topic Citi AA PC options in Credit Cards

Citi AA PC options

mongstradamus — Thu, 08 Oct 2015 16:28:13 GMT

I tried the chat function with citi to see what my options were to pc my citi aa card which I hardly ever use nowadays, especially since my barclays aviator seems to be better in every way, higher cl, no ftf , and has retention bonus of 1000 dollar spent= 5000 miles. I applied for my citi aa last december so is it true i am not eligible to pc till next year ?

I was thinking of trying to pc it to an double cash card but i am not too thrilled about paying an AF on an card i hardly ever use for the slight chance of being able to pc it do doublecash. Trying to figure out what are my best options for that card.

Re: Citi AA PC options

odd_dog — Thu, 08 Oct 2015 16:53:23 GMT

Just my experience but I tried about a year or so ago to change a Hilton Citi to the DC when it first came out and was told NO on co-branded cards so I had to apply for the DC, that was my experience but YMMV.....hope they do let you PC though that would be awesome!

edit sp.

Re: Citi AA PC options

Anonymous — Thu, 08 Oct 2015 21:29:19 GMT

If you're looking for a tradeline placeholder, you can PC to the AA Bronze. No AF. But very bad/limited benefits if you still plan to use it in any way. For me, it's just one of my oldest cards so I kept it as a Bronze

EDIT: also, try to speak to retention. Citi is great with retention, and you may get something like $95 credit after $95 spend, and $1000 spend = 1000 bonus points (essentially 2x miles per dollar up to 1000 dollars).

Re: Citi AA PC options

red259 — Thu, 08 Oct 2015 22:11:20 GMT

@odd_dog wrote:
Just my experience but I tried about a year or so ago to change a Hilton Citi to the DC when it first came out and was told NO on co-branded cards so I had to apply for the DC, that was my experience but YMMV.....hope they do let you PC though that would be awesome!

edit sp.

I asked if I would be able to PC my citi AA plat select to citi DC and was told that I can.

Re: Citi AA PC options

mongstradamus — Thu, 08 Oct 2015 22:40:21 GMT

@red259 wrote:
@odd_dog wrote:
Just my experience but I tried about a year or so ago to change a Hilton Citi to the DC when it first came out and was told NO on co-branded cards so I had to apply for the DC, that was my experience but YMMV.....hope they do let you PC though that would be awesome!

edit sp.
I asked if I would be able to PC my citi AA plat select to citi DC and was told that I can.

how long have you had your citi AA before asking for PC, i heard you have to have card at least a year before even being eligible for PC, due to federal law is that correct.

If worse comes to worse i can just cancel the card, i totally forgot my Citi Premeir was an WEMC also.

Re: Citi AA PC options

red259 — Thu, 08 Oct 2015 22:45:59 GMT

@mongstradamus wrote:
@red259 wrote:
@odd_dog wrote:
Just my experience but I tried about a year or so ago to change a Hilton Citi to the DC when it first came out and was told NO on co-branded cards so I had to apply for the DC, that was my experience but YMMV.....hope they do let you PC though that would be awesome!

edit sp.
I asked if I would be able to PC my citi AA plat select to citi DC and was told that I can.
how long have you had your citi AA before asking for PC, i heard you have to have card at least a year before even being eligible for PC, due to federal law is that correct.

If worse comes to worse i can just cancel the card, i totally forgot my Citi Premeir was an WEMC also.

You are referring to the CARD act. I know you can't upgrade to an AF card in the first year. I don't know if it prevents you doing a PC to a non-AF card. To answer your question I had my card for a little more than a year at the time.

Re: Citi AA PC options

Sharingan — Thu, 08 Oct 2015 22:50:46 GMT

I had to wait a year to PC my Citi AA Platinum Select WEMC. I had several options available to me, but I already had some of them like the Dividend, Hilton HHonors Visa Signature, and Double Cash. I ended up selecting the TY Preferred just to keep the account open until I figure out what I want to do with it and since it has a low interest rate. The AA card is definitely PC-able, however, I can attest to the 1 year requirement. I did have to call back a month later to reverse the AF though. It did not refund automatically.

Re: Citi AA PC options

mongstradamus — Thu, 08 Oct 2015 22:51:08 GMT

@red259 wrote:
@mongstradamus wrote:
@red259 wrote:
@odd_dog wrote:
Just my experience but I tried about a year or so ago to change a Hilton Citi to the DC when it first came out and was told NO on co-branded cards so I had to apply for the DC, that was my experience but YMMV.....hope they do let you PC though that would be awesome!

edit sp.
I asked if I would be able to PC my citi AA plat select to citi DC and was told that I can.
how long have you had your citi AA before asking for PC, i heard you have to have card at least a year before even being eligible for PC, due to federal law is that correct.

If worse comes to worse i can just cancel the card, i totally forgot my Citi Premeir was an WEMC also.
You are referring to the CARD act. I know you can't upgrade to an AF card in the first year. I don't know if it prevents you doing a PC to a non-AF card. To answer your question I had my card for a little more than a year at the time.

i will try calling citi and asking what options i have, the chat thing probably isn't best way to go about it. I am just wondering if PC to dc is worth it , i could just close that account i suppose. The only reaon i wanted to keep it was for an WEMC , but since i will still have my premeir it doesn't really make much sense.

Re: Citi AA PC options

red259 — Thu, 08 Oct 2015 23:05:58 GMT

@mongstradamus wrote:
@red259 wrote:
@mongstradamus wrote:
@red259 wrote:
@odd_dog wrote:
Just my experience but I tried about a year or so ago to change a Hilton Citi to the DC when it first came out and was told NO on co-branded cards so I had to apply for the DC, that was my experience but YMMV.....hope they do let you PC though that would be awesome!

edit sp.
I asked if I would be able to PC my citi AA plat select to citi DC and was told that I can.
how long have you had your citi AA before asking for PC, i heard you have to have card at least a year before even being eligible for PC, due to federal law is that correct.

If worse comes to worse i can just cancel the card, i totally forgot my Citi Premeir was an WEMC also.
You are referring to the CARD act. I know you can't upgrade to an AF card in the first year. I don't know if it prevents you doing a PC to a non-AF card. To answer your question I had my card for a little more than a year at the time.
i will try calling citi and asking what options i have, the chat thing probably isn't best way to go about it. I am just wondering if PC to dc is worth it , i could just close that account i suppose. The only reaon i wanted to keep it was for an WEMC , but since i will still have my premeir it doesn't really make much sense.

The only reason I am considering a PC to the DC for some of my cards is because I would not want to waste a HP apping for a DC and thought it would be a good long term cash back card to keep. The problem is that citi has a credit ceiling for me and I am up against it now, so I need to give back credit to get future approvals.

Re: Citi AA PC options

mongstradamus — Thu, 08 Oct 2015 23:08:36 GMT

I did want to have an longer temr 2% cashback card when the discover IT offer expires next year. For right now in my eyes barclays aviator > Citi AA so i probably will keep Barclay's if i ever need to accrue AA miles. It doesn't really matter that much to me since most of my spending is probably going on EDP + combo of Premeir/CSP , so i can spilit up my points just in case if one of the programs loses an lot of value.

Re: Citi AA PC options

Anonymous — Thu, 08 Oct 2015 23:17:09 GMT

So it is possible to PC after your 1st year AF is up right? I'm interested in doing this too when my free AF is up in a few months.