Received unsolicited Amex from Citi as a companion to my Signature Visa

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Received unsolicited Amex from Citi as a companion to my Signature Visa

Postby Iroquois » Tue Mar 01, 2011 8:10 am

Just received a companion card, an American Express on my Citibank American Advantage Account. The cards came unsolicited and were an "improvement" on the existing account accessing the same credit line/ spending limit. New Visa with same account number was also included in the package, most likely so that I wouldn't be confused into thinking that the Amex was a new account or a replacement.

BTW, each time I get something from a card company, and I have accounts with Bank of America, Citi, Chase, Amex, Capital One, and Discover, I continue to be amazed that all accounts have credit lines at least 5 times and in some cases 15 times the level established by Discover due to Discover's uncorrected internal error. It is always nice though to see competitive and creative marketing from the institutions who do it.

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Mogul of Pineapples
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Postby Mogul of Pineapples » Fri Mar 04, 2011 10:14 pm

That is highly unusual and I can't think of why Citi would do that. This is a total guess but it might have something to do with the antitrust settlements American Express had with the major banks, whereas in the future both Visa or MasterCard and Amex had to be offered to customers at all of the top banks. If there aren't enough customers voluntarily asking for Amex would it be possible that Citi is issuing them involuntarily to meet a requirement from the settlement for a set number of Amex cards that had to be issued? Again, I would like to reiterate this is speculation.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
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