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CITI Upgrade Offer: Take it or Leave it?

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coldfusion
Credit Mentor
‎08-08-2022 10:55 AM
‎08-08-2022 10:55 AM

Re: CITI Upgrade Offer: Take it or Leave it?

@simplynoir wrote:

There isn't one really so I'd leave it. Maybe if they offered the Custom Cash as an upgrade option there would be some food for thought but not this upgrade offer

There are multiple data points showing that Citi is now allowing direct Double Cash -> Custom Cash product changes without having to go through the 51 day multiple-PC route. No need to wait for a directed invitation. 

 

Citi has been pestering me as well with this exact offer and I'm not going to bite.  I don't buy enough $1.06 ($0.99+$0.07 tax) Cumberland Farms coffees to make this change worthwhile. 

(7/2025)
FICO 8 (EX) 850 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 11 of 14
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Lou-natic
Established Contributor
‎08-08-2022 03:16 PM
‎08-08-2022 03:16 PM

Re: CITI Upgrade Offer: Take it or Leave it?

I don't know what Citi is trying to accomplish here but if you like the DC then I'd keep ignoring them.




8/8/25
Message 12 of 14
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Uncle_Money
Established Contributor
‎08-08-2022 04:12 PM
‎08-08-2022 04:12 PM

Re: CITI Upgrade Offer: Take it or Leave it?

Hey guys,

 

I want to thank every single one of you for weighing in here. After going through all the replies I think the answer is obvious:

 

IGNORE THIS CITI OFFER!!!

 

That is exactly what I'm going to do!

 

Uncle Money

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 13 of 14
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Anonymous
Not applicable
‎08-08-2022 04:34 PM
‎08-08-2022 04:34 PM

Re: CITI Upgrade Offer: Take it or Leave it?

I get offers quite a lot to convert my Dividend to Rewards+ and I think Custom Cash and maybe DC.   Safe to ignore!    Still, all of these are more plausible to me than Cap One constantly offering to upgrade my QuickSilver  to Venture One.   Yes, there are use cases where that might make sense, but not very many!

Message 14 of 14
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