Yeah it has. Very similar to the DC just no FTF. Chip + PIN priority has been no issue at all over 2 months and I like the CU so far so decided to fully make the switch.
Honestly I had no really issues with the Citi DC at all, was a solid card for me. I had 2 separate cases of fraud on it, one for $3k that was a little scary and both times they took care of it promptly. Phone app and website are both A+. Customer service was more like a B or so, not including the retention specialist guy I got the end which would bring it to D-. I closed it because it was just going to be $12k of credit on my personal credit report that I never use, would maybe like to use it for different cards.
The experience I had when trying to close it, though, kind of highlights the difference between the 2 cards. I want to focus on building a relationship with SDFCU. It's website and phone app are kind of like C grade, they work but nothing too fancy, customer service B+ so far.
I actually closed down $43,500 of personal credit in Chase cards, too. CSR at $25k, Freedom at $10k, Amazon Prime at $8.5k. CSR will be replaced with USBank Altitude Reserve + Uber, Freedom not replaced, Amazon Prime already replaced with Amex Amazon Prime Business.
My SL when I got the SDFCU card was only $5k, their lowest limit available, but my APR was 11.xx% the lowest they offer. My DTI is really low and credit good, so it made me think that they just didn't like my total available credit. I was going to switch to the Altitude Reserve + Uber combo anyway so I reduced my credit by $55.5k total and am going to ask SDFCU to increase the limit on my Premium Cash Back + and then apply for the Alt Reserve and Uber.
I made a thread in Approvals section about my experience app'ing for the SDFCU card. Long story short is to apply for membership first and get fully accepted before applying for the CC. Doing both at the same time can be...troublesome 
@Anonymous wrote:
So, with the PayPal change looming I was wondering...what would YOU need for a cash back percentage from a card, on all purchases, to get you to use this fictitious card as your one and only. 3%? 4%? 5%? More?
I’d need 3.5%-4%. On every single purchase. All the time.
I see a card that does that I forget everything else and use that card only.
There's no card that would make want to have only one card.
1. I don't trust lenders. To me diversification is important.
2. Not all cards are for cash back; some are for travel rewards; some are for lower interest, and less fees.
3. I wouldn't want everything I owe to have the same due date.
4. The percentage of cash back is not the only factor I would consider in a cash back card; other factors are whether there is a redemption minimum, the timing of the reward issuance, the categories or lack of category requirements, the type of spending I'm likely to do, and the quality of the lender.
