topic Re: PC Citi Premier to CCC in Credit Cards

PC Citi Premier to CCC

xenon3030 — Wed, 20 Sep 2023 16:34:34 GMT

After having Citi Premier for a year, I received notification regarding its AF. I called Citi to PC it to CCC but the rep said that CCC is not among the options. He double checked with the marking team and he said that no card can be converted to CCC (he said that CCC card can be available via new card application submission only).

I called twice today and both rep said the same thing. In the past, I heard several people could PC Premier to CCC.

I may call again in the other days. If CCC is not allowed, I might go for DC or Costco (both were among the available options).

Re: PC Citi Premier to CCC

ptatohed — Wed, 20 Sep 2023 16:36:43 GMT

Don't forget about the nice $200 bonus for a straight app for the citi CC!

Re: PC Citi Premier to CCC

Hansolojr — Wed, 20 Sep 2023 16:47:04 GMT

BTW Costco is an one-way street - no way to PC into something else later

Re: PC Citi Premier to CCC

xenon3030 — Wed, 20 Sep 2023 17:08:02 GMT

Since I am getting ~3-5% from my other cards on almost any purchases, neither of DC or Costco can be helpful for my wallet, while CCC can provide some additional 5% coverages.

Re: PC Citi Premier to CCC

Priory_Man — Wed, 20 Sep 2023 17:39:55 GMT

Sounds like you are talking yourself into just apping for it

Re: PC Citi Premier to CCC

xenon3030 — Wed, 20 Sep 2023 17:47:15 GMT

I may plan to get a Chase card soon (4/24). So applying directly for CCC is not among the options . I hope that via another rep, I would be able to do this PC.

Re: PC Citi Premier to CCC

ptatohed — Wed, 20 Sep 2023 17:51:57 GMT

Again, you'd miss out on the $200 welcome bonus offer but can you PC to the Rewards+?

It can make your new citi CC a 5.55% card for up to an extra $100 CB per year. And it's oh so fun to get 10% cash back when you buy a 99c McCafe coffee or two 99c Jack In The Box tacos!

https://www.citi.com/credit-cards/citi-rewards-plus-credit-card

Re: PC Citi Premier to CCC

xenon3030 — Wed, 20 Sep 2023 21:04:35 GMT

I see. Tnx for the reommendations. It looks like a combination of CCC, DC and Rewards+ can result a CB of ~2.22-5.55%. The max CB per quarter is capped by CCC ($500/quarter). After fixing my plan with Chase, I will start making this set and I hope that I can PC my Premier to CCC as the first step.

My current CB strategy is almost covering 3-5% on all purchases. My current cards almost cover such CB ranges (except a few bills that get covered by BOA PR, since I do not have AOD). I recently added US Bank AR and it covers some of the categories by its 3X digital wallet. It is a good card for Costco and its effective AF is $75.

Re: PC Citi Premier to CCC

UncleB — Thu, 21 Sep 2023 02:48:12 GMT

@xenon3030 wrote:
After having Citi Premier for a year, I received notification regarding its AF. I called Citi to PC it to CCC but the rep said that CCC is not among the options. He double checked with the marking team and he said that no card can be converted to CCC (he said that CCC card can be available via new card application submission only).

I called twice today and both rep said the same thing. In the past, I heard several people could PC Premier to CCC.

I may call again in the other days. If CCC is not allowed, I might go for DC or Costco (both were among the available options).

Ugh, this isn't good news at all, since this was my plan for next year with my own Premier.

You mentioned notification of the AF, but has it actually posted yet? Possibly once it posts to the account a PC to a CCC will be an option? (I realize this is a stretch, since you already have an option for DC and Costco.)

Re: PC Citi Premier to CCC

xenon3030 — Thu, 21 Sep 2023 03:31:26 GMT

@UncleB wrote:

You mentioned notification of the AF, but has it actually posted yet? Possibly once it posts to the account a PC to a CCC will be an option? (I realize this is a stretch, since you already have an option for DC and Costco.

The AF got posted early in this week. I will call again to double check. If CCC would not be among the options, I will go for DC.

Re: PC Citi Premier to CCC

Citylights18 — Fri, 22 Sep 2023 22:29:57 GMT

@ptatohed wrote:
Don't forget about the nice $200 bonus for a straight app for the citi CC!

There is a 48 hour lockout period for SUBs.

I ended up with a 90k SUB on the Premier and wasn't able to get one on the Rewards+ at all. They did give me a zero APR period

Something to think about.

Re: PC Citi Premier to CCC

xenon3030 — Fri, 22 Sep 2023 23:57:44 GMT

Do you mean 48 hours or months

I will check again next week. Considering the PC to DC might be a good plan, since DC does not typically have SUB. Anyway, I prefer to PC the premier card to CCC.

Re: PC Citi Premier to CCC

xenon3030 — Thu, 28 Sep 2023 18:38:23 GMT

The path to convert any Citi card to CCC seems to be closed recently (there are several data points across multiple forums).

I converted my Premier to DC for the moment. The card goes to SD, since I have plenty of cards covering 2-5% CB. If the path gets open in future, I may PC my DC to CCC or I may apply directly for CCC to earn SUB.

Re: PC Citi Premier to CCC

PullingMeSoftly — Thu, 28 Sep 2023 17:11:40 GMT

This is a bummer, I was waiting for the 80k sub on the Premier to return, with the hope of PC'ing for a second CCC. Blessing in disguise I guess. Glad the DP's are coming out now and I didn't start down a blocked path.

Re: PC Citi Premier to CCC

AndySoCal — Thu, 28 Sep 2023 18:32:28 GMT

@xenon3030 If you PC to Double Cash you can PC to Custom cash later on. The Custom Cash card I have now is a result of a PC. This used to work if it is still a valid option not sure

Re: PC Citi Premier to CCC

UncleB — Sat, 30 Sep 2023 11:12:15 GMT

@AndySoCal wrote:
@xenon3030 If you PC to Double Cash you can PC to Custom cash later on. The Custom Cash card I have now is a result of a PC. This used to work if it is still a valid option not sure

Yep, used to (before they relaxed the rules a bit) this was the way.

If I get told 'no' next year this will definitely be the route I take, even though I already have a Double Cash.

Re: PC Citi Premier to CCC

GatorCowboyLion — Sun, 01 Oct 2023 21:09:04 GMT

Yes I was also interested in the Premier SUB and PC to CCC for a long term 5% rotator. I wonder if an in between card might make it a viable path again. Previously I was unable to PC DC to CCC, so I had to go DC to Rewards+ to CCC. This worked for me. I wonder if Premier to Rewards+ to CCC could be a viable option. Will be following this thread for updated DPs since this seems to be a recent change. All in all, this seems to be a sign that CCC is not turning out to be as lucrative a card as other cards are for Citi.

Re: PC Citi Premier to CCC

xenon3030 — Wed, 04 Oct 2023 20:10:56 GMT

Besides the roadblock to convert the card to CCC, the conversion of Premier to DC was very smooth. The DC card got arrived in 3-4 biz days and the AF got reimursed, before arrival of the new card.

Re: PC Citi Premier to CCC

GatorCowboyLion — Mon, 09 Oct 2023 03:39:43 GMT

I found this very interesting thread on reddit. Looks like PC may still be possible for some accounts, or if you ask a different rep, or if you asking for a retention bonus. I would like it if we could nail down the exact rules determining these outcomes, but Citi being Citi we might have more luck nailing jello to the wall.
https://www.reddit.com/r/CreditCards/comments/173ay4b/citi_pc_to_custom_cash_still_possible_now_have_2/

Re: PC Citi Premier to CCC

xenon3030 — Mon, 09 Oct 2023 05:06:41 GMT

Interesting DP. In my prior calls, almost all no AF cards were available except CCC. They might have placed such PC restrictions, due to recent financial recession (similar to several other businesses to reduce the cost of operation).

It might be temporary to prevent the users to accumulate several CCC. Anyway, it also impacts the other users like me that does not have a CCC. They my lift this restriction later on, after passing these turbulent financial times.