Citi credit cards

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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rohnin
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Citi credit cards

Postby rohnin » Sun Dec 22, 2013 10:21 pm

I currently have a Citi Platinum AAdvantage World Mastercard and Citi Platinum AAdvantage World Visa card. Annual fees are $95/year. They won't let me consolidate them into one card, so I'm thinking of upgrading one to a Citi Executive AAdvantage World Elite Mastercard and canceling the other (because my AMEX Platinum apparently is ending the AA lounge access). Would I be able to get a promotional AA point bonus by doing this, and is it a good idea? Credit limits are $33k and $15k on the current cards. I really don't need two of the same card, even though one is a MC and the other a Visa


samhradh
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Postby samhradh » Sun Dec 22, 2013 11:13 pm

rohnin wrote:They won't let me consolidate them into one card


Do you mean they won't let you 1) combine your CL and 2) PC to the Exec? If that's the case, I would PC your card with a higher CL and/or decide if you want a MC over a Visa. Assuming they are going to let you PC.

rohnin wrote:Would I be able to get a promotional AA point bonus by doing this, and is it a good idea?

If you have not had the Exec in the past year you should qualify for sign up bonuses. However, be sure to find out if PC'ing invalidates this. You may need to do a fresh sign-up. Sure it's a good idea! Who doesn't like bonuses!?
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

rohnin
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Postby rohnin » Sun Dec 22, 2013 11:57 pm

Well I called, they will let me PC but won't include the bonus. i want to keep my member since year, so signing up for a new card and canceling both wouldn't seem that attractive. hmm

samhradh
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Postby samhradh » Mon Dec 23, 2013 5:23 pm

If it were me the bonus would be a lot more attractive than a card saying "Member since." They don't backdate like AmEx? Shame.

I would do a fresh app for the Exec, get the bonus. Then in six months or whatever ask to get one of your CL transferred. Others have done it successfully.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

trainypooh
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Postby trainypooh » Tue Dec 24, 2013 10:12 am

samhradh wrote:Do you mean they won't let you 1) combine your CL and 2) PC to the Exec? If that's the case, I would PC your card with a higher CL and/or decide if you want a MC over a Visa. Assuming they are going to let you PC.


Sorry for my ignorance, but what does PC mean?
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thom02099
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Postby thom02099 » Tue Dec 24, 2013 10:21 am

trainypooh wrote:Sorry for my ignorance, [color="red"]but what does PC mean[/color]?


PC=Product Change. Card companies allow the movement from one card to another within their family of cards, without having to re-apply, and will also allow the movement of credit limits on cards from one to another. One can move, for example, from a Citi Thank you card to a Diamond Preferred card, or vice versa, and move any credit limit on either card to the other. Or one can combine several cards into one, and move all the CL to that one card. Each card company has their own rules for this, and with everything creditwise, YMMV as to what you can accomplish.
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jumbo
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Postby jumbo » Mon Jan 27, 2014 4:36 pm

I was thinking of combining two citi cards into one as well. Currently I have TY Preferred and Simplicity. In a perfect case, I'd like to transfer my limit to TY P and close simplicity. I know TY Preferred is a NPSL card, but there is a limit that is reported to the bureaus. And I'd like to combine credit limit and increase that reporting limit.

I have read a lot of negative stories on citi card consolidation. Does anyone have any successful experience in combining the credit limit into one card. If yes, please share how did you achieve this.
I just talked with a citi CSR and he flat-out said no.
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chas0039
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Postby chas0039 » Mon Jan 27, 2014 5:40 pm

jumbo wrote:...Does anyone have any successful experience in combining the credit limit into one card. If yes, please share how did you achieve this.
I just talked with a citi CSR and he flat-out said no.


Don't know if this will help, but I hit an upper credit line limit with them and they allowed my to add a second identical card with an additional limit.

Techno4K
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Postby Techno4K » Mon Jan 27, 2014 11:37 pm

chas0039 wrote:Don't know if this will help, but I hit an upper credit line limit with them and they allowed my to add a second identical card with an additional limit.


What is their intermal maximum CL?

chas0039
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Postby chas0039 » Tue Jan 28, 2014 8:08 am

Back when I did this it was close to $25k. It could be different today



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