topic Re: CitiBank products.. ASK AWAY in Credit Cards

CitiBank products.. ASK AWAY

JaeJae12 — Wed, 14 Aug 2013 22:49:18 GMT

Hey all, my GF recently got a contracted position at Citigroup so she has some knowledge to all citi products...( citi employee database) so if you guys have any question about Citibank products ask away!!

Please note I won't discuss what division she is in and I won't ask her any sensitive information/confedential/

This is just a know about questions not any financial advice etc

Re: CitiBank products.. ASK AWAY

Anonymous — Wed, 14 Aug 2013 23:43:31 GMT

@JaeJae12 wrote:
Hey all, my GF recently got a contracted position at Citigroup so she has some knowledge to all citi products...( citi employee database) so if you guys have any question about Citibank products ask away!!

Please note I won't discuss what division she is in and I won't ask her any sensitive information/confedential/

This is just a know about questions not any financial advice etc

Question that should be OK: Is there a 5x everyday spending offer still available at the branch? This most recently was on the Thank You card.

I would also like to know what changes are coming to Premier and Prestige, but that is probably sensitive.

Re: CitiBank products.. ASK AWAY

djc1puno — Wed, 14 Aug 2013 23:47:43 GMT

This will come in handy thx op!

Re: CitiBank products.. ASK AWAY

lhcole77 — Thu, 15 Aug 2013 00:00:00 GMT

@JaeJae12 wrote:
Hey all, my GF recently got a contracted position at Citigroup so she has some knowledge to all citi products...( citi employee database) so if you guys have any question about Citibank products ask away!!

Please note I won't discuss what division she is in and I won't ask her any sensitive information/confedential/

This is just a know about questions not any financial advice etc

Yay! Thanks, JaeJae. I'm sticking this Q&A offer in my back pocket and may pull it out on you in the future....lol

Re: CitiBank products.. ASK AWAY

09Lexie — Thu, 15 Aug 2013 00:03:08 GMT

Oh boy... I feel sorry for DGF

Re: CitiBank products.. ASK AWAY

JaeJae12 — Thu, 15 Aug 2013 00:08:47 GMT

To answer it question -longtimelurker

- for the 5x everyday spending on the TY, some branches may still offer it but its only for X amount of months before you get converted to 2x on restaurants /entertainment and 1x on all others.

- for the prestige there is big changes to it( not very good news) but since the letter of changes hasn't fully been reach to all customers yet most people won't know the changes yet. Currently all branch employees Are required to attend "classes" to discuss the changes being implemented to the prestige so it can be applied it to the branch.

*some information I can breifly tell you is that the prestige won't be prestige anymore( just in the context definition of prestige since you will be losing the good benefits of the card)

* one change is that you will lose the free airline companion pass and the $200 statement credit

But u will only get 1% annual dividend in spend instead.

Currently you still have the original benefits till this end of this year, and by early next year the changes will be fully implemented.

This is all I can say about this so far, but note that there is some more changes to the prestige that I can't really say right now.

Re: CitiBank products.. ASK AWAY

SoulMaster — Thu, 15 Aug 2013 00:09:13 GMT

After paying thousands in interest I discharged Citi in my BK across 3 different cards to the tune of about $30,000 or so. Please have your girlfriend tell them hello for me, as I'm not allowed within 100 feet of a Citi applicaiton.

Ha!

Seriously, though, can she confirm/deny the existence of the Citi blacklist? If it exists(99% sure it does), is there any way off it? Can you age off it? (I really want my AAdvantage card back; but know it's nearly impossible)

Thanks!

-SM

Re: CitiBank products.. ASK AWAY

myjourney — Thu, 15 Aug 2013 00:11:01 GMT

Average Credit profile needed for

Simplicity

Thank you pref

HH reserved

AA world master

Score..baddies or not,,, other Citi accounts help....

Re: CitiBank products.. ASK AWAY

Anonymous — Thu, 15 Aug 2013 00:12:31 GMT

Thanks for the info!

Saved me an inquiry! I was planning to apply for the citi prestige next month, but maybe not anymore now.

When will the changes start to roll out for the prestige card?

Re: CitiBank products.. ASK AWAY

JaeJae12 — Thu, 15 Aug 2013 00:12:57 GMT

SoulMaster, in a nice way to say this, Yes it does exist. But I can't tell you how to get of it and how long it stays since it is considered at internal information it can't be reveal or we will get criminal violations

Re: CitiBank products.. ASK AWAY

JaeJae12 — Thu, 15 Aug 2013 00:16:05 GMT

Enharu, the changes are already being implemented system wide, that is why there is currently secret mandatory meeting of all branch employees (pb, managers etc) to know the changes and apply it to the branch( if someone goes in to apply).

- for current card holder/ new applications( if they apply today) they will still be getting the original benefits till the END OF THIS YEAR. AFTER THAT IT WILL BE LIKE THE THANK YOU CARDS, YOU WILL BE IMPLEMENTED TO THE NEW BENEFITS.

Re: CitiBank products.. ASK AWAY

Anonymous — Thu, 15 Aug 2013 00:18:24 GMT

@SM, paying back bad debt usually helps get off the blacklist for most people. Not guaranteed however. Then again, you burned them for 30,000. That's a lot of money to fork out just for card(s) from citi. I really wouldn't recommend it unless that card is that important to you or you can somehow milk out 30k worth of rewards/benefits out of it.

Re: CitiBank products.. ASK AWAY

JaeJae12 — Thu, 15 Aug 2013 00:19:24 GMT

-Myjourney

There is no such minimum aaoa, it solely depends on you CR and how it matches internal scores. But keep in mind that if you have Citigold account it can really help you!

ONE THING TO KEEP IN MIND IS THAT CITI IS SHIFTING FOCUS TOWARDS BUSINESS CONSUMER/citi gold accounts more

Re: CitiBank products.. ASK AWAY

Anonymous — Thu, 15 Aug 2013 00:20:59 GMT

Jaejae, is there an estimated time frame when will that info be released to public?

So if I'm to apply in the branch sometime next month, rather than online, the branch manager might be able to inform me of the new program, or will I be forcefed into the new program anyhow?

So as long as I apply by end of this year I should have the card as it is right now? Or will the "deadline" be earlier?

Re: CitiBank products.. ASK AWAY

myjourney — Thu, 15 Aug 2013 00:23:12 GMT

@JaeJae12 wrote:
-Myjourney

There is no such minimum aaoa, it solely depends on you CR and how it matches internal scores. But keep in mind that if you have Citigold account it can really help you!

ONE THING TO KEEP IN MIND IS THAT CITI IS SHIFTING FOCUS TOWARDS BUSINESS CONSUMER/citi gold accounts more

Oh right up my alley Thanks for the heads up because my next card app is Chase INK now I will have to consider Citi as well

Re: CitiBank products.. ASK AWAY

JaeJae12 — Thu, 15 Aug 2013 00:24:58 GMT

-Enharu

By early Oct letter should be sending out.
* I think you are confuse of my previous post lol. If you apply now u get the benefit as it is right now till the end of the year. After the year ends your benefit will change.

*This applies to all current/new cardholders so no matter what you will lose the " good perks f the card" and it will be replace with something eh

Re: CitiBank products.. ASK AWAY

SoulMaster — Thu, 15 Aug 2013 00:25:27 GMT

@Anonymous wrote:
@Anonymous, paying back bad debt usually helps get off the blacklist for most people. Not guaranteed however. Then again, you burned them for 30,000. That's a lot of money to fork out just for card(s) from citi. I really wouldn't recommend it unless that card is that important to you or you can somehow milk out 30k worth of rewards/benefits out of it.

Paying back $30,000 that was discharge just doesn't seem like a tasty thing to do. I just wanted to confirm it was there... at some point, I'll call and try to argue my way back in, but it's really not that important.

Thanks for the confirmation JaeJae.

-SM

Re: CitiBank products.. ASK AWAY

JaeJae12 — Thu, 15 Aug 2013 00:29:57 GMT

Another quick info that you shud retain is that. " like football players they have jerseys with names and number" (analogy since i cant say internal Information) similar to citi each account holder have that "jersey numbers and names"

So if you are bad to citi or good you get "jersey numbers" so it is easy to identify you and what you did ...

Re: CitiBank products.. ASK AWAY

myjourney — Thu, 15 Aug 2013 00:36:17 GMT

@JaeJae12 wrote:
Another quick info that you shud retain is that. " like football players they have jerseys with names and number" (analogy since i cant say internal Information) similar to citi each account holder have that "jersey numbers and names"

So if you are bad to citi or good you get "jersey numbers" so it is easy to identify you and what you did ...

Lol ok good one

Number system...got it

Re: CitiBank products.. ASK AWAY

ezdoesit — Thu, 15 Aug 2013 00:37:20 GMT

@JaeJae12 wrote:
Another quick info that you shud retain is that. " like football players they have jerseys with names and number" (analogy since i cant say internal Information) similar to citi each account holder have that "jersey numbers and names"

So if you are bad to citi or good you get "jersey numbers" so it is easy to identify you and what you did ...

Are there going to be any new cards that citi is going to offer with different rewards or are they just gearing everything toward Thank You Points.