topic Re: Any other Citi Dividend stragglers? in Credit Cards

Any other Citi Dividend stragglers?

leoment — Wed, 24 Aug 2016 23:13:04 GMT

Last week I got a flyer from Citi about my Dividend WE card - basically inviting me to convert to the Double Cash card. Is it safe to say time may be running out for it? Oddly enough, I really want to PC my Forward card to the DC, but they're blocking THAT conversion

I guess I'll hold out as long as possible until they force the PC themselves Still crossing my fingers that doesn't happen for a while yet!

Re: Any other Citi Dividend stragglers?

Anonymous — Thu, 25 Aug 2016 12:12:23 GMT

I have an Dividend (just a Visa though) PCd from something else a while back. Haven't got mail inviting me to convert. Already have a DC (and a Forward for that matter) so no great desire to convert to that.

Re: Any other Citi Dividend stragglers?

ezdoesit — Thu, 25 Aug 2016 00:58:54 GMT

@leoment wrote:
Last week I got a flyer from Citi about my Dividend WE card - basically inviting me to convert to the Double Cash card. Is it safe to say time may be running out for it? Oddly enough, I really want to PC my Forward card to the DC, but they're blocking THAT conversion

I guess I'll hold out as long as possible until they force the PC themselves Still crossing my fingers that doesn't happen for a while yet!

Your not alone i have been keeping my Dividend WE even though the categories are getting worse every year I think they are doing that on purpose. Still when they have a useful category it is nice to be able to use all 6k if you want. Unlike most with their $1500 per quarter.

I think the real reason I still keep the card is a think it is one of the nicest looking cards. They haven't sent me that letter funny think is I got a new one a few weeks ago because of fraud.

Re: Any other Citi Dividend stragglers?

Anonymous — Thu, 25 Aug 2016 01:22:12 GMT

Dividend straggler here! I already have the Citi DC so I'm not sure what I would PC to if I needed to... Although my limit on the Dividend Visa is much better than the limit on my DC 😥

Re: Any other Citi Dividend stragglers?

ezdoesit — Thu, 25 Aug 2016 01:29:24 GMT

I forgot to mention I have the M/C version.

Re: Any other Citi Dividend stragglers?

Anonymous — Thu, 25 Aug 2016 01:29:34 GMT

Citi Dividend straggler checking in! I have absolutely no use for the card... nice to buy a pack of gum at Duane Reade :-)

Re: Any other Citi Dividend stragglers?

kdm31091 — Thu, 25 Aug 2016 02:32:06 GMT

I'm surprised that Citi hasn't forced the issue with Dividend yet. They have invited people to convert but you are, as of now, still free to decline and keep your Dividend. Of course, as others note, they have steadily made the categories less and less useful for the majority, probably hoping people convert the card.

Has been discontinued for 2+ years now so I would say the time is probably coming when it will be forced but who knows? Oddly, Citi didn't force convert the Forward to Thankyou Preferred, but rather created a sort of nerfed Forward/Thankyou Preferred hybrid card (difference being including bookstores). So you just never know.

Re: Any other Citi Dividend stragglers?

Anonymous — Thu, 25 Aug 2016 06:21:37 GMT

It's about time for this card! Once my goto card, it got supplanted by a Fidelity 1.5% card, which got supplanted by a DoubleCash card. Dividend has been in my sock drawer until recently with an AT&T Universal card, when I used it to climb over the cash back limit and claim.

I had one of the Dividend cards that had my picture and signature printed on the front of the card. I should have kept one of those - it was cool.

I was thinking of asking Citi in a few months to merge this with my DoubleCash. perhaps also with my aged AT&T Universal card.

For any who also had a DoubleCash and gets one of these Dividend letters, what's the offer/suggestion?

(my first post, long time lurker though)

Re: Any other Citi Dividend stragglers?

Anonymous — Thu, 25 Aug 2016 08:12:10 GMT

Wondered how long the Citi Dividend Card would survive? The categories have been limited but seems to me when I have needed a category on a card I had it was out of season (not a category card fan for myself). My CIti Dividend World Elite Master Card has a revolving limit. When the great Citi Double Cash came to be and many were p/c'ing to it the revolving option did not go forward. Since I have a Citi Double Cash Back WEMC what do I change to? Nothing interests me and I have had Thank You Points and they are not fitting my life style. My legacy Citi Forward Visa Signature (no revolving limit options) was closed June 4 as I did not need a Citi Thank You Preferred Card (already been there). Seems Citi has slowed card development and rewards. Wonder when the others will catch up? Note, Citi has had to do some serious right sizing in the last couple of years and is starting to look like a regional bank back from the late 1970's (has not received a lot of public notice).

Re: Any other Citi Dividend stragglers?

Burned2manybridgesB4 — Thu, 25 Aug 2016 14:01:07 GMT

Doesn't anyone use the shopping portal with their Dividend? I still find the card useful.

Re: Any other Citi Dividend stragglers?

Anonymous — Thu, 25 Aug 2016 14:08:24 GMT

Burned2manybridgesB4 thanks for the reminder! I totally zoned that option out ... may have been missing some opportunities. Did take advantage of the 2nd Qtr 2016 Categories. Noticed that several different lenders have been narrowing their categories and how often they offer them. Maybe it is a sign of the times?!

Re: Any other Citi Dividend stragglers?

Anonymous — Thu, 25 Aug 2016 14:45:28 GMT

@Anonymous wrote:
... Seems Citi has slowed card development and rewards. Wonder when the others will catch up? Note, Citi has had to do some serious right sizing in the last couple of years and is starting to look like a regional bank back from the late 1970's (has not received a lot of public notice).

Another way to look at it may be that the DoubleCash card is overly successful and Citi doesn't wish to cannibalize their customers, preferring to capture rivals customers. That card has probably hastened the death of the rotating category type of cards. Or we are just seeing the normal evolution of offerings.

The pace of innovation may decrease. Truly revolutionary, game changing types of card offerings may not happen as frequently with benefits as rich as we can get currently.

Re: Any other Citi Dividend stragglers?

zerofire — Thu, 25 Aug 2016 16:11:10 GMT

I know my mother loves her Citi Dividend card. I question why since she just spends everything on it without caring about catagories.

By the way Blispay has killed the Citi Double Cash already. The only reason people have not switched over to it is that nobody knows about it.and those that do hare stuck in application limbo or maze.

Re: Any other Citi Dividend stragglers?

galahad15 — Thu, 25 Aug 2016 16:13:20 GMT

@zerofire wrote:
I know my mother loves her Citi Dividend card. I question why since she just spends everything on it without caring about catagories.

By the way Blispay has killed the Citi Double Cash already. The only reason people have not switched over to it is that nobody knows about it.and those that do hare stuck in application limbo or maze.

Idk, why not have the best of both worlds, and have both cards together?

Re: Any other Citi Dividend stragglers?

galahad15 — Thu, 25 Aug 2016 16:29:51 GMT

@Burned2manybridgesB4 wrote:
Doesn't anyone use the shopping portal with their Dividend? I still find the card useful.

Does Dividend offer any additional quarterly cashback categories, other than the dept. stores, home improvement, and travel categories you had listed above? Also j/c, are the quarterly categories like the U.S. Bank Cash+, where you can carry the same ones over to the next quarter if you want to, or is it like the Discover IT and Chase Freedom, where you can't?

Re: Any other Citi Dividend stragglers?

Anonymous — Thu, 25 Aug 2016 16:27:32 GMT

@galahad15 wrote:

Does Dividend offer any additional quarterly cashback categories, other than the dept. stores, home improvement, and travel categories you had listed above? Also j/c, are the quarterly categories like the U.S. Bank Cash+, where you can carry the same ones over to the next quarter if you want to, or is iit like the Discover IT and Chase Freedom, where you can't?

It's more like Discover/Freedom, Citi chooses the categories each quarter. One major difference is that the cap is annual (5% of up to $6K) so if a quarter is particularly useful for you, you can put the whole $6K there.

(I think $300 is the total you can get, which includes any 1% spend you do, so dont do that!)

Re: Any other Citi Dividend stragglers?

galahad15 — Thu, 25 Aug 2016 16:30:56 GMT

Thanks for the helpful info longtimelurker!

Re: Any other Citi Dividend stragglers?

Anonymous — Thu, 25 Aug 2016 17:01:38 GMT

I've had the Dividend card for years now, and I've not heard any whisper from Citi about converting it. I do not have the DoubleCash card, and have no use for it, as I have the Fidelity Visa at 2%.

The categories have been lackluster ever since I converted to the Dividend card, but I still hope... Actually, I've made some use of the Drugstore, Home and Garden, Home Improvement and Car Rental categories, when not overlapping Freedom or Discover.

Chris.

Re: Any other Citi Dividend stragglers?

Anonymous — Thu, 25 Aug 2016 17:16:06 GMT

Does Dividend offer any additional quarterly cashback categories, other than the dept. stores, home improvement, and travel categories you had listed above? Also j/c, are the quarterly categories like the U.S. Bank Cash+, where you can carry the same ones over to the next quarter if you want to, or is it like the Discover IT and Chase Freedom, where you can't?

The 2016 categories (somewhat lame, IMO) can be found at https://www.citi.com/credit-cards/credit-cards-citi/citi.action?ID=dividend-quarterly-offer

Re: Any other Citi Dividend stragglers?

Burned2manybridgesB4 — Thu, 25 Aug 2016 20:34:47 GMT

@galahad15 wrote:
@Burned2manybridgesB4 wrote:
Doesn't anyone use the shopping portal with their Dividend? I still find the card useful.
Does Dividend offer any additional quarterly cashback categories, other than the dept. stores, home improvement, and travel categories you had listed above? Also j/c, are the quarterly categories like the U.S. Bank Cash+, where you can carry the same ones over to the next quarter if you want to, or is it like the Discover IT and Chase Freedom, where you can't?

You have the card listed in your signature.

Did you not research it before the app?

I see your question has been answered already.