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PC Approval! But as usual, I am confused! FTW??

TheFraulein
Regular Contributor

PC Approval! But as usual, I am confused! FTW??

Okay, so I changed my Citi Diamond Pref to a Citi Rewards+, and the lady on the phone was SUPER nice! (Yay for nice CSR!)
Anyway, she said my DP would be good till my new Rewards+ card showed up in the mail and I activated the new card. It would have a new number, but have the same limit, etc.
However, I just looked on my Citibank app and it lists my new Double Cash, but has a lil exclamation point where my Diamond Pref should be and says "this acct has been closed, please log onto a PC or laptop to remove it from your Citi app".
Does that mean the CSR effed up? Or should I just leave it, wait for my new card, then add it and remove my now dead Diamond Pref?
I just hope the new card REALLY is the same, like, in my CL and APR, etc.
What should I do? 😪😥😫
Starting Score: 630
Current Score:FICO 8 768/798/757 FICO 9 790/803/810
Goal Score:FICO 8 800+ across the board


Take the myFICO Fitness Challenge

Began in Jan 2017.
As of Aug. 2018, just bought a new solar home (with two new batteries, bidets, electric water heater and reverse osmosis machines. Take THAT Geriatric Millenials!!!)

Planning for: Chase Saphire Preferred/Reserved (SCORE! 8/23/21)
Marriott Bonvoy or Amex Platinum (DONE!!!)
A Viaso card (for Japanese travel)
ANA or JAL FNBO, maybe Cathay Pacific


Amex BCP - $18800, Citi Premier - $21000, Chase Sapphire Preferred- $10800, Citi DC - $16000, Nordstrom VS - $15000, Discover IT - $19500, CareCredit - $6000 (DL from $15000, gonna go toe-to-toe about that one ...), Cap One Venture - $4750, Amazon - $10000, Comenity MC- $10000, Lane Bryant Platinum - $4200, Cap One Venture One (co-sign/au) - $1250, Victoria Secret - $1250, Paypal MC - $6900, BofA Cash Rewards - $3500, Amex Hilton - $3000
Amex Platinum - NPSL
(About $147,000k in credit. So Far ...) Updated 08/23/2021
Message 1 of 9
8 REPLIES 8
Obscure-Expert
Valued Contributor

Re: PC Approval! But as usual, I am confused! FTW??

Funky and clunky things happen when Citi makes changes.  All will be fine though in the end.  Whenever I have them change things it tends to lock me out of the site completely while it's processing the change and then it starts working again.

 

PC = retain all of the age and history

 

Just relax and wait for things to shake out on the site and app.

500K+ TCL / 800+ FCOs
Message 2 of 9
M_Smart007
Legendary Contributor

Re: PC Approval! But as usual, I am confused! FTW??


@TheFraulein wrote:
Okay, so I changed my Citi Diamond Pref to a Citi Rewards+, and the lady on the phone was SUPER nice! (Yay for nice CSR!)
Anyway, she said my DP would be good till my new Rewards+ card showed up in the mail and I activated the new card. It would have a new number, but have the same limit, etc.
However, I just looked on my Citibank app and it lists my new Double Cash, but has a lil exclamation point where my Diamond Pref should be and says "this acct has been closed, please log onto a PC or laptop to remove it from your Citi app".
Does that mean the CSR effed up? Or should I just leave it, wait for my new card, then add it and remove my now dead Diamond Pref?
I just hope the new card REALLY is the same, like, in my CL and APR, etc.
What should I do? 😪😥😫

Here is how I did Mine;

 

Re: Successful Product Change to Citi Double Cash
 

Just FYI, I had called 3 different times, 3 different Reps, leading up to the one year.

All gave me The Exact Day The Account was opened, all of them stated "One year from the date of opening"

I tried 1 day early, no go! it was a Saturday, I called The Next Day, Exatly One Year, and The Lady said Let Me Check.

came back on the line and said would you like to continue your product change, I said yes. took all of about 10 Minutes.

All i did before I let her proceed is,

1) No Hard Pull Involved?, She said no Hard Pull

2) I get to keep acount history?, She Said, you even get to keep the same Account #

 

The New Double Cash Card came within 7 Bus. Days. Same Account # Same Expiration Date and same three digit CVV Code

 

My Original Post

https://ficoforums.myfico.com/t5/Credit-Cards/Successful-Product-Change-to-Citi-Double-Cash/m-p/5601...

Message 3 of 9
M_Smart007
Legendary Contributor

Re: PC Approval! But as usual, I am confused! FTW??

also That was "Citi Double Cash Card #2"

 
Message 4 of 9
Obscure-Expert
Valued Contributor

Re: PC Approval! But as usual, I am confused! FTW??


@M_Smart007 wrote:

All i did before I let her proceed is,

1) No Hard Pull Involved?, She said no Hard Pull

2) I get to keep acount history?, She Said, you even get to keep the same Account #

 

The New Double Cash Card came within 7 Bus. Days. Same Account # Same Expiration Date and same three digit CVV Code

 

.


That's all 100% within the same family of cards. 

 

Card # Changes:

Moving between say DP and DC might be a hurdle if one's a MC and other is V or just simply a legacy product convering into the newer product.  

500K+ TCL / 800+ FCOs
Message 5 of 9
TheFraulein
Regular Contributor

Re: PC Approval! But as usual, I am confused! FTW??

See, now I feel better. Because I just got that darned Double Cash card (#1, ...ahem) 🤨 and I waited almost 2 years with my Diamond Pref, getting nicely sized CLI after another.
But without points, what's the use, yanno? So I took the plunge, called and right away the Rep said, "is the Rewards+ okay?"
I was like "🤔 ... 😀😂😃". Or, yes.
She said to give her a min, and 'Viola', I had a new card, with new hopes, dreams, ambitions!
But then she said it had a new number.
I was like, "😯😥😐" Okay. Cool.
I only pay my ADT, Arlo, and other random security system fees on that card monthly, but no going back now!
So, yeah. She said I could still use my old card till the new one came, but ... 🙈🙉🙊. Yanno?

However, you kind townsfolk always know how to make a stranger feel at ease. Thank ya kindly! 🤠

Starting Score: 630
Current Score:FICO 8 768/798/757 FICO 9 790/803/810
Goal Score:FICO 8 800+ across the board


Take the myFICO Fitness Challenge

Began in Jan 2017.
As of Aug. 2018, just bought a new solar home (with two new batteries, bidets, electric water heater and reverse osmosis machines. Take THAT Geriatric Millenials!!!)

Planning for: Chase Saphire Preferred/Reserved (SCORE! 8/23/21)
Marriott Bonvoy or Amex Platinum (DONE!!!)
A Viaso card (for Japanese travel)
ANA or JAL FNBO, maybe Cathay Pacific


Amex BCP - $18800, Citi Premier - $21000, Chase Sapphire Preferred- $10800, Citi DC - $16000, Nordstrom VS - $15000, Discover IT - $19500, CareCredit - $6000 (DL from $15000, gonna go toe-to-toe about that one ...), Cap One Venture - $4750, Amazon - $10000, Comenity MC- $10000, Lane Bryant Platinum - $4200, Cap One Venture One (co-sign/au) - $1250, Victoria Secret - $1250, Paypal MC - $6900, BofA Cash Rewards - $3500, Amex Hilton - $3000
Amex Platinum - NPSL
(About $147,000k in credit. So Far ...) Updated 08/23/2021
Message 6 of 9
M_Smart007
Legendary Contributor

Re: PC Approval! But as usual, I am confused! FTW??


@TheFraulein wrote:

but no going back now!



Actually, I believe I was told I had either 60 or 90 days to change my mind, after The Product Change.

Just Going off What The Citi REP told Me, I Though She was pretty clear & precise about what She was Doing.

Message 7 of 9
Obscure-Expert
Valued Contributor

Re: PC Approval! But as usual, I am confused! FTW??

45 days is the norm.

500K+ TCL / 800+ FCOs
Message 8 of 9
wasCB14
Super Contributor

Re: PC Approval! But as usual, I am confused! FTW??

"This card is closed. For inquiries, call 1-800-950-5114."

 

I got that message on AA Platinum and Prestige when I PCed them to Costco and DC. The message is standard. The Costco and DC accounts just appear on the same page and are fully functonal.

 

That said, I don't recall how long it took for the message to appear, or for the Costco/DC accounts to appear after PCing.

Personal spend: Amex Gold, Amex Schwab Plat., BofA PR+CCR(x2), Costco
Business use: Amex Bus. Plat., BBP, Lowes Amex AU, CFU AU
Perks: Delta Plat., United Explorer, IHG49, Hyatt, "Old SPG"
Mostly SD: Freedom Flex, Freedom, Arrival
Upgrade/Downgrade games: ED, BCE


Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 9 of 9
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