topic Re: Citi Product Changed Premier >> Prestige. in Credit Cards

Citi Product Changed Premier >> Prestige.

Anonymous — Wed, 23 May 2018 20:39:22 GMT

So glad this is official and out of the way. My 12th statement was supposed to close at the end of today, but I figured I'd gamble and call in to see if I could product change my Premier card to the Prestige... A nice lady from St. Louis answered the phone (an actual English speaking one) and she at first, gave me a scare when she said "I don't see the Prestige here," but then immediately corrected herself when she figured out she scrolled past the Prestige on accident.

So in other words, PC'ing to a Citi Prestige is still possible.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Wed, 23 May 2018 22:27:16 GMT

Why...wouldn't it be possible to product change to a Prestige? That's my plan in like 11 months.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Wed, 23 May 2018 23:34:02 GMT

@Anonymous wrote:
Why...wouldn't it be possible to product change to a Prestige? That's my plan in like 11 months.

Some reps have told me before that a PC to the Prestige is unavailable.

Re: Citi Product Changed Premier >> Prestige.

redpat — Thu, 24 May 2018 02:04:53 GMT

I can’t believe this card doesn’t have a SUB.

Crazy to PC w/o a TYP bonus.

Sad, I would have kept this card if 1.60x TYP redemption on AA stayed.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Thu, 24 May 2018 02:18:55 GMT

Not crazy to PC without a TYP bonus: I got the premier this month with a 50k SUB for $4k spend, not eligible for a TYP SUB for 24 months. I have nothing to lose PCing to Prestige in year 2.

Re: Citi Product Changed Premier >> Prestige.

redpat — Thu, 24 May 2018 03:52:09 GMT

@Anonymous wrote:
Not crazy to PC without a TYP bonus: I got the premier this month with a 50k SUB for $4k spend, not eligible for a TYP SUB for 24 months. I have nothing to lose PCing to Prestige in year 2.

3rd and 4th nights free w/ Amex FHR isn’t hard to get. My last stay was for three nights orbitz and others was 442 and FHR was 306 avg w/ free night, so I saved 408 and had 100 dollar property credit including free breakfast for 2 for 3 days. I don’t miss Prestige at all.

Re: Citi Product Changed Premier >> Prestige.

wasCB14 — Thu, 24 May 2018 04:18:15 GMT

@redpat wrote:
@Anonymous wrote:
Not crazy to PC without a TYP bonus: I got the premier this month with a 50k SUB for $4k spend, not eligible for a TYP SUB for 24 months. I have nothing to lose PCing to Prestige in year 2.
3rd and 4th nights free w/ Amex FHR isn’t hard to get. My last stay was for three nights orbitz and others was 442 and FHR was 306 avg w/ free night, so I saved 408 and had 100 dollar property credit including free breakfast for 2 for 3 days. I don’t miss Prestige at all.

I like the flexibility of the 4th night perk. I've had some totally necessary trips to remote areas where the nicest place for miles around is spartan enough to not have a 4th night deal.

Re: Citi Product Changed Premier >> Prestige.

wasCB14 — Thu, 24 May 2018 04:29:32 GMT

$350 AF?

I've been warming to Prestige a bit lately. On my last ~$6k of spend I've gotten $150 in retention credits and I'm looking at about $250 in price rewinds. Add in regular rewards and it probably works out to about 8% or more in all. Most of that spend has been on travel and price rewind-able stuff, so it's not like I'd have been putting the spend on BBP.

Got a 2x SP CLI yesterday, too.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Thu, 24 May 2018 05:34:00 GMT

@wasCB14 wrote:
@redpat wrote:
@Anonymous wrote:
Not crazy to PC without a TYP bonus: I got the premier this month with a 50k SUB for $4k spend, not eligible for a TYP SUB for 24 months. I have nothing to lose PCing to Prestige in year 2.
3rd and 4th nights free w/ Amex FHR isn’t hard to get. My last stay was for three nights orbitz and others was 442 and FHR was 306 avg w/ free night, so I saved 408 and had 100 dollar property credit including free breakfast for 2 for 3 days. I don’t miss Prestige at all.
I like the flexibility of the 4th night perk. I've had some totally necessary trips to remote areas where the nicest place for miles around is spartan enough to not have a 4th night deal.

Exactly. One of my favorite places to visit is Eureka Springs, a small town in Arkansas that doesn't have any major hotel chains, just local eclectic hotels (even though the town has a population of around 2000, it also has the largest historical district in the entire state, being about 5 square miles: basically the entire town is like 100 - 150 years old and everything is well maintained by and large). I doubt any of Amex's FHR options are available: when I was looking at the IHG card, I found there isn't even a Holiday Inn anywhere near the town!

$350 fee for Prestige: it's available for people with Citi Gold or Citi Priority banking, you can get Priority banking status for $30/mo. I've read multiple accounts of people who had Gold or Priority status incidentally, got the Prestige for the reduced annual fee, and then happened to lose their Priority status and yet still retained the $350 fee. My plan is, shortly before my year comes up on my Citi Premier, open up the Priority banking status and swallow the $30 fee. Then during that first month, upgrade the Premier to the Prestige. The fee, ideally, will drop for the Prestige during the first month of the Priority status. After it does, cancel the Priority status and, theoretically, you should be able to thereby lock in the $350 fee, making the card effectively $100 or only $5 more than the Citi Premier. Frankly, I could easily save $100 on a single 4th free night stay.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Thu, 24 May 2018 12:17:20 GMT

PCing with TYP is not a great idea because it resets your 24 month clock for a SUB on that product line. Better to have waited the 24 months, applied for a SECOND Preferred for the sign-up bonus and THEN PC'd to Prestige, IMHO.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Thu, 24 May 2018 12:49:28 GMT

@Anonymous wrote:
PCing with TYP is not a great idea because it resets your 24 month clock for a SUB on that product line. Better to have waited the 24 months, applied for a SECOND Preferred for the sign-up bonus and THEN PC'd to Prestige, IMHO.

Exactly right. There definitely is a downside to PCing to the Prestige if for example they were to come out with a 60K SUB and you can’t apply because you reset the 24 month clock with the PC. There are cards where it makes sense like PCing the CSP to the CSR if the benefits are worth it to you and you can’t apply for the CSR due to 5/24. No risk there as you can close the CSR and apply for it when you do become eligible. Totally different with Citi products. It would make sense if you have a lot of hotel stays coming up and the 4th night free will save you lots of $. But does come with a downside as mentioned.

Re: Citi Product Changed Premier >> Prestige.

wasCB14 — Thu, 24 May 2018 14:11:29 GMT

@Anonymous wrote:
$350 fee for Prestige: it's available for people with Citi Gold or Citi Priority banking, you can get Priority banking status for $30/mo. I've read multiple accounts of people who had Gold or Priority status incidentally, got the Prestige for the reduced annual fee, and then happened to lose their Priority status and yet still retained the $350 fee. My plan is, shortly before my year comes up on my Citi Premier, open up the Priority banking status and swallow the $30 fee. Then during that first month, upgrade the Premier to the Prestige. The fee, ideally, will drop for the Prestige during the first month of the Priority status. After it does, cancel the Priority status and, theoretically, you should be able to thereby lock in the $350 fee, making the card effectively $100 or only $5 more than the Citi Premier. Frankly, I could easily save $100 on a single 4th free night stay.

I should have been clearer. I was asking if OP had succeeded in obtaining the lower AF, having previously mentioned the same plan.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Thu, 24 May 2018 15:34:14 GMT

@redpat wrote:
I can’t believe this card doesn’t have a SUB.

Crazy to PC w/o a TYP bonus.

Sad, I would have kept this card if 1.60x TYP redemption on AA stayed.

AA miles are so readily available. I have gotten over 300k of them in the last 10 months just from SUB. I wouldn't waste my Thank You points on AA miles.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Thu, 24 May 2018 16:30:19 GMT

@wasCB14
I should have been clearer. I was asking if OP had succeeded in obtaining the lower AF, having previously mentioned the same plan.

No, I forgot, but I've also churned a few Citi accounts over the last couple of years, so don't want to close another one.

Also - regarding the sign up bonus: spending $7,500 in three months isn't practical for me anyways.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Thu, 24 May 2018 16:54:15 GMT

Is the premier even worth it for the 1st year? I been considering it but due to Citi’s travel partners (I don’t use any of them) it has me hesitant. It makes me wonder how I would even utilize the SUB if I don’t use its partners. Not sure how the Citi Portal is.

However, I do love the reward structure on the card. 3x on all travel and 2x on dining and entertainment is pretty good.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Thu, 24 May 2018 16:59:03 GMT

@Anonymous wrote:
Is the premier even worth it for the 1st year? I been considering it but due to Citi’s travel partners (I don’t use any of them) it has me hesitant. It makes me wonder how I would even utilize the SUB if I don’t use its partners. Not sure how the Citi Portal is.

However, I do love the reward structure on the card. 3x on all travel and 2x on dining and entertainment is pretty good.

1.25 cpp through the TY Portal.

For the first year it's worth it - $0 AF and a decent sign up bonus. Plus Citi offered 8 out 12 months with no interest.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Thu, 24 May 2018 17:07:26 GMT

I'd consider that, but off hand I'd rather have the Prestige sooner and dont really want another TYP card: can you even have 2 Premiers at the same time? The only thing remotely useful for me to PC the second one to would be the ATT card but that's basically useless what 2x TY for online purchases? I'll already have the Prestige, Sears MC, and Dividend. Although a second SUB would be nice.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Thu, 24 May 2018 17:09:39 GMT

@Anonymous wrote:
I'd consider that, but off hand I'd rather have the Prestige sooner and dont really want another TYP card: can you even have 2 Premiers at the same time? The only thing remotely useful for me to PC the second one to would be the ATT card but that's basically useless what 2x TY for online purchases? I'll already have the Prestige, Sears MC, and Dividend. Although a second SUB would be nice.

Yes, I believe you can have more than one of the same Citi card at a time.

Regarding AT&T - Citi gave me a retention offer for 4x/3x on everything for six months, so that card was useful at one point when combined with the Premier.

Re: Citi Product Changed Premier >> Prestige.

Anonymous — Thu, 24 May 2018 18:46:10 GMT

@Anonymous wrote:
@redpat wrote:
I can’t believe this card doesn’t have a SUB.

Crazy to PC w/o a TYP bonus.

Sad, I would have kept this card if 1.60x TYP redemption on AA stayed.
AA miles are so readily available. I have gotten over 300k of them in the last 10 months just from SUB. I wouldn't waste my Thank You points on AA miles.

He's not talking about transferring TY points to AA. You previously could use them at a redemption rate of $.016 vs the current $.0125 when booking AA flights thru their travel portal. Far better than using AA miles typically and you didnt need to scrounge around trying to find award flights with AA miles. This was a very important benefit of the Prestige to lots of people.

Re: Citi Product Changed Premier >> Prestige.

wasCB14 — Thu, 24 May 2018 19:16:09 GMT

@Anonymous wrote:
@Anonymous wrote:
@redpat wrote:
I can’t believe this card doesn’t have a SUB.

Crazy to PC w/o a TYP bonus.

Sad, I would have kept this card if 1.60x TYP redemption on AA stayed.
AA miles are so readily available. I have gotten over 300k of them in the last 10 months just from SUB. I wouldn't waste my Thank You points on AA miles.
He's not talking about transferring TY points to AA. You previously could use them at a redemption rate of $.016 vs the current $.0125 when booking AA flights thru their travel portal. Far better than using AA miles typically and you didnt need to scrounge around trying to find award flights with AA miles. This was a very important benefit of the Prestige to lots of people.

I got a lot of JFK/LAX on AA flights for under 12.5k TYs per person. No close-in award booking fee, either.

Miss AC more, though. The 1.6 cpp feature I addressed with the 40% MR/Avios promo.