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Citi product change question

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Citi product change question

I want to switch my Citi card from from Platinum to the Hilton Honors card but I want to make sure it is not going to ding my reports. The rep said she didn't know but that a new account number is issued when a product change happens. Should I assume that means it will show as a new account on my report thus lowering my AAoA? Any help would be appreciated.

Message 1 of 10
9 REPLIES 9
Established Contributor

Re: Citi product change question


@ttbhg wrote:

I want to switch my Citi card from from Platinum to the Hilton Honors card but I want to make sure it is not going to ding my reports. The rep said she didn't know but that a new account number is issued when a product change happens. Should I assume that means it will show as a new account on my report thus lowering my AAoA? Any help would be appreciated.


I have a card converting in the next few weeks and would love to get an answer to your question. Unfortunately the Citi CSRs (even supervisors) seem clueless as to whether it will report as a new trade line retaining history, or whehter the account number will be updated on the existing tradeline already listed on the reports.

FICO: EX: 740 (1/18); TU: 753 (12/17); EQ 777 (12/17)
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Message 2 of 10
Regular Contributor

Re: Citi product change question

With the caveat that this was years ago... I changed from an Citi AA Amex to a Citi MasterCard - Obviously the number changed... It just changed over on my reports to the new number everything was retained Again this was a few years back.
Message 3 of 10
Established Member

Re: Citi product change question

Thanks for the response. Anyone else care to opine to current experience? Surely, someone has gone through this.
Message 4 of 10
Regular Contributor

Re: Citi product change question

It shouldn't be new account, you should be able to retain the same card number and account number. I recently PC'd my platinum select to Dividend and was able to retain everything. It seems u had a lousy CSR, try calling them again a knowledgable CSR should be able to assist u properly

Message 5 of 10
Frequent Contributor

Re: Citi product change question


@sgs10 wrote:

It shouldn't be new account, you should be able to retain the same card number and account number. I recently PC'd my platinum select to Dividend and was able to retain everything. It seems u had a lousy CSR, try calling them again a knowledgable CSR should be able to assist u properly


Where you able to PC from Platinum Select to Dividend pretty easily?  As of now the Plat Select is pretty useless to me except for utilization and age.

Message 6 of 10
Valued Contributor

Re: Citi product change question

Has anyone here able to PC their Citi cards into AT&T Universal Savings? Thinking of PC my Forward into AT&T Universal Savings, then apped for an Amazon Chase.

Message 7 of 10
Senior Contributor

Re: Citi product change question

if you have a card with citi cash, what happens to it when you PC to a different card?

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 8 of 10
Established Contributor

Re: Citi product change question


@sgs10 wrote:

It shouldn't be new account, you should be able to retain the same card number and account number. I recently PC'd my platinum select to Dividend and was able to retain everything. It seems u had a lousy CSR, try calling them again a knowledgable CSR should be able to assist u properly


I believe it will be a new account any time you move from one co-branded CC to another co-branded CC with an issuer other than Amex (and with Amex, you can only PC certain products to certain products).

Message 9 of 10
Frequent Contributor

Re: Citi product change question

I PCed from Citi Mastercard American Airlines Advantage to Citi Thank You Preferred and I retained all my history, etc.  I did this back in January/February.  It was fine. 

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TU: 745(TU98) | EQ: 774 | EX: ? | NO BADDIES!
What's in my wallet? AMEX Platinum, United Presidential Plus World Elite MC, AMEX JetBlue, Nordstrom Visa Sig, Chase Sapphire Preferred, Discover More, AMEX Zync, Citi AAdvantage Plat Select Visa, Banana Republic, Home Depot
Message 10 of 10
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