Citi AA PC...no go for less than a year old ?

[911GT3]

Hey guys, wondering if you know or have had a similar experience. Called the retention line and they advised that they cannot review an account opened less than a year for a PC or a consideration for World Elite status? That sound right? They threw in reducing my APR to 11.99 for 6 months, thats about all I got out of that call

[modernsurrender]

I feel like a year or until the promo period ends (whichever is longer) is pretty normal.

[OptimasPrime]

The card act prohibits pc'ing to a higher af card within the first 12 months of opening an account.

Not sure if this applies based on your post but if you wanted to pc from a 0 af card to the Citi AA, this would be why they could not do so.

If its the other way around and you wanted to downgrade to a lower af product, there is no such prohibition, and the decision would be based on citi policy

[LS2982]

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@OptimasPrime wrote:

The card act prohibits pc'ing to a higher af card within the first 12 months of opening an account.

Not sure if this applies based on your post but if you wanted to pc from a 0 af card to the Citi AA, this would be why they could not do so.

If its the other way around and you wanted to downgrade to a lower af product, there is no such prohibition, and the decision would be based on citi policy

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OptimusPrime Is correct, at least 13 months.

[911GT3]

my mistake, to clarify, the current card is the $95 AF AA Platinum Select and I was wanting to do a cash rewards or TY card (both no AF).

[FinStar]

As mentioned by the above posters, if the current product is less than 12 months, it will not qualify or be elegible for conversion.  If there is a promotional offer attached to it from the date of approval (such as BT or 0% purchase @ 12 or 18 mos), then until that promotion expires.