Citi Product Change: How To Change Citi Credit Cards?

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MrMosby
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Citi Product Change: How To Change Citi Credit Cards?

Postby MrMosby » Thu Mar 15, 2012 10:22 pm

Does anyone know if Citi discontinued card product transfers?

I have a Citi simplicity card which I got in college and racked up $10k of debt on as a drivers edge card and had since transferred it to a couple different card types and finally ended up on the simplicity card since it was the lowest rate.

I have since paid off the last $9000 of that card 2 weeks ago, and I wanted to switch it to a product that has rewards. I don't have bad credit, in fact my pay off still hasn't hit my credit report and I have a 750 FICO score (which it should jump quite a bit).

So I'm curious if Citi just plain stopped doing transfers or if I did something to piss them off.
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PlatinumAMEX94
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Postby PlatinumAMEX94 » Mon Mar 19, 2012 7:28 pm

If you want to change your card you need to call customer service and ask them for a product change. As you have a balance transfer card and you are wanting to go to a rewards card, they may have you close that account and open a different one.

Citibank or any other bank for that matter is not going to solicit you to change from one credit card to another. The only thing they would do is invite you to apply for additional accounts, which is probably what they will have you do if you want another card.

Have you actually inquired with Citibank or was it your assumption that you pissed Citibank off?
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bisbicos
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Postby bisbicos » Mon Mar 19, 2012 9:50 pm

I was wondering the same thing as well. Let me know when you speak to Citi what they decide
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Postby JCarter » Wed Mar 21, 2012 12:03 am

In my experience, some Citi customer service agents just have no clue what they are talking about. Try to call them back and ask for a supervisor if they tell you they do not offer them.

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Postby MrMosby » Mon Dec 10, 2012 2:02 pm

So this is a long over due reply. Turns out because they gave me a lower interest rate they couldn't immediately convert my card because of the CARD act.

They were able to do it and I was able to get some rewards.
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