topic Re: Citi Credit Offerings in Credit Cards

Citi Credit Offerings

sccredit — Thu, 21 Aug 2014 17:42:41 GMT

We were trying to figure out what to do with DW's Citi Hilton HHonors card. I thought we'd look at what other oferings they had and see if it was worth trying to either a)PC the card to something else or b) apply for a new card and then have them transfer the limit over. After looking the site over we came to the conclusion that, for us at least, their card selection is somethat underwhelming compared to other issuers.

I have the TYP and obviously they have a stronhold with the AA cards but we don't every fly American.

Am I missing something on this?

Re: Citi Credit Offerings

wacdenney — Thu, 21 Aug 2014 17:53:41 GMT

@sccredit wrote:
We were trying to figure out what to do with DW's Citi Hilton HHonors card. I thought we'd look at what other oferings they had and see if it was worth trying to either a)PC the card to something else or b) apply for a new card and then have them transfer the limit over. After looking the site over we came to the conclusion that, for us at least, their card selection is somethat underwhelming compared to other issuers.

I have the TYP and obviously they have a stronhold with the AA cards but we don't every fly American.

Am I missing something on this?

I don't think you're missing anything. I find their card offerings to be quite lackluster. The best card they offer is Home Depot IMO.

Re: Citi Credit Offerings

Anonymous — Thu, 21 Aug 2014 18:11:03 GMT

I agree. I have two TYP cards. I did a PC change for one to some Legacy cash back card that I managed to get. I looked at the other cards they currently have to see about doing a PC change for the second TYP card and I just don't see anything that's appealing. I wouldn't qualify for any of the bonuses since it'd be a PC, and none of the rewards seem like anything I'd want. Their card selection is, by far, inferior to what other creditors are offering.

Re: Citi Credit Offerings

chrisw1968uk — Thu, 21 Aug 2014 18:43:12 GMT

And they won't transfer credit lines between cards ;(

Re: Citi Credit Offerings

Anonymous — Thu, 21 Aug 2014 18:45:11 GMT

Oh really? I never even bothered asking. It'd be sweet if they could. I'd have a monster $20k limit if they would.

Re: Citi Credit Offerings

mongstradamus — Thu, 21 Aug 2014 18:55:32 GMT

@sccredit wrote:
We were trying to figure out what to do with DW's Citi Hilton HHonors card. I thought we'd look at what other oferings they had and see if it was worth trying to either a)PC the card to something else or b) apply for a new card and then have them transfer the limit over. After looking the site over we came to the conclusion that, for us at least, their card selection is somethat underwhelming compared to other issuers.

I have the TYP and obviously they have a stronhold with the AA cards but we don't every fly American.

Am I missing something on this?

If you have premier or prestige card you can transfer TYP to up to 7 airline partners, i think the 3 big ones are cathay, etihad , and SQ

Re: Citi Credit Offerings

JoMellow — Thu, 21 Aug 2014 19:00:41 GMT

Citi (from every conversation I've had with them) will not move limits around via PC. I have two with them; one being the Diamond Preferred (ugh) which will likely never see the light of day - but, its a pretty card amongst all the other sock drawer cards..

I'm hoping perhaps at some point they will A) create a decent all around spend card and B) allow customers to reallocate credit lines. I live in a hopeful world

Re: Citi Credit Offerings

longtime_lurker — Thu, 21 Aug 2014 23:35:53 GMT

The Dividend isn't a bad card - the categories don't usually overlap with the Freedom/IT and the cap is 300/year (in cashback) instead of the 1,500 spend a quarter, making it (potentially) more useful.

Re: Citi Credit Offerings

chalupaman — Thu, 21 Aug 2014 23:42:30 GMT

I have a crappy Forward college card that the only good rewards that are on it is the ability to lower my already high interest rate on it by paying on time and the TY points. Other than that, it's really lame and I mainly have it open cause it's my oldest card and I'm probably PCing to a Dividend card after this September.

Re: Citi Credit Offerings

MidnightJester — Thu, 21 Aug 2014 23:48:33 GMT

Geeze, and Citi was up for including in my next App spree I am planning. Only thinking Citi to diversify Bank/CC line up currently. Low APR was only nice thing possible. Didnt really see much that I wanted to jump on. What is Citi's best Card offering for most?? and What is their current best Bonus offering??

Re: Citi Credit Offerings

mongstradamus — Thu, 21 Aug 2014 23:51:21 GMT

@MidnightJester wrote:
Geeze, and Citi was up for including in my next App spree I am planning. Only thinking Citi to diversify Bank/CC line up currently. Low APR was only nice thing possible. Didnt really see much that I wanted to jump on. What is Citi's best Card offering for most?? and What is their current best Bonus offering??

If I were to go for any citi card it would be citi AA there is fifty k sign up bonus,but if you don't travel than its pretty useless card

Re: Citi Credit Offerings

TrueGeminiNC — Thu, 21 Aug 2014 23:53:08 GMT

I receved the Citi Prestige card in the mail today. Unfortunately, it's not the new card design that has been floating around. However, overall I am excited about the card. I travel alot so I am looking to take advantage of the $250 airline credit coupled with $100.00 global entry credit to offset the annual fee.

And too, I currently have access to United clubs and I am now looking forward to gaining access to American clubs. I will also be bookig the companion ticket before the perk expires on 10/18.

Re: Citi Credit Offerings

wacdenney — Fri, 22 Aug 2014 00:06:15 GMT

The Diamond Preferred is a good BT card and like I said before I do love my Home Depot card.

I plan to PC my Diamond to Dividend when the intro APR runs out. You know... Just in case I decide to go to an amusement park or something.

I wish I could combine the 2 and have at least one CIti card with a decent limit. Sadly, at least one of them will likely end up closed eventually.

Re: Citi Credit Offerings

B335is — Fri, 22 Aug 2014 03:04:51 GMT

Citi is a bit strange in this regard. They seem to know what reallocation means if a new app depends on it to get the approval, but when you ask about it for closing a card they act like they've never heard the word before. I've been dealing with Citi so much lately, when I called to close my Chase United card the other day, the very first person I spoke to offered to reallocate without me even mentioning it, and I couldn't believe the conversation was over in 3 minutes. At least Citi is good about getting sign up bonuses more than once

Re: Citi Credit Offerings

lg8302ch — Fri, 22 Aug 2014 06:29:08 GMT

@longtime_lurker wrote:
The Dividend isn't a bad card - the categories don't usually overlap with the Freedom/IT and the cap is 300/year (in cashback) instead of the 1,500 spend a quarter, making it (potentially) more useful.

A bit off topic but I wonder if there is any way to check their 5% categories before being a card member?

Re: Citi Credit Offerings

CreditUnionFan — Fri, 22 Aug 2014 12:19:25 GMT

@lg8302ch wrote:
@longtime_lurker wrote:
The Dividend isn't a bad card - the categories don't usually overlap with the Freedom/IT and the cap is 300/year (in cashback) instead of the 1,500 spend a quarter, making it (potentially) more useful.
A bit off topic but I wonder if there is any way to check their 5% categories before being a card member?

Even for cardholders, we don't know the exact Citi Dividend categories until almost when we can sign up. For instance, right now Citi says 4Q is Holiday Shopping, unlike Discover that tells us already it will be Amazon and select department stores.

Re: Citi Credit Offerings

jamesdwi — Fri, 22 Aug 2014 15:58:47 GMT

@chrisw1968uk wrote:
And they won't transfer credit lines between cards ;(

this is incorrect, I was able to move 5k from my Citi HHonors card to my Citi Simplicity card. They made it sound like it would be a HP, but none ever appeared, pretty painless besides calling the CSR and explaining.

Re: Citi Credit Offerings

-NewGuy- — Fri, 22 Aug 2014 16:22:22 GMT

As far as Citi offerings go, I recently got the Prestige, because with the upcoming changes, the timing is perfect right now. Changes come mid October, so...

- 350 AF (annual fee only 350 when app in branch)

+ 60k TY points offer (30k after 3k spend in 3 months, 30k more points after 15k spend in a year)

+ Apping now will get you a companion ticket before it goes away, I added my DW and we have both used ours already

+ Airline credit (currently 200, will move to 250 applicable to airfare also in October) which recycles in December. So, $250 credit now and additional $250 credit in December.

So, even if it's only for a year, the card costs $350, and you get 60k points (worth $920 bucks to AA/US Air), companion ticket (could be worth a few hundred for domestic or much more if international), and $500 in airfare credits. This doesn't include other card perks like Admirals Club access, Priority Pass for primary and all AUs, etc. Worth it for me.

Re: Citi Credit Offerings

TrueGeminiNC — Fri, 22 Aug 2014 17:46:03 GMT

@-NewGuy- wrote:
As far as Citi offerings go, I recently got the Prestige, because with the upcoming changes, the timing is perfect right now. Changes come mid October, so...

- 350 AF (annual fee only 350 when app in branch)

+ 60k TY points offer (30k after 3k spend in 3 months, 30k more points after 15k spend in a year)
+ Apping now will get you a companion ticket before it goes away, I added my DW and we have both used ours already
+ Airline credit (currently 200, will move to 250 applicable to airfare also in October) which recycles in December. So, $250 credit now and additional $250 credit in December.

So, even if it's only for a year, the card costs $350, and you get 60k points (worth $920 bucks to AA/US Air), companion ticket (could be worth a few hundred for domestic or much more if international), and $500 in airfare credits. This doesn't include other card perks like Admirals Club access, Priority Pass for primary and all AUs, etc. Worth it for me.

WIth the TY program - you can also earn points for other relationships that you have with Citi i.e. Checking, Savings, Line of Credit, etc...