility requirements for obtaining a Card and opening a Fidelity account may differ, neither FIA Card Services, N.A. nor Fidelity can provide you any assurance that you will be able to establish a Fidelity account to receive Fidelity rewards

 

 

 

another quote from program rule,

 

Cash Rewards

Cash Rewards are different from Fidelity rewards. Cash rewards may be made at a lower redemption rate than Fidelity rewards. If you have a Fidelity account please refer to the Fidelity rewards section if you are interested in learning how to redeem points for deposits into that account.

 

Redeem Points for a variety of cash rewards either at the Site or by telephoning us.

A cash reward shall be issued in the form of a check for a predetermined U.S. dollar sum in the form of a check or an electronic deposit to a checking or savings account of your choice.

 

 

 

But is it really lower than Fidelity awards?

 

Currently available cash rewards and their respective Point requirements are:

2,500 Points = $12.50 Cash Reward ---> 1%

5,000 Points = $25 Cash Reward     

7,500 Points = $37.50 Cash Reward

10,000 Points = $80 Cash Reward    --->  1.6%

15,000 Points = $120 Cash Reward

20,000 Points = $160 Cash Reward

25,000 Points = $250 Cash Reward  ---> 2% Redemption rate start from here at $12,500

35,000 Points = $350 Cash Reward

50,000 Points = $500 Cash Reward

 

 

Just don't redeem it until you get at least 25,000 points.

 

Valued Contributor
trumpet-205
Posts: 2,494
Registered: ‎11-11-2010
0

Re: Citi Thank You Preferred CC

[ Edited ]

Hmm.... I guess you are right about that. Except,

 

Unless you are a big spender, you won't reach 25000 points that fast AND,

Points expire after 5 years.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Frequent Contributor
dookdig
Posts: 332
Registered: ‎04-08-2011
0

Re: Citi Thank You Preferred CC

Best return on each category:

Grocery: Blue Cash Preferred 6%

Department Store: BlueCash Preferred 3%

Restaurants:  Citi Forward 3.3%

Gas: Penfed 5%

Chase Freedom+Discover More to get 5% on many rotating categories as possible

Fidelity Amex: 2% on any categories not mentioned above

Maybe another card to get better travel rewards than 2% Fid Amex?

 

Basically, these 6 cards would seal the deal for me.

Frequent Contributor
dookdig
Posts: 332
Registered: ‎04-08-2011
0

Re: Citi Thank You Preferred CC

spend 12500$ in 4 years( 260$/month)  wouldn't be too hard just don't forget to redeem it at that point. :smileytongue:

Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Citi Thank You Preferred CC

[ Edited ]

I did a second recon and guess what????

 

APPROVED!!!! I guess the first guy I talked to either did not feel like going thru the hassle, or just did not know what to do.

 

I called back and got this very sweet woman, told her the situation, she asked if she could put me on hold for like 2-3 minutes, I said sure, she came back and said I was able to get you approved after talking with her supervisor. She cared about me as a potential customer and went the extra step, and got me approved.

 

I have to thank the two of you (trumpet-205 and Social Mark) who told me to call back because, I believed what the first guy told me "There was nothing that could be done and nothing he could do" so THANK you guys for that!!!!!

 

I was given a 2000CL, smaller than I had hoped for, but I'll take it, and I'm happy with that for now. I know this card will grow with me.

 

HA!!! Recons really work!!!!!!!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Regular Contributor
SocalMark
Posts: 151
Registered: ‎06-09-2009
0

Re: Citi Thank You Preferred CC

I just love Happy Endings. :smileyhappy:

Valued Contributor
Mustanglvr2006
Posts: 1,971
Registered: ‎02-06-2011
0

Re: Citi Thank You Preferred CC


SocalMark wrote:

I just love Happy Endings. :smileyhappy:


So do I :smileyvery-happy:
So do I!!!!!
Thanks again Social Mark, I'm glad I called back.

 


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Valued Contributor
clocktick
Posts: 1,603
Registered: ‎12-07-2008
0

Re: Citi Thank You Preferred CC

Haha, congratulations!  That card is on my list to get at some point.  Congrats on getting the CO removed that's not yours (I know the feeling).  Woo hoo!

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}