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I am wondering if anyone else has experience/advice to offer on this predicament. I have 6 cards, listed below for reference:
Bank of America Cash Rewards Visa Sig $10k/9.99 (6/2010)
Citi Diamond Preferred MasterCard $10.2k/11.99 (10/2012)
Chase Freedom Visa Sig $10k/15.24 (1/2012) (Call in to the EO about reducing the APR, given how much I spend, good luck to me though with Chase's stubbornness)
Amex BCE $12.6k/10.24 (9/2011)
Barclay Ring MC $5k/8.0 (4/2012)
Discover IT $19k/11.99 (9/2012) (Yes, subprime Discover loves to give me $4-5k soft pull increases every few months!)
Anyway, the Diamond Preferred is a good "backup" MC to keep in my wallet in case a purchase gets declined on a Visa card. I would like to have the World benefits, and mainly, I want it because there's no reason with my profile, limits, etc... for me to not have it (I had a Dividend card I closed because I got mad at Citi two years ago, which had a lower limit and was still a World card).
I've seen some people meet success just requesting a World card via phone (as I did with my previous card), but this time I am having no luck.
I've called the regular numbers, and even the EO & Twitter. When I find someone who even understands what I'm asking, they just start rattling off a list of annual-fee carrying airline cards I can convert to that are World cards. They've also told me you can only get offered the upgrade, which just doesn't sit right with what else I've seen. My conclusion is that Citi is pushing World/Sig away on no-AF cards, as it seems like anything without an AF (TY Preferred Visa, DP Visa, Simplicity Visa), is marketed as a regular Visa, while the AF cards are marketed as Sig cards.
Does anyone have an idea as to what I can do? Can I convert to a Dividend card if it isn't offered anymore? Is there anything I could do to get this converted to a World card?
A very frustrated smc733
My 350th Post!!
Final step for the DW for 2014. Approved for $13K on their 11.99% Diamond Preferred, HP on EQ.
Exp : 789
TU : 798
Eq : 806
Over the last fourteen day app spree, she's scored:
AMEX EDC - $9,400 to $28,200
NFCU Flagship - $10,000
NASA Visa - $13,000
BECU - $25,000
BOA - $8,200 > $16,400
USAA - $16,000
Citi - $13,000
For a total of $104,000 in new credit!
She did apply for a second NFCU card, that's still under review.
Off to the garden till next year for some CLI requests. (I know, a lot of GIF's, just celebratin' a little , ok, a lot! )
My DW emailed the Citibank CEO asking for a goodwill deletion. They called her to get account info, then responded by letter a few days later that stated in part:
Do you think hey misunderstood our request? We are asking for deletion from the Credit Bureaus, not from their own internal records.
I paid this debt off in settlement before I knew about the wonderful creditboards. I was bullied by Rubin & Rothman LLC associate that they will sue blah bah blah, that kept calling my phone, and eventually I agreed to pay $10,000 on $20.000/50% debt over a 6 months term. I paid the debt off as agreed. but Citi Card still reporting negative on CRA account... To add insult to injury I was hit with a Forgive Fed. Debt by the IRS ($7,600) for both NYC Federal ($1,212.58 paid) & NYC State ($1,000.3 still pending just received it last week). Collectively I paid more than half. If I knew what I knew now I would have just negotiated a deal with Citi Bank and paid for deletion... Any input will be greatly appreciated....
Address Identification number: Blank
Status: Piad in Settlement. $20,339 written off.
Status Details: This account is scheduled to continue on record until June 2015.
Date Opened: 06/2004
Reported Since 06/204
Last Reported: 03/2010
Credit Limit/Original Amount: $18,210
High Balance: $20,339
Status Details: This account to continue or record until June 2015
Comment: Account paid in full or less than full balance