topic Re: Citicards upgrade... in Credit Cards

Citicards upgrade...

Anonymous — Mon, 29 May 2017 22:32:13 GMT

Hi,

I've been a Citi customer since 2008 and have the Citi Diamond Preferred card. Recently, they keep emailing and mailing me that I'm eligible to apply for their ThankYou Preferred card but I was thinking instead of applying for the card, perhaps I can just upgrade my Diamond Preferred to ThankYou Preferred. I called the customer service to inquire about a card upgrade but they told me that I'm not eligible without really explaining it to me. Is there anyone who had luck getting their Diamond Preferred card to another credit card?

Thanks in advance!

Re: Citicards upgrade...

MrDisco99 — Mon, 29 May 2017 23:16:59 GMT

Typically when you PC (convert your existing card) you lose out on any signup bonus, so you might be better off applying for it as new anyway.

Banks have product groups and typically you can only convert within that product group. For example, with Chase, I can convert my Freedom to a Sapphire, but not to a Southwest card, because they are in different product groups. It may be the same with Citi.

Also, welcome to the forum!

Re: Citicards upgrade...

Anonymous — Mon, 29 May 2017 23:25:23 GMT

Ok, that makes a lot more sense now. Thanks for the info and the warm welcome!

Re: Citicards upgrade...

Ghoshida — Tue, 30 May 2017 00:00:44 GMT

@Anonymous wrote:
Hi,

I've been a Citi customer since 2008 and have the Citi Diamond Preferred card. Recently, they keep emailing and mailing me that I'm eligible to apply for their ThankYou Preferred card but I was thinking instead of applying for the card, perhaps I can just upgrade my Diamond Preferred to ThankYou Preferred. I called the customer service to inquire about a card upgrade but they told me that I'm not eligible without really explaining it to me. Is there anyone who had luck getting their Diamond Preferred card to another credit card?

Thanks in advance!

Also, note that an "Eligible to apply" mail is not automatically a prequalifier.

Check whether the mail specifies a particular APR, like 16.49% or something, rather than a range, "can vary from 13.99-21.99%" etc. The former is an actualy prequalify mail, the latter is generic marketing mail. If you are actually interested, the former type of mail, which mostly will also have an offer code (often), is a better indicator of success. It is not guaranteed, but still higher than cold app.

Re: Citicards upgrade...

Anonymous — Tue, 30 May 2017 00:38:17 GMT

Ugh. Citibank....I do not understand why some people can get a product change and others can't. Recently they changed my Diamond Preferred to a MasterCard from a Visa. "So what?" most would ask, but it was my first ever Visa card and wanted it to stay that way. I called to see if it could be changed to Hilton Hhonors or Costco (the only Citibank cards still available as Visa and no Best Buy does not count)-nope. Yet others here have been able to change their current cards to the Hilton or Costco card. However, they have offered to allow me to change my DP to Double Cash, Thankyou or Dividend. I wonder why you can't change to anything?

They are my least favourite bank. Ugh.

Re: Citicards upgrade...

Anonymous — Tue, 30 May 2017 09:33:55 GMT

@Anonymous wrote:
Hi,

I've been a Citi customer since 2008 and have the Citi Diamond Preferred card. Recently, they keep emailing and mailing me that I'm eligible to apply for their ThankYou Preferred card but I was thinking instead of applying for the card, perhaps I can just upgrade my Diamond Preferred to ThankYou Preferred. I called the customer service to inquire about a card upgrade but they told me that I'm not eligible without really explaining it to me. Is there anyone who had luck getting their Diamond Preferred card to another credit card?

Thanks in advance!

the preferred is only a 2x earner in a few categories. The real clutch would be to get a good bonus on the premier and then the prestige. If you want something different, ask for apr reduction, CLI, and then PC to dividend or doublecash.