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I called citi yesterday to ask about product changing my diamond Preffered and the csr said I can change to "any" card I like ..... Preferably I want to keep it no-AF so I was looking at double cash or thank you Preffered !? Are thank you points better than cash back ?! Another option was the no fee HHonors , but I have the Hilton amex no fee as well :/ I don't know what to do , I want to show citi some love cause they where the first ones to approve me for a good credit card 2 yrs ago but with all these other cards , freedom , discover , bofa cash , the diamond has been SD until yesterday I purchased something at Dairy Queen with it just because I forgot my Hilton amex at home that gives me 5% on restaurants
@aav wrote:
Good question. I'm in the same position. I've had the card for two years. It was the first card I got on the rebuild. So I'm a little sentimental about it.. Even though it's the lowest credit line I have.
The double cash card sounds good. I don't care for its appearance
lol but the benefits sound good. I've also thought abt the Hilton honors... But think I would prefer the Amex version.
I feel you about being sentimental about putting it on the chopping block , the Hilton amex seems to be no diff than the citi Hilton (no fee versions) , of course if you get the amex bonus that's when it makes the diff . But you won't get bonus when you pc :/ it's also one of my lowest credit lines too
I did a PC from Dividends to the Double Cash. I am not looking back! The 2% is nice and Citi is technically my oldest line so I do have sentiment to it as well. The card, IMO, looks better in hand than on the site.
@Anonymous wrote:I called citi yesterday to ask about product changing my diamond Preffered and the csr said I can change to "any" card I like ..... Preferably I want to keep it no-AF so I was looking at double cash or thank you Preffered !? Are thank you points better than cash back ?! Another option was the no fee HHonors , but I have the Hilton amex no fee as well :/ I don't know what to do , I want to show citi some love cause they where the first ones to approve me for a good credit card 2 yrs ago but with all these other cards , freedom , discover , bofa cash , the diamond has been SD until yesterday I purchased something at Dairy Queen with it just because I forgot my Hilton amex at home that gives me 5% on restaurants
At the very least, you can get 1:1 cash back from TYP from mortgage/student loan redemption. The best value is when you redeem for travel, but I believe you need to be carrying a Thank You Premier or Thank You Prestige to really take advantage of those redemptions. Unless you plan on getting one of those cards as well, I think the DC is your best bet.
And I agree that the DC looks much better in person. I just wish the card itself was a bit more sturdy. But perhaps I've just been spoiled from using my CSP so much
How long does it take for the the PC to happen ?!
@MstrPTato wrote:I did a PC from Dividends to the Double Cash. I am not looking back! The 2% is nice and Citi is technically my oldest line so I do have sentiment to it as well. The card, IMO, looks better in hand than on the site.
I was able to use my current card with the new PC terms the same day I called in. They sent me a new card and number within the week.
So if you PC with Citi, they will keep your history with them on the new card?
How about Capitol One? I have 2 old starter cards with Citi (5 years old) and Capitol one (7 years) and both recently gotten new prime cards with each of the bank I wanted to do a credit limit transfer then close the starter cards but both Cap 1 and Citi said they couldn't do that. My Cap1 Plat and Citi Diamond Preffered are usless to me except for their lenght of history. I want to close at least one of them or PC them.
Citi does keep the history on the account and it will show the original open date on your credit reports. I would assume others follow suit as it is a product change and not a new line of credit.
With Citi its always good to APP for the lowest apr card like Diamond Prefered and PC it later on for more rewarding card when 0% apr ends