Is Citi 1.99% offer frequent?

elim · ‎09-28-2016

I just received this offer email for my existing HHonors card. Are these offers frequent? I would really like it if I had a usable limit.

1.99%
Promotional APR
on all purchases
until 6/1/2017.

Anonymous · ‎09-28-2016

my GOD .. haha TAKE IT !

Anonymous · ‎09-28-2016

CAn you explain to use your data points .. which could explain how you were targetted for this offer?

SunriseEarth · ‎09-28-2016

I got that same offer on my Double Cash. I haven't taken it, since my BBR has 0% for the next 11 months or I could use Blispay for 6 months deferred interest. My standard APR is insane on the DC. Does anyone know if you can have your permanent APR lowered while you have a promotional APR?

Anonymous · ‎09-28-2016

@SunriseEarth wrote:
Does anyone know if you can have your permanent APR lowered while you have a promotional APR?

They will tell you to wait until the promotional APR expires.

wasCB14 · ‎09-28-2016

AA Platinum: Opened Jan 2016, got a 5.99% offer in July.

Prestige: Opened May 2016, got a 1.99% offer today.

PIF on both. I only carry at 0%.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE
SUB chasing: AA Platinum Select

elim · ‎09-28-2016

@Anonymous wrote:
CAn you explain to use your data points .. which could explain how you were targetted for this offer?

Datapoints...

The card is 6.5 months old.

I met the spend in 2 transactions and PIF'd

I have spent $50 on the card every other month since.

I run 2k-3k through my Chase cards and 1k through a few others.

I sometimes have a balance that continues the following month but usually no more than 2 months before I let a statement cut with $0 on a card.

Clean EX and EQ, 2010 13k open fed lien on TU.

Scores are a little lower than in siggy. (710-750)

Anonymous · ‎09-28-2016

Yes. Here especially. 1.99% for 12 months on purchases. Then citi gets all weird if you ask them for an APR reduction because you are in a promotional period for purchases, and I say well the online account always lets you BT at the regular rate so if thats still there why cant it be reduced lol?

Anywho, take it, but ask for a perm apr reduction first.

NRB525 · ‎09-28-2016

@elim wrote:
I just received this offer email for my existing HHonors card. Are these offers frequent? I would really like it if I had a usable limit.

1.99%
Promotional APR
on all purchases
until 6/1/2017.

The low APR offers on spend are sent out periodically. I got one in late 2015 on my $1k limit Diamond Preferred, along with dining and movies 5% cash back. So I used it to run up a balance of $400 - $500, get the 5%, then gradually pay off the balance with the low APR.

Use it as a chance to pay a small bit of interest, to show you like the offer, and with luck your CL will increase and the usefulness of the next low APR offer may be better.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Anonymous · ‎09-28-2016

If I opted out of promotional offers via the online thing, does that also make me ineligible to get these offers from creditors I already have accounts with?