Reopening a Citi Card

[kdm31091]

Ok, I know I am obviously spending way too much time on here, haha because I am definitely starting to overthink things, but..

I had a Citi Double Cash card. Opened it back in December. I closed it because I wasn't fond of the 1+1 concept although I usually PIF, but also the APR was ridiculous 22.99 if I did have to carry a balance. I have a Quicksilver for general spend and love it, and wouldn't close it, at least keep it for backup in case Citi does nerf DC, but I am starting to think I should see about reopening the DC to replace my Amazon Visa.

People sing the praises of Chase, but I am not seeing it, other than moving limits around. They flat out refuse to lower my APR, which is 22.99; with Citi I hear you at least have a chance. Also Chase isn't good with CLI's, so I feel like I will be stuck with the same limit forever. The limit is plenty anyway but that's not the point - it's just the fact that they should want to grow with you at some point.

Now, I have two problems. I would have to convince Citi to reopen the account -- it hasn't been closed all too terribly long, maybe three weeks -- and I'd have to see about a lower APR. My score has increased by about 30 points since I got the DC because I paid off my Discover. I am afraid they would want a new HP, but if it wins me a good low APR it may be worth it. The only reason I want to do this is because I feel like Citi is better about giving you a chance with APR reductions and CLI's, if not immediately than eventually. My Amazon Visa does give 2% dining, but DC gives 2% anywhere so the only benefit I am really losing is Amazon rewards which is covered with my Sallie Mae anyway.

Thoughts? Suggestions? Should I just wait and reapply for DC at some later date?

[Anonymous]

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@kdm31091 wrote:

Ok, I know I am obviously spending way too much time on here, haha because I am definitely starting to overthink things, but..

I had a Citi Double Cash card. Opened it back in December. I closed it because I wasn't fond of the 1+1 concept although I usually PIF, but also the APR was ridiculous 22.99 if I did have to carry a balance. I have a Quicksilver for general spend and love it, and wouldn't close it, at least keep it for backup in case Citi does nerf DC, but I am starting to think I should see about reopening the DC to replace my Amazon Visa.

People sing the praises of Chase, but I am not seeing it, other than moving limits around. They flat out refuse to lower my APR, which is 22.99; with Citi I hear you at least have a chance. Also Chase isn't good with CLI's, so I feel like I will be stuck with the same limit forever. The limit is plenty anyway but that's not the point - it's just the fact that they should want to grow with you at some point.

Now, I have two problems. I would have to convince Citi to reopen the account -- it hasn't been closed all too terribly long, maybe three weeks -- and I'd have to see about a lower APR. My score has increased by about 30 points since I got the DC because I paid off my Discover. I am afraid they would want a new HP, but if it wins me a good low APR it may be worth it. The only reason I want to do this is because I feel like Citi is better about giving you a chance with APR reductions and CLI's, if not immediately than eventually. My Amazon Visa does give 2% dining, but DC gives 2% anywhere so the only benefit I am really losing is Amazon rewards which is covered with my Sallie Mae anyway.

Thoughts? Suggestions? Should I just wait and reapply for DC at some later date?

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Don't know till ya call.

[kdm31091]

Should I try the "retention department"? I am no longer technically a customer, but maybe they would want to bring me back? Or should I just try the regular EO?

[kdm31091]

No dice, they said a) to reopen it it would be a HP, and b) they can't do anything about the APR until the 0% runs out.

Fairly typical answers, but the point is I'm better off reapplying down the line to secure a better APR. I don't want to use a HP to reopen the account unless I know the APR is gonna be lower.

[Anonymous]

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@kdm31091 wrote:

No dice, they said a) to reopen it it would be a HP, and b) they can't do anything about the APR until the 0% runs out.

Fairly typical answers, but the point is I'm better off reapplying down the line to secure a better APR. I don't want to use a HP to reopen the account unless I know the APR is gonna be lower.

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Will they at least let you pick the bureau?

[kdm31091]

I didn't think to ask about that. My best score is TU and I never hear of Citi pulling them, usually EQ or EX.

[Anonymous]

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@kdm31091 wrote:

I didn't think to ask about that. My best score is TU and I never hear of Citi pulling them, usually EQ or EX.

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I'd ask.

[Anonymous]

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@kdm31091 wrote:

No dice, they said a) to reopen it it would be a HP, and b) they can't do anything about the APR until the 0% runs out.

Fairly typical answers, but the point is I'm better off reapplying down the line to secure a better APR. I don't want to use a HP to reopen the account unless I know the APR is gonna be lower.

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So, what did we learned form this, little grasshopper?  That no matter how complicated your life is, you can complicate it even more, with no problem?  Anything else?

[kdm31091]

I guess we learned you can not reopen anything with Citi without a HP!

And I learned I am really comitted to gardening, because the minute she said HP I said nope. lol

[Anonymous]

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@Anonymous wrote:

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@kdm31091 wrote:

No dice, they said a) to reopen it it would be a HP, and b) they can't do anything about the APR until the 0% runs out.

Fairly typical answers, but the point is I'm better off reapplying down the line to secure a better APR. I don't want to use a HP to reopen the account unless I know the APR is gonna be lower.

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So, what did we learned form this, little grasshopper?  That no matter how complicated your life is, you can complicate it even more, with no problem?  Anything else?

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The OP had something of a valid reason for closing the card, It sucks that they want an HP to re-open it.