Citi Double Cash Card... Couple of Questions

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Dylan1982
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Citi Double Cash Card... Couple of Questions

Postby Dylan1982 » Wed Apr 29, 2015 1:43 pm

Currently, right now with CitiBank I have the Thank You Preferred (Security chip Visa) and Diamond Preferred MC (now Thank You MC with Security chip).


TY Visa = $6,400 CL
TY MC = $4,600 CL


Since obtaining those two card I hardly use them as I use my Freedom card FOR EVERY SINGLE PURCHASE (bill gets PIF every month). I started with a CL of $5k 2/2013. As of today, my CL is now $12,500! Again I use this card for EVERYTHING!!


So here is my question, today in the mail I got an app for the Cit Double Cash Card. I like the sound of the card. Now for my question: Can I do a product change with my already two active TY cards and change them for the Citi Double Cash card? Can I take the 2 CL and transfer them to the DC card? If I wanted to do a product change, does any one have a backdoor number for me to contact someone???


Because if I can do that, then I would get rid of my Freedom card, then go from two unused cards (two TY card) and go to the DC card...


I have great a great credit score and great payment history with Citi, not an active one since I use my Freedom card, but its flawless
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)


Nixon
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Re: Citi Double Cash Card... Couple of Questions

Postby Nixon » Wed Apr 29, 2015 1:46 pm

What APR is on your mailer?

What APR are your current Citi Cards?
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Dylan1982
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Re: Citi Double Cash Card... Couple of Questions

Postby Dylan1982 » Wed Apr 29, 2015 1:53 pm

Nixon wrote:What APR is on your mailer?

What APR are your current Citi Cards?

Kind of curious, but what does the APR have to do with my questions that I am asking? The APR is irrelevant... Plus, I don't really care with the APR is as I ALWAYS PIF every month... I don't ever carry a balance......
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)

Nixon
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Re: Citi Double Cash Card... Couple of Questions

Postby Nixon » Wed Apr 29, 2015 1:59 pm

Dylan1982 wrote:
Nixon wrote:What APR is on your mailer?

What APR are your current Citi Cards?

Kind of curious, but what does the APR have to do with my questions that I am asking? The APR is irrelevant... Plus, I don't really care with the APR is as I ALWAYS PIF every month... I don't ever carry a balance......



Well. It will make the difference whether it is better to apply for a new card and consolidate vs PC and consolidate.

Both will incur at least one HP.
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Dylan1982
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Re: Citi Double Cash Card... Couple of Questions

Postby Dylan1982 » Wed Apr 29, 2015 2:08 pm

Nixon wrote:
Dylan1982 wrote:
Nixon wrote:What APR is on your mailer?

What APR are your current Citi Cards?

Kind of curious, but what does the APR have to do with my questions that I am asking? The APR is irrelevant... Plus, I don't really care with the APR is as I ALWAYS PIF every month... I don't ever carry a balance......



Well. It will make the difference whether it is better to apply for a new card and consolidate vs PC and consolidate.

Both will incur at least one HP.

I rarely use the 2 CitiBank cards right now as I use my Freedom card for ALL my purchases.

I just did a "live" chat with a representative from Citi, what a joke lol. the CSR rep said they cannot do a PC and transfer my CL from my 2 TY cards.


So does anyone have a "backdoor" number for Citi Bank?
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)

Nixon
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Re: Citi Double Cash Card... Couple of Questions

Postby Nixon » Wed Apr 29, 2015 2:10 pm

Chat appears to be useless for anything but APR reductions.

So neither of your cards is "available" to PC?
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Dylan1982
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Re: Citi Double Cash Card... Couple of Questions

Postby Dylan1982 » Wed Apr 29, 2015 2:17 pm

Nixon wrote:Chat appears to be useless for anything but APR reductions.

So neither of your cards is "available" to PC?

Correct, during our chat the "CSR" said my cards are not available for a PC...

I found a Retention number for CitiBank, called it, but says they're closed... LOL ummm ok..... (800) 444-2568
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)

Vermonster
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Re: Citi Double Cash Card... Couple of Questions

Postby Vermonster » Wed Apr 29, 2015 3:27 pm

From What I have heard, it is easier to app for a new card and try and convince them to move CL around. Some people have success with it, others do not. But I have never heard of Citi granting a PC unless it is to try and get someone off of an older card like the Forward.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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CarefulBuilder14
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Re: Citi Double Cash Card... Couple of Questions

Postby CarefulBuilder14 » Wed Apr 29, 2015 7:35 pm

Dylan1982 wrote:Because if I can do that, then I would get rid of my Freedom card, then go from two unused cards (two TY card) and go to the DC card...

I would not be in a rush to close Freedom. Even if you don't get a CSP, the 5% categories and the shopping portal can be very good.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Dylan1982
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Re: Citi Double Cash Card... Couple of Questions

Postby Dylan1982 » Wed Apr 29, 2015 7:56 pm

CarefulBuilder14 wrote:
Dylan1982 wrote:Because if I can do that, then I would get rid of my Freedom card, then go from two unused cards (two TY card) and go to the DC card...

I would not be in a rush to close Freedom. Even if you don't get a CSP, the 5% categories and the shopping portal can be very good.

Bad choice of words. I wouldn't get rid of my Freedom card (never close it out). I would sock draw it. My bad.
Chase Freedom - $12,500 (2/2013)
GM Card - $7,700 (7/2002)
CitiBank (Thank You Preferred) - $6,400 (6/2012)
CitiBank (Diamond Preferred) - $4,600 (6/2012)
Rogers & Hollands - $3,300 (3/2006)
Target REDcard - $3,000 (11/2014)
BestBuy - $1,600 (9/2003)
Discount Tires - $1,000 (2/2004)
Kohl's - $300 (4/2012)



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