topic Re: Is Citi 1.99% offer frequent? in Credit Cards

Is Citi 1.99% offer frequent?

elim — Wed, 28 Sep 2016 23:12:44 GMT

I just received this offer email for my existing HHonors card. Are these offers frequent? I would really like it if I had a usable limit.

1.99%
Promotional APR
on all purchases
until 6/1/2017.

Re: Is Citi 1.99% offer frequent?

Anonymous — Wed, 28 Sep 2016 23:13:50 GMT

my GOD .. haha TAKE IT !

Re: Is Citi 1.99% offer frequent?

Anonymous — Wed, 28 Sep 2016 23:14:29 GMT

CAn you explain to use your data points .. which could explain how you were targetted for this offer?

Re: Is Citi 1.99% offer frequent?

SunriseEarth — Wed, 28 Sep 2016 23:15:08 GMT

I got that same offer on my Double Cash. I haven't taken it, since my BBR has 0% for the next 11 months or I could use Blispay for 6 months deferred interest. My standard APR is insane on the DC. Does anyone know if you can have your permanent APR lowered while you have a promotional APR?

Re: Is Citi 1.99% offer frequent?

Anonymous — Wed, 28 Sep 2016 23:16:48 GMT

@SunriseEarth wrote:
Does anyone know if you can have your permanent APR lowered while you have a promotional APR?

They will tell you to wait until the promotional APR expires.

Re: Is Citi 1.99% offer frequent?

wasCB14 — Wed, 28 Sep 2016 23:34:36 GMT

AA Platinum: Opened Jan 2016, got a 5.99% offer in July.

Prestige: Opened May 2016, got a 1.99% offer today.

PIF on both. I only carry at 0%.

Re: Is Citi 1.99% offer frequent?

elim — Wed, 28 Sep 2016 23:47:36 GMT

@Anonymous wrote:
CAn you explain to use your data points .. which could explain how you were targetted for this offer?

Datapoints...

The card is 6.5 months old.

I met the spend in 2 transactions and PIF'd

I have spent $50 on the card every other month since.

I run 2k-3k through my Chase cards and 1k through a few others.

I sometimes have a balance that continues the following month but usually no more than 2 months before I let a statement cut with $0 on a card.

Clean EX and EQ, 2010 13k open fed lien on TU.

Scores are a little lower than in siggy. (710-750)

Re: Is Citi 1.99% offer frequent?

Anonymous — Wed, 28 Sep 2016 23:50:03 GMT

Yes. Here especially. 1.99% for 12 months on purchases. Then citi gets all weird if you ask them for an APR reduction because you are in a promotional period for purchases, and I say well the online account always lets you BT at the regular rate so if thats still there why cant it be reduced lol?

Anywho, take it, but ask for a perm apr reduction first.

Re: Is Citi 1.99% offer frequent?

NRB525 — Wed, 28 Sep 2016 23:50:04 GMT

@elim wrote:
I just received this offer email for my existing HHonors card. Are these offers frequent? I would really like it if I had a usable limit.

1.99%
Promotional APR
on all purchases
until 6/1/2017.

The low APR offers on spend are sent out periodically. I got one in late 2015 on my $1k limit Diamond Preferred, along with dining and movies 5% cash back. So I used it to run up a balance of $400 - $500, get the 5%, then gradually pay off the balance with the low APR.

Use it as a chance to pay a small bit of interest, to show you like the offer, and with luck your CL will increase and the usefulness of the next low APR offer may be better.

Re: Is Citi 1.99% offer frequent?

Anonymous — Wed, 28 Sep 2016 23:53:58 GMT

If I opted out of promotional offers via the online thing, does that also make me ineligible to get these offers from creditors I already have accounts with?

Re: Is Citi 1.99% offer frequent?

elim — Thu, 29 Sep 2016 00:46:28 GMT

@Anonymous wrote:
Yes. Here especially. 1.99% for 12 months on purchases. Then citi gets all weird if you ask them for an APR reduction because you are in a promotional period for purchases, and I say well the online account always lets you BT at the regular rate so if thats still there why cant it be reduced lol?

Anywho, take it, but ask for a perm apr reduction first.

Yes I probably should but ehh... Maybe when I get a Citi card I plan to use heavy and keep. Right now it's pretty bad on HH (19%).

Re: Is Citi 1.99% offer frequent?

awp317 — Thu, 29 Sep 2016 01:43:50 GMT

They keep sending me that email offering it even though I enrolled in it almost 2 weeks ago haha.