topic Re: Citi DC or CapOne QS? in Credit Cards

Citi DC or CapOne QS?

Anonymous — Mon, 13 Mar 2017 21:00:24 GMT

I currently have the QS as stated in my signature, but have started to think about getting into the Citi DC. The QS was one of my first cards and I hadn't done a lot of extensive "research" into the DC. I had found some "debates" on the two, with most people's complaints seeming to be the way the cashback is accumulated on the DC. That wouldn't be a major cause for concern for me.

The "price rewind" is primarily what draws me to look into the DC, but wanted to get some more feedback on experiences with the functionality of Citi's webpages, mobile apps, and obviously the card benefits/drawbacks. I was just wanting to get some other peoples' (updated) reasons for liking one over the other, if they have a preference. I know there were some threads on this already, but many of them seem to be fairly dated.

Re: Citi DC or CapOne QS?

Anonymous — Mon, 13 Mar 2017 21:16:36 GMT

I do not have the DC card, but I do know a few of the standout differences between the cards that have been discussed quite often. 1. Your earnings on the DC do not post until your statement cuts. Cap One gives them to you normally within a day or two. DC has a 3% foreign transaction fee. Cap One has none. Also, you do not earn the extra 1% until your balance is paid. Other than that, 2% certainly trumps 1.5% albeit not by much.

Re: Citi DC or CapOne QS?

Kforce — Mon, 13 Mar 2017 22:23:56 GMT

I only have the Citi-DC and some of the following views are

from others. the ones that have an "*" are my experience.

The Good
* 2% Unlimited cash back, all purchases.
* Price protection (Citi Price Rewind).
* Ability to pay on the statement date and have it credit "NOW", allowing full control of how much is left on the statement.
* I had fraud on my card and they did a rush delivery of new card (No Charge).
* Only 25$ redemption threshold.

The Bad

FTF (Not a factor for me)
Front-line customer service agents are from a foreign country (Did not have a problem when the card had fraud)
* Starting Limits are lower than average for most people. (This was true for me)
* Minimum 6 months between soft pull CL increases, and CL Increases are lower than many other providers
APRs are high (PIF)
If you want to get a Direct Deposit for your cash back, you need to establish history (and continue history)
by making payment from your bank account via Citi's web page (and not through your bank's bill pay).

The Other:
* If you PIF before the statement cuts, you get the whole 2% at once, rather than 1% one month and 1% the next. (True)

Re: Citi DC or CapOne QS?

EAJuggalo — Mon, 13 Mar 2017 22:47:16 GMT

I have both. And if I were going to choose to keep only one I would choose the QS. I've had issues with Citi almost since I got the card. Redemption minimums and the way it posts are both inferior to CapOne. But it is a WEMC, Price rewind is pretty cool and it instant credits your account when you make a payment. On $1,000 spend you're talking a difference of $5.

Re: Citi DC or CapOne QS?

Anonymous — Tue, 14 Mar 2017 00:18:40 GMT

I have both. Citi Dc is great but nothing posts til end of cycle as far a points. I love the instant points from C1. Yes Citi Dc does start with low but not terrible limits. The Citi virtual numbers are a plus. I never tried price rewind. It really rdepend on what factors you are looking for 1) Cash back % 2) Instant points posting 3) Higher staring limit

4) No FTF

Re: Citi DC or CapOne QS?

Anonymous — Tue, 14 Mar 2017 00:37:34 GMT

Well, I decided to pull the trigger. I 100% agree with the low SLs of Citi DC (1,500). My CapOne and BCP started at 10,000 and my Marvel started at 12,000.

Re: Citi DC or CapOne QS?

barthooper — Tue, 14 Mar 2017 01:09:44 GMT

Since you've already pulled the trigger, this is mostly for anyone else who stumbles upon this thread. A great advantage of the Citi DC besides Price Rewind is that it extends manufacturer warranties by 24 months. I think this is common to most/all Citi cards and thus not just the DC, but it's worth bringing up when comparing it to the Quicksilver.

Re: Citi DC or CapOne QS?

Anonymous — Tue, 14 Mar 2017 05:32:15 GMT

Congrats on the new card.

I've heard many PC into DC as it doesn't have sign up bonus anyways (which I did not think of when applying directly for DC back them =()

Citi's CSR and website are both kind of a pain to use but I'm not closing the no AF card just because of these.

Also in terms of CB potential there are some new developments which could surpass 2%:

JCB Marukai card at 3% if you could put up with a suppsedly more painful experience and limited acceptance and are from one of the states that card is offered in.

CFU with CSR's 1.5x boost is 2.25% but only for travel booked in their portal.

Re: Citi DC or CapOne QS?

Anonymous — Tue, 14 Mar 2017 07:09:19 GMT

Yes. Citi is known to start off with low limits. My DC started at 2,000. But I was able to cli it to 6,000 in 30 days.

Re: Citi DC or CapOne QS?

Chris679 — Tue, 14 Mar 2017 07:34:45 GMT

@Anonymous wrote:
I do not have the DC card, but I do know a few of the standout differences between the cards that have been discussed quite often. 1. Your earnings on the DC do not post until your statement cuts. Cap One gives them to you normally within a day or two. DC has a 3% foreign transaction fee. Cap One has none. Also, you do not earn the extra 1% until your balance is paid. Other than that, 2% certainly trumps 1.5% albeit not by much.

33% more cash back with DC vs QS. If you are like me and you want to keep things simple and not rotate a bunch of rewards card then DC is the way to go. I think Citi gets a bad rap at times here. Forward and DC have been my go to cards for years and I have found their service to be solid, maybe a step below Amex and Discover. I think with a lot of these companies the service you get can be directly related to the money you run through their cards and I don't think you can really fault them for that.

Re: Citi DC or CapOne QS?

Anonymous — Tue, 14 Mar 2017 14:14:48 GMT

@barthooper wrote:
A great advantage of the Citi DC besides Price Rewind is that it extends manufacturer warranties by 24 months. I think this is common to most/all Citi cards and thus not just the DC, but it's worth bringing up when comparing it to the Quicksilver.

I've heard about this in the past and am curious how it works. What do you need to do to extend that warranty? Obviously when you make the purchase with your Citi card you don't ask for the extended warranty at the time of purchase (I assume) so do you have to fill out some paperwork or submit some sort of form to Citi to make this happen?

Re: Citi DC or CapOne QS?

Anonymous — Tue, 14 Mar 2017 14:49:15 GMT

@Anonymous wrote:
Yes. Citi is known to start off with low limits. My DC started at 2,000. But I was able to cli it to 6,000 in 30 days.

I thought Citi had 6month cli policy? Or did you initiate another HP for the CLI?

Re: Citi DC or CapOne QS?

Anonymous — Tue, 14 Mar 2017 15:28:37 GMT

@Anonymous wrote:
@Anonymous wrote:
Yes. Citi is known to start off with low limits. My DC started at 2,000. But I was able to cli it to 6,000 in 30 days.
I thought Citi had 6month cli policy? Or did you initiate another HP for the CLI?

I thought it was 6 months too... I asked for one a few monhts after opening...No....then I forgot I asked and asked again and the letter said "less than 6 months since last request."

Re: Citi DC or CapOne QS?

barthooper — Tue, 14 Mar 2017 16:28:24 GMT

@Anonymous wrote:
@barthooper wrote:
A great advantage of the Citi DC besides Price Rewind is that it extends manufacturer warranties by 24 months. I think this is common to most/all Citi cards and thus not just the DC, but it's worth bringing up when comparing it to the Quicksilver.
I've heard about this in the past and am curious how it works. What do you need to do to extend that warranty? Obviously when you make the purchase with your Citi card you don't ask for the extended warranty at the time of purchase (I assume) so do you have to fill out some paperwork or submit some sort of form to Citi to make this happen?

Good question. I've only had it for a few months and haven't tried to use it yet. I just tried to read about the benefits online. Logging into Citi shows you more details than are publicly available. You don't have to do anything at the time of purchase. The only major stipulation appears to be that an item has a manufacturer warranty in the first place, but if you purchase an extended warranty it extends beyond that, up to a max of 7 years after purchase and up to a $10,000 limit on the item. They'll either repair, replace, or reimburse.

Re: Citi DC or CapOne QS?

Poppa — Tue, 14 Mar 2017 22:07:56 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Yes. Citi is known to start off with low limits. My DC started at 2,000. But I was able to cli it to 6,000 in 30 days.
I thought Citi had 6month cli policy? Or did you initiate another HP for the CLI?
I thought it was 6 months too... I asked for one a few monhts after opening...No....then I forgot I asked and asked again and the letter said "less than 6 months since last request."

I got a $1500 SP CLI on my card 2 months after opening from $2500 to $4000. Also 5 APR reductions in 5 days through chat.