ArcAngel

There is a small possibility it is lost or delayed in the mail. Is Barclay's intentionally holding the check? No. What I usually see is the credit union or originating bank not putting the full credit card number on the check. Even if you give them the full number, they decide for 'security' to not put the account number on the check. The other possibility is they mailed it to a customer service center. The service center will then interoffice mail it to the payment facility. Just what I tend to see in my vast, daily experience with this same issue. You might call and ask Barclay's what they do if they get a check with an incomplete account number on it.

This is a positive. They are looking to verify your home address. That is all. It's just to prevent fraudulent applications and identity theft.

Yes. Citi has non-world versions of both of these cards. Your card numbers will change. The World Platinum AAL with the $85 fee would go to the Gold AAL card with an $85 fee. The Cash Returns World card will just go to a Cash Returns card. If you were part of the recent APR increases, you might have to get a supervisor to make the change. Otherwise any one at customer service can make the switch for you.

Well. I have some bad news. But this was a good scenario and would have worked 6 months ago. You can't 'fight' for a lower rate when you have rejected the terms. You can only accept the new terms and then ask for a lower APR. A lower APR isn't likely at this time. Your idea of doing the balance transfer in your checking and using those funds to pay the first card will work fine. However... more bad news. Citi will not allow you to move a credit line on to a card that has a promotional balance transfer on it. Not before the transfer or after the transfer. If there is a transfer offer, you can't move credit line onto that card.

( Promotional Rate Minimum Term- No increase in any annual percentage rate applicable to a credit card account under an open end consumer credit plan that is a promotional rate (as that term is defined by the Board) shall be effective before the end of the 6-month period beginning on the date on which the promotional rate takes effect, subject to such reasonable exceptions as the Board may establish, by rule.'. `SEC. 172. ADDITIONAL LIMITS ON INTEREST RATE INCREASES. This is part of the Card Act. The promotional offers have to be a minimum of 6 mos now. That explains why the 3 mos promotion is no longer available. I don't know about the closures at this time.

The BT for life offers are not impacted by the change in terms.

My understanding was it has to do with how banks are interpreting the Card Act. Combing cards could move a balance from a lower apr to a higher apr or cause a promotional offer to end early. Now, I know you could say .... but if the card closing has a zero balance it shouldn't matter. But too much hassle for now. Easier to stop it altogether. It might comeback later with new rules clarifying when it is allowed. Some still allow you to move a credit limit by decreasing one and increasing the second by an equal amount. It's a legal issue. Not a balance control plan.

Break it down by monthly change in finance charges. 6% divided by 12 months times 2200 = around 11 in f/c each month. 13.24%/12*2200=24.28 in f/c. So, it might be worth an extra 13/mo to keep the card. Of course that will go down with the balance. Credit cards might get even harder to come by and they might be glad they kept it. The smaller the balance, the more likely I'd be to keep the card.

India didn't mess it up. It won't 'qualify' to convert based on low payments or if you were selected for the recent change in terms. A supervisor will override that for you.

If the mail room gets a returned Change in Terms, they remove it. Address unknown.

Unless something has changed, Citi doesn't report secured cards unless they go past due.

OCL fees used to be fair when they were only charged if a purchase put the account OCL. But then the banks started charging them if the monthy F/C put the account OCL. That's why the OCL fees got regulated too. There were two sets of 29.99 RJ's in this round. The one set closes immediately if you reject the terms. The second set stays open until the card expires. So when you post that you got the change in terms notice - tell us which one you got. And if you want - your existing APR and balance. The APR and balance had nothing to do with the selection, but it will help decide what's best for you.

I think this is people who are already in default. This is the people whose notice says they can keep the card open until it expires. Not the group whose cards close immediately. But at the end of 6 months it goes to 29.99. That's a big gamble.