topic Re: Has anyone ever had Citi change cards for them? in Credit Cards

Has anyone ever had Citi change cards for them?

PCR20 — Sun, 08 Feb 2015 23:49:42 GMT

I have had a Citi AAdvantage Card since 2007.

I used tro travel a lot on AmericanAir so it made sence.

Now I don't travel very often so I don't need the benifits nor the higher Interest Rate (15.24%)

I see that according to thier pre-qualify page, I am good to go with their Diamond Card at 11.99%

My question: Has anyone ever had them switch a card, and does it involve a Hard Pull?

Re: Has anyone ever had Citi change cards for them?

happypill — Sun, 08 Feb 2015 23:58:08 GMT

@PCR20 wrote:
I have had a Citi AAdvantage Card since 2007.
I used tro travel a lot on AmericanAir so it made sence.

Now I don't travel very often so I don't need the benifits nor the higher Interest Rate (15.24%)
I see that according to thier pre-qualify page, I am good to go with their Diamond Card at 11.99%

My question: Has anyone ever had them switch a card, and does it involve a Hard Pull?

Recently Citi converted my old CitiBusiness AAdvantage card to a CitiBusiness Thankyou card with no AF. The conversion was quick and pain-free with a regular CSR.

My case might be different than yours because this was an old business account (non-reporting TL). I asked if they could convert it to a personal account, but they said that wasn't possible; not a surprise.

Re: Has anyone ever had Citi change cards for them?

Anonymous — Mon, 09 Feb 2015 00:53:51 GMT

@PCR20 wrote:
I have had a Citi AAdvantage Card since 2007.
I used tro travel a lot on AmericanAir so it made sence.

Now I don't travel very often so I don't need the benifits nor the higher Interest Rate (15.24%)
I see that according to thier pre-qualify page, I am good to go with their Diamond Card at 11.99%

My question: Has anyone ever had them switch a card, and does it involve a Hard Pull?

Citi has product changed my Citi Platinum Select Mastercard, Citi Thank You Mastercard, Citi Diamond Preferred Mastercard and of late, my Citi American Express Dividend Card all since 2009 with no HP or SP. Did it by calling the CSRs with good luck. Oh, after thought is that all Aprs and credit limits remained the same as the card before the p/c.

Re: Has anyone ever had Citi change cards for them?

Anonymous — Mon, 09 Feb 2015 00:17:49 GMT

The problem with PCs is that APR does not always change. Don't do a PC just for an APR change as you likely won't get it.

Re: Has anyone ever had Citi change cards for them?

PCR20 — Mon, 09 Feb 2015 00:35:05 GMT

Good point.

If no IR change than no point in doing it.

I'll just add the new Diamond then close the AAdvanage just before the next AF.

Does anyone have the Diamond and if so, does it provide the EQ FICO like the AAdavantage does?

Re: Has anyone ever had Citi change cards for them?

Stephen_T — Mon, 09 Feb 2015 03:27:00 GMT

Yes , It does... But the citi diamond points are not really good for much. Reseach much before you get that card.