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sarg

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  1. Just reporting back. Received new DC cards this week. One thing that caught my eye is that my 6.24% TY APR carried over to the new DC card. Don't intend to revolve anytime soon, but it's nice to know that I won't be shafted should I do so Been with Citibank a long time, account has been open for 25 years. Having a older product, one day a Diamond Preferred card showed up in the mail and the letter said "here's your new card". Citibank converted my card on their own and kept the same account number, TL on reports unaffected. Now, I am thinking about doing a PC from Diamond Preferred to Double Cash for the cashback. The CSR said they would be happy to do the conversion but the account number would change. If I go through with a PC to Double Cash, I don't want my oldest open TL to show closed on my reports and affect my FICO. On a PC with Citibank, is a new TL inserted or the current open TL just updated? If you speak to a regular CSR they will screw it up for you, but if you call the UW's they can do the conversion for you with no problems. I've had no issues with PC's with Citi from the Reg CSR channels. If you don't feel comfortable through reg CS rep, just request a supervisor to do it for you. IMO, no reason to speak to an UW. Right. So what happened to the TL on your reports after PC? New TL after converted card, closed prior card? The CSR did transfer me to a "specialist", but I was told that the Double Cash card would be a new account number. My current card is a 25 yr old reported TL and I do not want it closed
  2. Just reporting back. Received new DC cards this week. One thing that caught my eye is that my 6.24% TY APR carried over to the new DC card. Don't intend to revolve anytime soon, but it's nice to know that I won't be shafted should I do so Been with Citibank a long time, account has been open for 25 years. Having a older product, one day a Diamond Preferred card showed up in the mail and the letter said "here's your new card". Citibank converted my card on their own and kept the same account number, TL on reports unaffected. Now, I am thinking about doing a PC from Diamond Preferred to Double Cash for the cashback. The CSR said they would be happy to do the conversion but the account number would change. If I go through with a PC to Double Cash, I don't want my oldest open TL to show closed on my reports and affect my FICO. On a PC with Citibank, is a new TL inserted or the current open TL just updated?
  3. online BT to checking account takes about 24 - 48 hours helps if you're trading Citi's stock with the funds
  4. yes. I starting getting these BT offers a few months ago. each month, i get two offers. 1) 0% until xx/xx/2010 2) 1.99% until xx/xx/2010 (at longer term) both BT offers include 3% BT fee up to $50 like i said, YMMV. I do not revolve card balances and i do not let balances report on my CR. I've had only one Citi card for about 18 years.
  5. As an existing Citi cardholder, BT fee is 3% capped at $50 per transfer. YMMV
  6. Just watch your spending, keep reported card balances low and do not apply for new credit. Remember, part of the full doc mortgage app process is to provide account statements checking, savings, brokerage, etc. Lenders could question large payments in your checking account.
  7. If statement balance is 0, it says no payment due with no due date. I pay on statement date each month
  8. Never had a problem here. I pay on day the statement cuts every month. first statement cycle for the card prevents you from paying early. After that, no issues.
  9. i was advised on my June statement...going from 9.25 to 12.25
  10. AMEX makes ton in transaction fees from me, but no interest since I PIF. AMEX is my primary card

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