Freakkin Out... Citi Possible Closure?!

[pip3man]

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@baller4life wrote:
Whoa glad it all worked out. I would have been scared to death as well. Geez

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lool I ain't someone who gets shaken easily at stuff but best believe this one took a heavy toll on me last night. sheesh I had a panic attack lol... I was more concerned about the fact that I could loose my only "Elite card" if that's safe to say especially the little travel benefits I get when flying with AA. Even though it's been resolved my only concern right now is that this may trigger them to keep a close monitoring on my account or prolly they just wanna lay low since I have a small balance ($476) on the card at the moment then once I pay it, they shut it down on me. I'm gonna attempt charging a small Starbucks ice tea on the card to see if it's really working. In the meantime, I guess this is a warning sign to redeem my unused 40k sign up bonus miles....

[pip3man]

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@Open123 wrote:

Glad it worked out for you, but certainly no need to be "scared," especially with some credit analyst.  In the end, though it may not seem like it at the time, Citi needs you more than you need them.

In my view, unless there's a compelling benefit for me (such as rewards and perks on the card), I really dislike having to explain or be questioned, especially from some CC credit analyst, whose CRs are likely less stellar than yours.

Best of luck!

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I do certainly agree with you on all that and it's crazy how I'm eager to have a continued business relationship whereas in the reality they should be the ones making extra efforts to maintain a relationship with their customer. But these days they really don't care... one customer out, another new one in so I'm imagining they would have a "we aren't loosing anything" kinda mindset. It's really terrible... and just like u, I can't stand having to explain something I do or being questioned by anyone regardless but in some situations u just gotta suck it up in order to achieve whatchu want. I'm not gonna conclude this is really over until I pay this remaining balance then I will see if they shut it down on me. In that doesn't happen then I will count my lucky stars. Very much appreciate ya kind message!

[destine2grow]

After reading what you posted OP I had a different moral of the story! Not that rep was wrong for bringing up the NPSL, her job is to educate you on the services and benefits of your cc. For me the moral of the story is to not go on an app spree and open up a lot of new account but also not to have more than one card maxed out. I am very happy it worked out in your favor!

[baller4life]

How about having ZERO cards maxed out? That's even better.

[Bman70]

So I guess "flexible spending" means you might or might not be able to use the card, lol. At least with Citi

I'm surprised you had to go through a CSR to reach concierge. With Barclay I call a direct concierge line and concierge answers. 

[pip3man]

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@Bman70 wrote:

So I guess "flexible spending" means you might or might not be able to use the card, lol. At least with Citi

I'm surprised you had to go through a CSR to reach concierge. With Barclay I call a direct concierge line and concierge answers. 

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LOL unfortunately that's what it turns out to be with Citi as per my finding last night which I think makes no sense if they gonna market it that way, oh well not like it's important to me... And yeah on MC website they said for concierge services, call the number on the back of your card which I did exactly and it turned out to be Citi. And even after the long wait to put me through them last night, they couldn't even get on the line... I'm still very curious to see how it works, as a matter of fact im gonna try calling right now and see if I can reach the service. U mentioned about Barclay, is it the Arrival or the Arrival+ cos I got the former??

[pip3man]

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@destine2grow wrote:
After reading what you posted OP I had a different moral of the story! Not that rep was wrong for bringing up the NPSL, her job is to educate you on the services and benefits of your cc. For me the moral of the story is to not go on an app spree and open up a lot of new account but also not to have more than one card maxed out. I am very happy it worked out in your favor!

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trust me good sir/ma'am that would be me in a perfect world but all fingers aren't equal... I'm glad u were able to take out a deeper moral of the story and thank you 

[Bman70]

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@pip3man wrote:

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@Bman70 wrote:

So I guess "flexible spending" means you might or might not be able to use the card, lol. At least with Citi

I'm surprised you had to go through a CSR to reach concierge. With Barclay I call a direct concierge line and concierge answers. 

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LOL unfortunately that's what it turns out to be with Citi as per my finding last night which I think makes no sense if they gonna market it that way, oh well not like it's important to me... And yeah on MC website they said for concierge services, call the number on the back of your card which I did exactly and it turned out to be Citi. And even after the long wait to put me through them last night, they couldn't even get on the line... I'm still very curious to see how it works, as a matter of fact im gonna try calling right now and see if I can reach the service. U mentioned about Barclay, is it the Arrival or the Arrival+ cos I got the former??

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I would look in the fine print of any papers you got. The concierge number for my Sallie Mae (World version) was in the Guide To Benefits booklet. Same with US Bank sig card. 

[H14]

+1 You should never have to go through customer service of your card to get to the concierge. They always have a dedicated and separate number. 

[pip3man]

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@H14 wrote:

+1 You should never have to go through customer service of your card to get to the concierge. They always have a dedicated and separate number. 

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I wasnt aware of that... I only went by the information listed on their website which was to "call the number on the back of ya card". Actually I just got to reach the personal concierge and I must say I'm really disappointed. Totally fell below my expectation!!! Simple question I asked she couldn't even provide a definitive answer, her accent!! holy crap couldn't even make a word out of it - dont know what country the call was outsourced to. I went through this whole Citi scare only to get this result smh. Oh well we learn everyday!!