New Credit line with Citi...

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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jcarte29
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New Credit line with Citi...

Postby jcarte29 » Thu Jun 16, 2016 9:56 am

I have been on the sidelines for a while, allowing my new cards from 2014 to age a little bit (I went app crazy that year), and only added two cards (Discover, Marriott) in 2015. So the other night I took advantage of a 21 month B/T offer with Citi on the Diamond Preferred Card.

I read Citi was one of the better (and longest) for B/Ts, and they have good customer service. After I pay it off I could see it as part of the rotation.


Any Citi members have any tales, good or bad, to share?
Portfolio:
CITI Diamond Preferred $7,000 [06-16]
AMEX Platinum (Charge) [11-16]
AMEX EDay $12,000 [11-14]
Lowes Store $15,000 [4-14]
CSP VISA $6,000 [7-14]
GM MC $9,000 [9-14]
AAdvantage Red MC $10,350 [10-14]
Discover IT $4,500 [03-15]
Chase Marriott VISA $5,000 [04-15]
Cap One Quick $2,600[4-10]


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CarefulBuilder14
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Re: New Credit line with Citi...

Postby CarefulBuilder14 » Thu Jun 16, 2016 2:44 pm

jcarte29 wrote:I have been on the sidelines for a while, allowing my new cards from 2014 to age a little bit (I went app crazy that year), and only added two cards (Discover, Marriott) in 2015. So the other night I took advantage of a 21 month B/T offer with Citi on the Diamond Preferred Card.

I read Citi was one of the better (and longest) for B/Ts, and they have good customer service. After I pay it off I could see it as part of the rotation.


Any Citi members have any tales, good or bad, to share?

Diamond Preferred is definitely one of the better options for long-term BTs. I think their non-premium customer service gets a lot of complaints, though. I don't really know much about the easy deals rewards program. I think it involves at least some gift card auctions - so potentially lucrative, but definitely not plain cash back.

I think some people do get targeted statement credit reward promotions.
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

CC Deville
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Re: New Credit line with Citi...

Postby CC Deville » Fri Jun 17, 2016 5:28 pm

jcarte29 wrote:I have been on the sidelines for a while, allowing my new cards from 2014 to age a little bit (I went app crazy that year), and only added two cards (Discover, Marriott) in 2015. So the other night I took advantage of a 21 month B/T offer with Citi on the Diamond Preferred Card.

I read Citi was one of the better (and longest) for B/Ts, and they have good customer service. After I pay it off I could see it as part of the rotation.


Any Citi members have any tales, good or bad, to share?


I have three Citibank cards; a 1998 Diamond Preferred Visa, a 1999 Thank you Premier (was an AT&T Universal) World Elite MasterCard and a 2000 Dividend World Elite MasterCard.

Over the years I have found Citibank to be an agreeable bank. They allow product changes with ease-once they account has been opened a year (except Simplicity, from what I understand they are not able to be upgraded); generally will at least check for APR reductions (they refuse to give them to me but did in the past and currently other customers) and their soft inquiry credit line increases are great-they tend to be smallish but over time add up.

I no longer call their 1-800 number on the back of my cards as I always get a foreign representative (I know, a lot of banks do this) that is difficult to understand and does not have the authority to do much to service my requests (this is true with most banks as well). However, I have since turned to their social media teams on Twitter and Facebook and have been very impressed. Only the best, senior reps can be on the social media team so you know you are getting someone from the States that can assist you.

Another thing I like about Citibank is that they often times are the first bank to bring new technologies to market. My Dividend was my first EMV chip card; got it in June 2011 with no hassle long before other banks even offered them or only offered them to high wealth clients.

Citibank has also really stepped up their game recently in terms of rewards. ThankYou points, while still third place behind Chase's Ultimate Rewards and Amex's Membership Rewards, have become a lot better and easier to use. Then of course there is the Double Cash card that offers 2% cash back.

My only complaint lately with them is their card designs. Citibank has recently redesigned almost all of their cards to be un-embossed with the information on the back. I really do not care for that; when Chase does it I do not mind because it looks upscale, but the Citibank cards not so much. This is subjective of course. I am also anxiously awaiting to see what happens with my Visa. Citibank recently signed an agreement with MasterCard that is similar to what Chase signed with Visa. Chase changed all existing MasterCards (expect IHG) to Visa so I am hoping that Citibank will not change my Visa to a MasterCard. It was my first Visa and I have grown attached to the account number.

I think there are way better cards out there than what Citibank has to offer for the most part; but I think you will be happy with Citibank overall. Do not forget about Citibank's online shopping mall and be sure to check the offers on your account. These work similarly to BankAmerideals and the Amex Offers. I have to admit though that Citibank makes it hard to locate these offers on their website.

CC Deville
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Re: New Credit line with Citi...

Postby CC Deville » Fri Jun 17, 2016 5:48 pm

CarefulBuilder14 wrote:
jcarte29 wrote:I have been on the sidelines for a while, allowing my new cards from 2014 to age a little bit (I went app crazy that year), and only added two cards (Discover, Marriott) in 2015. So the other night I took advantage of a 21 month B/T offer with Citi on the Diamond Preferred Card.

I read Citi was one of the better (and longest) for B/Ts, and they have good customer service. After I pay it off I could see it as part of the rotation.


Any Citi members have any tales, good or bad, to share?

Diamond Preferred is definitely one of the better options for long-term BTs. I think their non-premium customer service gets a lot of complaints, though. I don't really know much about the easy deals rewards program. I think it involves at least some gift card auctions - so potentially lucrative, but definitely not plain cash back.

I think some people do get targeted statement credit reward promotions.


Careful builder, I have been gone a while, I see in your signature that you have the UNFCU card. I assume this was after the failure of the Barclaycard Chip + PIN. How long did it take to get approved by UNFCU? I would love to have a true Chip + PIN card for international travel and I missed the Diners bandwagon.

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CarefulBuilder14
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Re: New Credit line with Citi...

Postby CarefulBuilder14 » Fri Jun 17, 2016 6:47 pm

UNFCU is in the "maybe adding in 2017" part of my sig.
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

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Re: New Credit line with Citi...

Postby CarefulBuilder14 » Fri Jun 17, 2016 9:45 pm

CC Deville wrote:I think there are way better cards out there than what Citibank has to offer for the most part; but I think you will be happy with Citibank overall. Do not forget about Citibank's online shopping mall and be sure to check the offers on your account. These work similarly to BankAmerideals and the Amex Offers. I have to admit though that Citibank makes it hard to locate these offers on their website.

All I see is 5%-20% off Hertz. I don't know how good BankAmerideals are, but I'm not seeing anything like the dozens of (mostly bad) offers Amex cards have.

Are there others I'm missing? If so, how do you find them?

And when I tried to use the mall a few months ago, it gave me an error message. How do you access that?
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

augiedog
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Re: New Credit line with Citi...

Postby augiedog » Sat Jun 18, 2016 12:32 am

The Diamond card could potentially be useful for you after your balance transfer. I regularly get offers for 5% cash back on certain categories, like online purchases, dining, or grocery shopping. Plus, you get it as a statement credit at the end of your statement date, so you don't have to go through any hoops to redeem it.
American Express: Blue Cash Everyday (10k), Everyday, ; Discover It (7.3k) ; Target (2.1k)

Citi: Diamond (2k) ; Bank of America: Cash Rewards (2.6k) ; Capital One: Quicksilver (3k) , Sony ; Chase: Freedom (3.7k), Slate (3k), (Amazon) ; Barclay Ring ; Synchrony: Walmart MC, Amazon, Ebates

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CarefulBuilder14
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Re: New Credit line with Citi...

Postby CarefulBuilder14 » Sat Jun 18, 2016 12:11 pm

Does Premier also have CSRs who are hard to communicate with?

An AA Platinum CSR told me that my card had been returned undeliverable (when it was just still in the mail). She was clueless, but communicated clearly and sounded American.

The point being...I'd be surprised that Citi would use American CSRs for the cobranded AA Platinum but not their own Premier (in the same AF range, but proprietary).

I think I've only called about my AA card twice, though, so maybe I'd have gotten an obviously foreign or hard-to-understand CSR on further calls.
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

CC Deville
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Re: New Credit line with Citi...

Postby CC Deville » Sat Jun 18, 2016 2:29 pm

CarefulBuilder14 wrote:UNFCU is in the "maybe adding in 2017" part of my sig.


D'oh! I see that now.

CC Deville
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Re: New Credit line with Citi...

Postby CC Deville » Sat Jun 18, 2016 2:38 pm

CarefulBuilder14 wrote:
CC Deville wrote:I think there are way better cards out there than what Citibank has to offer for the most part; but I think you will be happy with Citibank overall. Do not forget about Citibank's online shopping mall and be sure to check the offers on your account. These work similarly to BankAmerideals and the Amex Offers. I have to admit though that Citibank makes it hard to locate these offers on their website.

All I see is 5%-20% off Hertz. I don't know how good BankAmerideals are, but I'm not seeing anything like the dozens of (mostly bad) offers Amex cards have.

Are there others I'm missing? If so, how do you find them?

And when I tried to use the mall a few months ago, it gave me an error message. How do you access that?


The BankAmerideals have been pretty good to me-just earned 10% on Sports Authority (RIP) and Chili's. I believe these cash back deals with Citibank depend on the card. I get them with my Dividend and once with my ThankYou when it was a Preferred but I never get cash back offers with my Diamond Preferred.

You can find them by going to the very bottom of the homepage once you've logged in where it says "View More Offers." Or by going to "Account Management" "Rewards & Offers" then "Offers For You." I got quite a few good ones last year around Christmas. Today the best one I see is for Big 5 Sporting Goods, Red Robin and Saks Fifth Avenue. They are not nearly as good as BankAmerideals or Amex Offers but I wanted to make sure OP knew about them just in case they were available for his card.

I think these cash back deals work sort of like your grocery store coupon card; it tracks your spending and then offers deals that are very similar to your spending.



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