PC'ing to Citi Double Cash strategy?

[Anonymous]

What I was told, I called last month, is that a PC from DP to DC is possible anytime after your 0% intro is over. So its not a year but however long your intro APR lasts. Call in, no hoops.

[longtimelurker]

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@Anonymous wrote:

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@kdm31091 wrote:
Theres no guarantee a DP would give you a significantly better limit so the strategy is basically a gamble.

If you really want a high limit DC, garden, grow your profile, app, and take a 2nd HP if needed to get a useful limit. Unless you are constantly apping one extra HP is no big deal. And you also wont have to be stuck with a fairly useless card for a year in the meantime. This strategy isnt worth the time or effort or chance. Just app for what you want.

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^^^ This 100% ^^^

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Yes.    And people should also evaluate if they really need large limits on the DC (apart from the constant desire here for large CLs).   With a good set of cards, "other" spend can be fairly small

[Anonymous]

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@longtimelurker wrote:

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@Anonymous wrote:

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@kdm31091 wrote:
Theres no guarantee a DP would give you a significantly better limit so the strategy is basically a gamble.

If you really want a high limit DC, garden, grow your profile, app, and take a 2nd HP if needed to get a useful limit. Unless you are constantly apping one extra HP is no big deal. And you also wont have to be stuck with a fairly useless card for a year in the meantime. This strategy isnt worth the time or effort or chance. Just app for what you want.

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^^^ This 100% ^^^

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Yes.    And people should also evaluate if they really need large limits on the DC (apart from the constant desire here for large CLs).   With a good set of cards, "other" spend can be fairly small

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That's surprisingly true. My DC is indispensable, no doubt, but I do find that about 85% of my spending falls in some category that gives me a higher cashback return on another one of my cards.

[Open123]

Well, if Citi allowed PCs, then one would simply app for the 50K TY Preferred Premier with 1st year fee waived, then just change to the DC.  Voila, create a $500K signing bonus for the DC.

[Anonymous]

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@Open123 wrote:

Well, if Citi allowed PCs, then one would simply app for the 50K TY Preferred Premier with 1st year fee waived, then just change to the DC.  Voila, create a $500K signing bonus for the DC.

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You sir, are a genius. One of the smartest comment, I saw on myfico in a while.

[Anonymous]

Eh I just took the double pull on the app (eq/ex) and got approved for 5k or 6k I don't remember then took another HP to increase to 15.  Going to try for a SP increase next month I think.

[Anonymous]

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@Anonymous wrote:

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@Open123 wrote:

Well, if Citi allowed PCs, then one would simply app for the 50K TY Preferred Premier with 1st year fee waived, then just change to the DC.  Voila, create a $500K signing bonus for the DC.

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You sir, are a genius. One of the smartest comment, I saw on myfico in a while.

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lol i said the same thing previously

[Anonymous]

TY Premier is a pretty good card though

[Anonymous]

Jfriend, sorry I missed your post. You are the og genius. I gave u two kudo.

[Anonymous]

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@kdm31091 wrote:
Theres no guarantee a DP would give you a significantly better limit so the strategy is basically a gamble.

If you really want a high limit DC, garden, grow your profile, app, and take a 2nd HP if needed to get a useful limit. Unless you are constantly apping one extra HP is no big deal. And you also wont have to be stuck with a fairly useless card for a year in the meantime. This strategy isnt worth the time or effort or chance. Just app for what you want.

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KDM has a valid point. Even if you start with a low SL, Citibank can be very generous with CLIs.