Are you sure a new account appears? When I product changed from the Citi Dividend Visa to the Mastercard, the tradeline remained the same. And then I just changed to the World Mastercard, and a new account has not appeared...even though I only changed the Logo, I recieved new account numbers and they said it was a product change.
So no new acct showed up on your CR? You still show just one acct for Citi on your CR, but it's the new one instead of the old one? Or do all of them show up on your CR?
Citi will report a new tradeline but report it as opened on the original date of the tradeline it's replacing. It takes 45 days.