Product Change on oldest card

aav · ‎10-12-2019

I have many cards.. my oldest is the citi diamond preferred.. it’s also the card with the lowest credit limit, but that’s beside the point. I don’t use the card much but don’t want to cancel it because I know credit age is a factor in my credit score. My question is, if I product change to citi rewards, will that be the same as cancelling? How will that affect my score?

EQ - 834 TU - 823 EX - 822
Amex NPSL Amex BCP - 25,000, Amex EDC - 12000, Diner's Club Premier -35,000, Ritz Carlton - 22,500 Discover 25,100, Chase Reserve -31,000 Total Rewards 13200, Barclay 10000 Citi Diamond P 8,900

ficosuave · ‎10-12-2019

PC'ing with Citi may result in a new card number, but all of your account history and age will be retained.

Anonymous · ‎10-12-2019

@ficosuave wrote:
PC'ing with Citi may result in a new card number, but all of your account history and age will be retained.

2nd this.

wasCB14 · ‎10-12-2019

Citi can occasionally do weird things. When I PCed from AA Platinum Select to Costco, they kept the older account open, but also created a new account on my EQ with the date of the PC. EX and TU just show the older account.

I never bothered to dispute it as it never harmed an app.

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
SUB chasing: AA Platinum Select

Anonymous · ‎10-12-2019

@ficosuave wrote:
PC'ing with Citi may result in a new card number, but all of your account history and age will be retained.

My experience with Citi and several PCs since 2001 shows an 18 year history with the card.