Citi Strategy

[lexrjSD]

Trying to help a friend on getting the highest limit possible for a Citi Diamond, he already has a Citi card that he does not uses, should he close it before apping? Does Citi let you combine limits?

[bigbang91]

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@lexrjSD wrote:

Trying to help a friend on getting the highest limit possible for a Citi Diamond, he already has a Citi card that he does not uses, should he close it before apping? Does Citi let you combine limits?

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He shouldnt close the card b4 applying. And some members reported they have succeeded combining limit by calling Citi EO

[Anonymous]

Your friend should product change his current citi card to a Citi Diamond. They can do this as long as a card isn't in the zero APR promo period.

[lexrjSD]

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@Anonymous wrote:

Your friend should product change his current citi card to a Citi Diamond. They can do this as long as a card isn't in the zero APR promo period.

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The card is 3 yrs old, but will a product change still let him get the 0apr promo?

[bigbang91]

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@lexrjSD wrote:

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@Anonymous wrote:

Your friend should product change his current citi card to a Citi Diamond. They can do this as long as a card isn't in the zero APR promo period.

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The card is 3 yrs old, but will a product change still let him get the 0apr promo?

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Unfortunately, no promotional apr he  product change. 

[lexrjSD]

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@bigbang91 wrote:

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@lexrjSD wrote:

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@Anonymous wrote:

Your friend should product change his current citi card to a Citi Diamond. They can do this as long as a card isn't in the zero APR promo period.

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The card is 3 yrs old, but will a product change still let him get the 0apr promo?

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Unfortunately, no promotional apr he  product change. 

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Since he needs the promo, do you guys think he should close before apping? He actually has 2 citi cards, one with 9k CL and another with 21k CL.

[bigbang91]

I dont think he should close a card b4 applying. If a recon is needed, he can always ask them to reallocate existing credit line to open the new account and close the one he doesnt need by then

[corymcd88]

You can PC Citi cards? They told me you gave to apply to get a different card.

[Anonymous]

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@corymcd88 wrote:

You can PC Citi cards? They told me you gave to apply to get a different card.

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I PC'd from DP to DC a few days ago.

[Anonymous]

i don't think it matters.  i had a citi TY prefered for a few years now with a $13,000 limit, but i didn't use it much. i got it just so i would have access to citi ticket pre sales. recently applied for a Citi couble cash back and they approved me for $20,000. and i don't think you can move credit lines that easy with citi card. what they give you is what you get.