Citi product change question

[Anonymous]

Hi

I got the preferred diamond MC from Citi few days ago and i was actually attracted by the offer 0 APR for 21 months and never paid attention that it has no reward program.

Do you think i should call and ask for product change? and is it possible to do so since i just got my card?

Thanks

[jlee79]

I was able to product change my diamond prefrerred and platinum select to the dividend and thank you card. Called last week took less than 5 min to change them also had both cards for 9 months

[Anonymous]

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@Anonymous wrote:

Hi

I got the preferred diamond MC from Citi few days ago and i was actually attracted by the offer 0 APR for 21 months and never paid attention that it has no reward program.

Do you think i should call and ask for product change? and is it possible to do so since i just got my card?

Thanks

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I would worry whether or not you would still be qualified for the intro APR, since their other cards offer less or no intro APR at all.

ETA:  I got this card last week too, in order to take advantage of the balance transfer offer.  I plan to attempt a product change after I've paid the transfer off, which will take me about a year.

[Anonymous]

so should i call them now, or wait for few months?

[trumpet-205]

If you product change, then it is likely you will lose intro APR. Is intro APR more important to you? Or reward program?

[Anonymous]

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@trumpet-205 wrote:

If you product change, then it is likely you will lose intro APR. Is intro APR more important to you? Or reward program?

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+1     I agreed!    You need to pick one thing over the other.

[Anonymous]

thanks for your reply.

i want it to be one of my main cards, so that's why i think it should be linked with a reward program. I was just wondering whether i can change it to another product this soon? and if so which one should i choose?

[trumpet-205]

I doubt you can PC right away. Maybe 6 months later you can. It never hurts to ask.

If you do PC for reward program, Citi Dividend Platinum, Citi Forward, and Citi mtvU are some excellent choices.