Got My New Citi Double Cash Card. PC Went Well!!!

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Dylan1982
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Got My New Citi Double Cash Card. PC Went Well!!!

Postby Dylan1982 » Fri May 08, 2015 10:25 am

So as you all know from my last thread I was looking to get advice on how to do a PC and go to the new DC card. Well, finally yesterday I had some time.


Yesterday, I called just the regular CS line to speak to a CSR, explained what I wanted to do. The CSR knew what I wanted to do, but wasn't sure if I could switch both my Thank You cards (Visa and MC) to the DC, so the CSR transferred me to her Account Manager.


Account Manager got on the phone and knew exactly what I wanted to do. She was able to get it done no problem! There were a couple things to note though..


1) I had to run credit for the new DC card for doing a PC only because she was taking my line of credit from my TY Visa. That kind of sucked. Also, I kept the TY Visa open, did not want to close it. Also, she informed me that there needs to be a min. of $2k CL on the card to keep it open. My CL on this card is $6.4k. So she transferred $4.4k of my CL to the new DC card.

2) The TY MC that I have, the acct number and everything stayed the same with the new DC card, I kept the same line of credit ($4,600) plus added the line of credit from my TY Visa ($4,400). So now my new CL for the DC card is $9k. That is ok. With my Freedom card, I am at $12.5k CL.

3) I am hoping that I will get a good CLI now that this card will be my daily card. I did put in a call to the Account Manager that handled my PC yesterday to see since she ran my credit yesterday, I want to see if she can get me a CLI.


So all in all I am happy. Simple PC, got to keep my same acct number as before (6/2012) so no new accts were added which is good for credit. Plus I was able to take the majority of my CL from the TY Visa and combine it with my new DC card!!!!!


Just logged onto my acct, and the new DC card with the $9k is already in place!
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: Got My New Citi Double Cash Card. PC Went Well!!!

Postby Vermonster » Fri May 08, 2015 1:22 pm

Congrats +1 (for nixon)

It sounds like th HP was worth it though because you got a valuable card without taking a hit for a new account. The HP will only take about 6 months to go away whereas the new account will always be affecting the score. Besides, now you have incentive to garden for at least 6 months.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

Dylan1982
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Re: Got My New Citi Double Cash Card. PC Went Well!!!

Postby Dylan1982 » Fri May 08, 2015 4:30 pm

Vermonster wrote:Congrats +1 (for nixon)

It sounds like th HP was worth it though because you got a valuable card without taking a hit for a new account. The HP will only take about 6 months to go away whereas the new account will always be affecting the score. Besides, now you have incentive to garden for at least 6 months.

Yes I agree the HP was worth it, especially like you said, I got a new card with the same OLD card history and didn't have to establish a new account.


Ok, I am definitely a newbie when it comes to this. But what is gardening? How am I able to garden now bc I got a HP on my credit?


Another I just noticed, now that I got the DC card, my APR was lowered!
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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CarefulBuilder14
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Re: Got My New Citi Double Cash Card. PC Went Well!!!

Postby CarefulBuilder14 » Fri May 08, 2015 6:38 pm

What sort of bonuses - public or targeted - does Citi offer when someone gets Double Cash as a new account?

I'm not considering one...just curious.
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

Vermonster
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Re: Got My New Citi Double Cash Card. PC Went Well!!!

Postby Vermonster » Fri May 08, 2015 7:17 pm

CarefulBuilder14 wrote:What sort of bonuses - public or targeted - does Citi offer when someone gets Double Cash as a new account?

I'm not considering one...just curious.


At this point nothing. Which is another reason that a PC makes sense.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

rockyrock
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Re: Got My New Citi Double Cash Card. PC Went Well!!!

Postby rockyrock » Sun May 10, 2015 9:43 am

Vermonster wrote:
CarefulBuilder14 wrote:What sort of bonuses - public or targeted - does Citi offer when someone gets Double Cash as a new account?

I'm not considering one...just curious.


At this point nothing. Which is another reason that a PC makes sense.



That's why I did a PC as well. No sign on bonus and this way I maintained my history earned by the old card.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

Dylan1982
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Re: Got My New Citi Double Cash Card. PC Went Well!!!

Postby Dylan1982 » Sat May 16, 2015 8:46 am

Ohh yeah... My Citi DC Card arrived yesterday! :cool:


I cannot wait to use it daily, I hope Citi is gracious enough like Chase and will give me a couple off good auto CLI. My Freedom is at $12.5k and my DC card is at $9k.


I opened my Chase card is 2/2013 with a $5k CL, and as of today, my CL with Chase is $12.5k.. Not too 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)

Vermonster
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Re: Got My New Citi Double Cash Card. PC Went Well!!!

Postby Vermonster » Sat May 16, 2015 10:45 am

Dylan1982 wrote:I opened my Chase card is 2/2013 with a $5k CL, and as of today, my CL with Chase is $12.5k.. Not too bad....


That is pretty awesome, especially because most of us have to take a HP for Chase to even consider a CLI. I was approved for a CSP and Chase needed to do another HP for the CLI on my Freedom, even though it was on the same day!
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k



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