Citi Simplicity and convert to Dividend?

[Anonymous]

I want the Citi Dividend card. However, I have a collection on my CR (only bad) with mid-700 scores. I'm concerned I will get denied, so planning on maybe getting Simplicity to convert to Dividend. thoughts?

[colinstu]

Well I've heard that Citi doesn't like to PC TY point cards with cash back cards (and vice versa). 

Not entirely sure how they'd like to convert a non-rewards card into one. If you're not carrying a balance and you're talking about the PC with them over the phone, maybe offer that you're willing to accept a higher APR? (assuming your APR on that card is already really low [12.99]). I guess it will depend on your spending history with them too. 

[Anonymous]

So this isn't possible?

[Anonymous]

Citi is willing to convert my dividend into a forward, but I would loose the saved up cash back.

I just SDed the card in case a good 5% bonus comes around again.

Call the backdoor retention line and see what they can do.

[koalablue]

OP, I believe if you want to convert a card, you have to wait til its been open 13 months. I would just apply for the Dividend if that's what you want, or wait til your score goes up some more, though you probably have a decent chance right now.

[Anonymous]

It's odd, my scores are decent... mid-700s, but I have a collection on each report