Checking in for the cult.
I am out of the garden. Recently I was approved for Citi ThankYou Premier, so I should be able to transfer all my points on Forward elsewhere. Used the pre-approved application and APR is hefty 22.99% immediately, and credit limit is $5000.
Meanwhile, my Citi Forward got a CLI so the limit went from 3.5k to 5k. Moreover, since Discover has made some improvements on their CLI page, I was able to get into that page without the "sorry, we are unable to process CLI online, please call blah blah blah" message, and was approved a $2500 CLI without an inquiry.
I am sorry about the adverse actions Citi has taken on you. FWIW, they do suck, even though it looks like I am sticking to them (their rewards system). My first, ever, contact to their EO was not as smooth as I expected. Because my Forward had $5k limit, I made a phone call to them and ask if they could change the card to Visa Signature. They told me I have to apply for another product that is Visa Sig, and my card cannot be upgraded. Even mentioning some people have done the conversion
didn't work. They basically told me a Signature version is not available. When mentioning that I do have seen photos of a Visa Signature Forward
, still no avail. During that time I felt like they are doing nothing more than reading scripts, like "you have to apply for a new card and get qualified", "if you want to convert, we can close your account and let you apply for a new one", something like that. They insisted there was no option when reviewing my account, and the "Signature card" is a different type of product, and "we offer a variety of card products" or so. By the end, I asked "so there are two different versions of Citi Forward, and the version I am having is not eligible?", and they said "right". Waste of time, for real.
I am glad you finally kind of got out from them and are able to seek for something more valuable (at least not wasting life). For me? Still thinking about how to complete the sign-up bonus while not yet received my card...