Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 513
Registered: ‎12-07-2012
0

Will Citi convert a Staples credit card?

[ Edited ]

I apped for this card on a whim, got the 7 to 10 day message. I assumed I was declined, today the card shows up in the mail. I don't want it anymore. Will it affect my credit if I close it right away or can citi convert it to another type of card?

 

Edit: By the way they approved me for a credit limit of $651, what is with the $1

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Established Contributor
Posts: 513
Registered: ‎12-07-2012
0

Re: Will Citi convert a Staples credit card?

anybody?

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Senior Contributor
Posts: 3,975
Registered: ‎10-02-2012
0

Re: Will Citi convert a Staples credit card?

GOOD QUESTION BUT DO YOU MEAN LIKE IF YOU CAN DO A PRODUCT CHANGE TO ANOTHER CITI CARD?????


Banking with HSBC
No Credit Cards, No Mortgage, No Auto Loan. Starting Fresh.
Filed Chapter 7 Bankruptcy --/--. Discharged --/--/--
EX FICO ---, EQ FICO ---, TU FICO --- As of --/--/--, Gardening Since 01/01/16
Moderator Emeritus
Posts: 13,356
Registered: ‎12-30-2011
0

Re: Will Citi convert a Staples credit card?

I think you'll need to ask Citi directly on this; however, I would suspect they won't though I could easily be wrong.

 

Store cards are typically different than co-branded cards and PCing between them generally isn't possible is my understanding of it from the majority of lenders.

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


Take the myFICO Fitness Challenge
New Contributor
Posts: 54
Registered: ‎01-30-2011
0

Re: Will Citi convert a Staples credit card?

Doesn't hurt to call and try.

Highlighted
Valued Contributor
Posts: 1,437
Registered: ‎01-14-2009
0

Re: Will Citi convert a Staples credit card?

FYI, you get free shipping on ALL phone/online orders when paying with a Staples credit card.
Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008
0

Re: Will Citi convert a Staples credit card?

Have no idea at all about the $1...but if you've already received the card, don't close it.  Keep it.  Maybe use it a few times, and pay it off in full each and every month, on time.

 

Citi backs a large number of store cards, and in my experience, a good record on an existing store card gives you an automatic pass to acquire others.

 

They will not convert your Staples card to another card.

 

Good luck with everything!

Established Contributor
Posts: 513
Registered: ‎12-07-2012
0

Re: Will Citi convert a Staples credit card?


kevinjjc wrote:
FYI, you get free shipping on ALL phone/online orders when paying with a Staples credit card.

I'm an associate so I get the free shipping anyways lol.

Amex BCE $18,000 | BofA Power Rewards WMC $25,000 | Chase Freedom VS $15,000 | Chase IHG $1,000 | Discover It $7,900 | Local CU Visa $3,500 | PenFed Platinum Rewards VS $9,500 | Saks Store Card $3,000 | Saks WEMC $8,000
Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008
0

Re: Will Citi convert a Staples credit card?

Sorry!  I tried to answer your original question.

 

Mea culpa.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.