I got the check a weak after the letter saying it was unsecured. First came the two hard pulls, then the letter two weeks later then the check. A week after that I got the replacement card and that was 6 weeks before the original expired. Fast return of the deposit (with interest at 4.07$APR accumulated. Very nice. But the card is the same plain jane Citi card that is shown only under their "secured" card list. Oh, and it still has the $29 AF. It's odd because their current site indicates the secured cards are supposed to convert to plats. So nice APR, very retro card look, and sucky AF. Still, fine with me. The only thing better is if they had kept it secured and still had the high 4.07% CD APR but now it's only 1%.
I'm pretty sure I could do that in a few months but I still have some CAs and a bad PR. They are due to fall off in a few months though so I may approach them then. Right now I don't want to do anything that could potentially result in AA given the CL and still having baddies.
@Anonymous wrote:
I got a letter from Citi some four days ago, and they said that my card will unsecure to a classic mastercard and my deposit will be returned within 30 day of my CD maturity date. Moreover, I called them about a possible PC and they were'nt cool with that; they basically said classic MC cannot be PC'd :-(
I would call again and speak with someone eles and if not have you tried calling one of the backdoor numbers for citi?
Starting Score: EQ 546 TU 566
CC issuers can pull hard anytime they wish. They rarely do, but are allowed.