topic Re: Citi PC's and Custom Cash multiples in Credit Cards

Great News! Two Custom Cash is possible

creditfan — Sun, 03 Apr 2022 17:07:32 GMT

I used to tell people you can not have more than one CC card based on citibank T&C. After reading This I thought I would try myself out to see it is really work. I just called to convert my R+ to CC and boom it's there after I finished calling with their converting specialist and also was told account number will not change.

1st card applied Nov2021

2nd card sucessfully converted today Apr2022

Re: Great News! Two Custom Cash is possible

Anonymous — Sun, 03 Apr 2022 17:22:34 GMT

@creditfan

The landscape at Citi Bank certainly has changed! Over time there certainly have been several card holders frustrated over their policies! This is good news

Re: Great News! Two Custom Cash is possible

Curious_George2 — Sun, 03 Apr 2022 18:53:26 GMT

Cool! So there's a backdoor via PC? Nice find!

I'm guessing this will be reported on Reddit fairly soon and then lots of people there will start using it. At some point Citi will notice and patch their software to shut the back door. How quickly all that will happen is unknowable. So anyone who wants to do this should act soon.

Citi PC's and Custom Cash multiples

PullingMeSoftly — Wed, 13 Apr 2022 18:05:22 GMT

While I'm starting to plot some upcoming apps this summer, I'm hoping to glean some clarity regarding Citi PC's and holding multiple Custom Cash cards. Given the DP's on Doc, Reddit, and MF, it's quite clear that there does not seem to be a limit on the possiblity of doing multiple PC's to this card, and that it can be done from any of their products, whether core or co-branded, except for Costco (of course, my luck).

If i was to wait for the Premier's 80k sub to return and go for it, would I have to wait a year and PC it after the AF posts? Alternatively, if I applied for a DC/Rewards+/AA card, how long I would have to wait to convert it to a CC?

Thanks for any insights!

Re: Citi PC's and Custom Cash multiples

PullingMeSoftly — Thu, 14 Apr 2022 19:17:17 GMT

Somewhat embarassing to start a topic and answer my own question...

For those who may also be interested, a Citi CSR confirmed that once you open a new account (with or without an AF), it must age one year before being converted to a Custom Cash or another product.

Also for what it's worth, I also threw a few hail Mary questions and received these interesting answers:

Can I product change to the Dividend card? No, and the CSR indicated that in addition to it being closed to new apps and conversions for quite a while, the Dividend will be going away soon (she couldn't specify whether not current cardholders would get auto-PC'd to something else)
Can I convert my Costco card to a CC? Still no.
Will the Prestige be coming back, be modified, or can I PC to it? No, no, and no.

Re: Citi PC's and Custom Cash multiples

K-in-Boston — Thu, 14 Apr 2022 19:35:05 GMT

While yes, you can continuously open accounts to PC with Citi, it may not be a winning long-term strategy with Citi to milk SUBs and have numerous copies of the same card where you only use it for the least-profitable transactions. They have certainly begun to institute anti-churning measures at least for AA and TYP cards in recent years, and I wouldn't expect them to not expand those restrictions.

I would be surprised if they didn't reintroduce Prestige again, of course now with 50% more nerfs. I tried to PC to it before the last re-release of it right when they pulled new apps, and had the same issue where even after being transferred to a credit analyst, I could literally have PCed my Diamond Preferred to any card past or present in the Citi lineup other than Prestige.

Re: Citi PC's and Custom Cash multiples

NoHardLimits — Thu, 14 Apr 2022 22:00:30 GMT

@PullingMeSoftly wrote:
Somewhat embarassing to start a topic and answer my own question...

For those who may also be interested, a Citi CSR confirmed that once you open a new account (with or without an AF), it must age one year before being converted to a Custom Cash or another product.

Also for what it's worth, I also threw a few hail Mary questions and received these interesting answers:
Can I product change to the Dividend card? No, and the CSR indicated that in addition to it being closed to new apps and conversions for quite a while, the Dividend will be going away soon (she couldn't specify whether not current cardholders would get auto-PC'd to something else)
Can I convert my Costco card to a CC? Still no.
Will the Prestige be coming back, be modified, or can I PC to it? No, no, and no.

Thanks for the data point regarding Citi Dividend. I have been expecting them to completely discontinue this product. I constantly receive email and online pop-up messages encouraging me to convert to a Rewards+ card (which would be of almost no use to me). The same type of tactics occurred shortly before Citi discontinued the Forward card. I will plan to request a conversion to Custom Cash before they auto-PC me to Rewards+.

Re: Citi PC's and Custom Cash multiples

FinStar — Thu, 14 Apr 2022 22:14:29 GMT

I'll definitely miss Dividend when Citi decides to pull the plug much the same way with the Forward CC. There are a a few others that I've heard will be discontinued in the not-so-distant future.

Re: Citi PC's and Custom Cash multiples

collics — Thu, 14 Apr 2022 22:17:05 GMT

So since that Costco card can't PC to anything, if u were to ever cancel your Costco membership, then the credit card would have to be closed?

Re: Citi PC's and Custom Cash multiples

FinStar — Thu, 14 Apr 2022 22:25:04 GMT

@collics wrote:
So since that Costco card can't PC to anything, if u were to ever cancel your Costco membership, then the credit card would have to be closed?

Pretty much so @collics.

From their CCA/T&C's:

Annual Membership Fee: None

About the Fee: There is no annual membership fee for this credit card. We will close your Account if you do not maintain a Costco membership.

Re: Great News! Two Custom Cash is possible

Credit12Fico — Thu, 14 Apr 2022 23:23:44 GMT

@Curious_George2 wrote:
Cool! So there's a backdoor via PC? Nice find!

I'm guessing this will be reported on Reddit fairly soon and then lots of people there will start using it. At some point Citi will notice and patch their software to shut the back door. How quickly all that will happen is unknowable. So anyone who wants to do this should act soon.

Banks like Chase and Bank of America have never really crackdown on product changing into a second copy of a card you already have. I don't see why Citi would be concerned about it either.

Re: Great News! Two Custom Cash is possible

FinStar — Fri, 15 Apr 2022 02:04:35 GMT

@Credit12Fico wrote:
@Curious_George2 wrote:
Cool! So there's a backdoor via PC? Nice find!

I'm guessing this will be reported on Reddit fairly soon and then lots of people there will start using it. At some point Citi will notice and patch their software to shut the back door. How quickly all that will happen is unknowable. So anyone who wants to do this should act soon.
Banks like Chase and Bank of America have never really crackdown on product changing into a second copy of a card you already have. I don't see why Citi would be concerned about it either.

While that may be the case, Citi has enacted restrictive language where even some PCs can prevent individuals from obtaining future TY SUBs in a specific timeframe. Take for instance, Citi Premier. And, Citi AAdvantage SUBs have been popular for many, so even a downgrade/PC can impact getting another AA SUB for a while. And, while the actual PC is still possible, they can always change things up with future PC policies.

Re: Great News! Two Custom Cash is possible

K-in-Boston — Fri, 15 Apr 2022 11:05:49 GMT

Definitely what FinStar wrote. It's been 5 years since I opened Premier, and I am still ineligible for SUBs on any TYP product until spring 2023 because I closed it last year when my 5th annual fee posted!

Re: Great News! Two Custom Cash is possible

Curious_George2 — Mon, 18 Apr 2022 06:47:22 GMT

@Credit12Fico wrote:
@Curious_George2 wrote:
Cool! So there's a backdoor via PC? Nice find!

I'm guessing this will be reported on Reddit fairly soon and then lots of people there will start using it. At some point Citi will notice and patch their software to shut the back door. How quickly all that will happen is unknowable. So anyone who wants to do this should act soon.
Banks like Chase and Bank of America have never really crackdown on product changing into a second copy of a card you already have. I don't see why Citi would be concerned about it either.

I hope you're right, but Citi includes this language in an advertisement for Custom Cash: "Our policy is to offer only one Citi Custom Cash℠ Card account per customer." In another ad, they phrase it like this: "Citi will only issue one Citi Custom Cash℠ Card account per person." (I would love to post links to the ads, but I think the URLs might contain too much tracking data for my comfort.)

I am not aware of Chase or BofA publicizing similar policies. The fact that Citi is declaring this policy so prominently tells me they care.

Re: Great News! Two Custom Cash is possible

Absolution16 — Wed, 29 Mar 2023 10:55:32 GMT

Good to know that Premier can be PC'ed into Custom Cash. I am contemplating applying for the Premier, use it for a year, cash out the SUB, then PC to Custom Cash. I am not all that fixated into having 2 or more Custom Cash as long as I have one eventually.

Thank you all for the DP. Bookmarked!!