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I have a bit of a dilmena and need some help
Currently I have a Citi Premier card that after the initial SUB requirement has been used sparingly here and there for almost two years. A large part of the reason why is the future changes to the card - including the removal of the 25% boost to redemption via travel portal - taking effect next early next year which when combined with the transfer partners make this a card not worth keeping long-term. The problem I have is I have no clue what card to PC it to. The AF is going to be due in December so sometimes between now and then I need to find a new card to change it to. Slightly complicating matters is CLI request is on 8/29 and wondering if I should just take whatever SP increase they give or chance one more HP before leaving it to the SP CLIs
To those that are or have been in a similar situation what did you do. Open to all options on what to do
TIA for everyone's help!
AA Platinum Select to Costco, Prestige to DC.
Costco I still use (Costco extended warranties where I can't use Amex...and gas).
DC has been locked for about a year. I have just kept it in case Citi launches anything of interest I might want to PC it to.
Same dilemma here, although I have until April, but also complicated with having the Rewards+ card. Since I have no interest in Prestige nor any desire at this time to use a Double Cash combined with Premier for partner transfers, I've made up my mind to PC at least the Premier next year.
I find ThankYou Preferred to be relatively useless for my needs, so that's out. Fortunately Citi has an insane number of PC options. Leaning toward possibly PCing Premier to either a no-AF AA card for the lulz or to a Diamond Preferred, or maybe just closing it. Rewards+ I will probably PC back to Diamond Preferred. I had a decent number of 5% targeted offers before and BT options aplenty with Diamond Preferred. Really wish Dividend was still an option right now.
I'll dump any remaining TYPs into Virgin Atlantic before I pull the plug.
@wasCB14 wrote:DC has been locked for about a year. I have just kept it in case Citi launches anything of interest I might want to PC it to.
Does Citi have any PC rules? I wouldn't mind doing that til something comes along that catches my eye
@K-in-Boston I was thinking PC the Premier to a card that at least gets offers to entertain me to spend on it. Don't mind throwing Citi a little spend here and there. Is the Diamond Preferred best for that? I know @kilroy8 got a spending offer on his Simplicity the other day so that's what got me thinking about it
@simplynoir wrote:
@wasCB14 wrote:DC has been locked for about a year. I have just kept it in case Citi launches anything of interest I might want to PC it to.
Does Citi have any PC rules? I wouldn't mind doing that til something comes along that catches my eye
There may be a rule requiring people to keep their first card for a year, but that wouldn't apply on your older card.
Costco is AFAIK the only "dead end". You can PC to Costco but not from Costco to something else.
Other than Costco (and used to be an issue with Simplicity although that barrier now seems removed) I am not aware of any PC rules outside of the usual CARD Act ones.
Diamond Preferred is similar to Simplicity with its no frills no rewards structure. But I used to get 5% targeted offers all the time and there is also the ability to purchase discounted physical gift cards (from memory I think I bought $100 Amazon and Lowe's cards for $90 each a few times) when you hold the card.
I tried to PC my Diamond Preferred to Prestige a few years ago while it was temporarily taken off the market before the makeover, but no go at the time. However the analyst that I was speaking with did offer me like 2 dozen options to change to.
I'll have a similar quandary in December/January.
Right now I'm leaning towards doing a PC to the Rewards+ as a no-AF option that should (???) also keep any straggler TY points warm, but I'm also open to better options.
(Sorry I don't have any good suggestions to provide... just chiming-in to say that you're not alone.)
My utilization is around 5% (WWFCR 0% and no-fee Amex Plans), and my Prestige-turned-DC account only goes back to 2016.
If nothing appealing (as in, a new product or major improvements to an existing one) comes along, I might eventually close it and reduce exposure to smooth the way for a fresh AA Platinum SUB. At least for my profile, it's not essential to keep every cent of available credit.
@UncleB wrote:I'll have a similar quandary in December/January.
Right now I'm leaning towards doing a PC to the Rewards+ as a no-AF option that should (???) also keep any straggler TY points warm, but I'm also open to better options.
(Sorry I don't have any good suggestions to provide... just chiming-in to say that you're not alone.)
Unfortunately Citi makes it complicated. When you close or convert a Thank You earning card, the points "remember" where they come from and they do expire after 60 or 90 days I believe.