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Citi TYP -> DC || SUCCESS

Established Contributor

Citi TYP -> DC || SUCCESS

Does anyone have insight as to whether I might have any luck converting my TYP card to a Double Cash if I go to a local branch?

 

I've had the Forward (soon to be TYP) for 8 years; annual spend under 10K; always on time; have often carried a balance, have adequate other credit, and really don't give a hoot or holler if it's cancelled.  I've been shot down online and on the phone for the product change.

 

Oh yeah - I'm really not a sock drawer kind of guy.  Now at 7 cards, I feel as tho' I have too many (the others being Barclay Ring MC, Amex BCE, Discover it, BoA Travel Rewards V, Citizens Bank World MC, CSP V).

2019 Goal: 800+ across the board (my sole 30-day late drops in Q1 2019)
2018 Goals: garden, 750+ across the board, garden, put away 3 months' savings, garden



Experian is the canary in my coal mine.

EQ7637 INQ (4 CC, 2 mort, 1 auto)
EX7388 INQ (4 CC, 2 HELoan, 2 mort)
TU8056 INQ (4 CC, 2 mort)
6/24 < 5% AAoA TBD | AoYA 0m | AoOA 19y 2m
Take the myFICO Fitness Challenge [ Last INQ 11-May-2018 ]
Gardening 'til Q1 2019
Message 1 of 17
16 REPLIES
Senior Contributor

Re: Citi TYP -> DC | better luck in branch?

What did the telephone rep tell you about PC options?

Message 2 of 17
Super Contributor

Re: Citi TYP -> DC | better luck in branch?

Citi has always refused to PC the forward. I’d wait until it converts officially to TYP and then call. A trip to the branch won’t help at this time IMO.
Message 3 of 17
Established Contributor

Re: Citi TYP -> DC | better luck in branch?


ABCD2199 wrote:

What did the telephone rep tell you about PC options?


That there weren't any.

2019 Goal: 800+ across the board (my sole 30-day late drops in Q1 2019)
2018 Goals: garden, 750+ across the board, garden, put away 3 months' savings, garden



Experian is the canary in my coal mine.

EQ7637 INQ (4 CC, 2 mort, 1 auto)
EX7388 INQ (4 CC, 2 HELoan, 2 mort)
TU8056 INQ (4 CC, 2 mort)
6/24 < 5% AAoA TBD | AoYA 0m | AoOA 19y 2m
Take the myFICO Fitness Challenge [ Last INQ 11-May-2018 ]
Gardening 'til Q1 2019
Message 4 of 17
Established Contributor

Re: Citi TYP -> DC | better luck in branch?


expatCanuck wrote:

 

Oh yeah - I'm really not a sock drawer kind of guy.  Now at 7 cards, I feel as tho' I have too many


I admire that attitude.  Very rare around this forum.

In my wallet: Chase Sapphire Reserve • PenFed Power Cash Rewards
Also have: Chase United MileagePlus Explorer • UNFCU Azure • NFCU cashRewards • NFCU Go Rewards • PenFed Promise
Message 5 of 17
Regular Contributor

Re: Citi TYP -> DC | better luck in branch?

Two representatives have told me there is a 12 month clock between conversions (even forced conversions ie. Forward -> TYP).

 

Once I receive the TYP card, I'll be calling back and asking for a manager. Maybe explaining how they'll receive zero revenue for a year while the TYP sits in my sockdrawer or receive lots of swipe fees if I can convert to a Costco Anywhere. Smiley Wink


Goals: FICO of 800+
Garden Club Member: 12/2017 to infinity and beyond
As of 04/2018: EX09 787 | EX08 767 | TU08 766 | EQBank08 764
Message 6 of 17
Community Leader
Senior Contributor

Re: Citi TYP -> DC | better luck in branch?

It's doubtful that if you convey the "zero revenue" statement that it's going to get them riled up to convert your account. This process is systematic if the account provides such option.

As an aside, if you're going to be using your Costco instead of the TYP as far as swipes, you're still contributing to Citi's bottom line.

As some have mentioned already, wait for the PC to finalize from the Forward and then contact them after 45 days post-conversion to see if that option is available.
Message 7 of 17
Established Contributor

Re: Citi TYP -> DC | better luck in branch?

Thanks, folks. 

The way forward (pun unintended) is clear.  Pay the balance down to zero (already no-fee 0% BT'd most of it), see that it reports as zero, and close it.

 

 

That was easy.

2019 Goal: 800+ across the board (my sole 30-day late drops in Q1 2019)
2018 Goals: garden, 750+ across the board, garden, put away 3 months' savings, garden



Experian is the canary in my coal mine.

EQ7637 INQ (4 CC, 2 mort, 1 auto)
EX7388 INQ (4 CC, 2 HELoan, 2 mort)
TU8056 INQ (4 CC, 2 mort)
6/24 < 5% AAoA TBD | AoYA 0m | AoOA 19y 2m
Take the myFICO Fitness Challenge [ Last INQ 11-May-2018 ]
Gardening 'til Q1 2019
Message 8 of 17
Regular Contributor

Re: Citi TYP -> DC | better luck in branch?

I edited my post. I want to convert the TYP to a Costco Anywhere. I would actually use that card.


Goals: FICO of 800+
Garden Club Member: 12/2017 to infinity and beyond
As of 04/2018: EX09 787 | EX08 767 | TU08 766 | EQBank08 764
Message 9 of 17
Established Contributor

Re: Citi TYP -> DC || Success


expatCanuck wrote:

Thanks, folks. 

The way forward (pun unintended) is clear.  Pay the balance down to zero (already no-fee 0% BT'd most of it), see that it reports as zero, and close it.

 

 

That was easy.


So ... I called up Citi to make sure that, as I'd fully paid the December statement, there'd be no trailing interest assessed, and a zero balance would be reported to the bureaus as long as I paid for all new purchases before the statement cut.  Confirmed.

 

Then, just for kicks (and confident that I knew the answer), I advised that I wouldn't be activating the TYP and asked whether there was any possibility of converting to the Double Cash card.  And the rep said ( ... wait for it ... ), "Yes, as a valued customer, you are eligible for that conversion."  Smiley Surprised

 

Maybe they saw the (recently, marginally) improved EQ score?  Color me confused.

 

The moral of the story is that the story ain't got no moral. (Will it go 'round in circles ... .)

 

f2dc.jpg

 

 

 

Postscript: It's possibly worth noting that my prior calls and chat sessions were almost certainly handled by employees in an offshore call center; I'm confident that this most recent call was handled by someone employed in the lower 48.

2019 Goal: 800+ across the board (my sole 30-day late drops in Q1 2019)
2018 Goals: garden, 750+ across the board, garden, put away 3 months' savings, garden



Experian is the canary in my coal mine.

EQ7637 INQ (4 CC, 2 mort, 1 auto)
EX7388 INQ (4 CC, 2 HELoan, 2 mort)
TU8056 INQ (4 CC, 2 mort)
6/24 < 5% AAoA TBD | AoYA 0m | AoOA 19y 2m
Take the myFICO Fitness Challenge [ Last INQ 11-May-2018 ]
Gardening 'til Q1 2019
Message 10 of 17