Then you understand wrong. Any hard hit to your credit score stays on your reports for up to 2 years. Only soft hits have less impact. Since the application would be requested by the applicant, it would qualify as a hard hit - regardless of balance.
What about if you are switching from one card with them to another(downsizing benefits so to speak)?
If you refer to "conversion" from one card to another card within Citibank, there is no inquiry at all. The process usually takes less than 5 minutes and all CSRs are quite familiar with this process. Just say you want to convert your xxx card to yyy card.
Quote:
Originally Posted by veganmacrochick
What about if you are switching from one card with them to another(downsizing benefits so to speak)?
If you refer to "conversion" from one card to another card within Citibank, there is no inquiry at all. The process usually takes less than 5 minutes and all CSRs are quite familiar with this process. Just say you want to convert your xxx card to yyy card.
Well I was on the phone with one rep and she said in order to downgrade or whatever it's called I would have to do another credit check. Perhaps I should have rang back to speak to someone else?
Jusy say "I want to convert my XXX card to YYY card". I have done this for four times...no problem at all. And it took me less than 5 minutes. And of course, no credit inquiry (i.e. credit check) at all.
There are several factors that affect one's credit score, and there is misinformation / oversimplified information within this thread. Since this is the American AAdvantage Forum, and not a credit score and financial advising forum, I will merely say there's some reasonably decent consumer education about credit scores on the consumer website of the folks who developed the original algorithms and scoring, Fair Isaac Corp., here.
(They sell services, but the information is free.)
Now, back to the original topic of Citi and fulfillment of various promotional conditions...
__________________ Lend a hand up with Kiva; far more than a hand out.
I gave it up and didn't want to bother arguing with them to get the bonus 5,000 miles after the 1st anniversary (though I still keep a copy of the promotional information). So I converted my AA card before the annual fee hit me.
What I did instead is apply a Citi AA Debit for my Citi checking account. I believe that before Sep 30 (not sure now) you can get bonus 10,000 miles with $25 annual fee (Of course, I will cancel it after the mileage is posted). It's much better than the 5,000 bonus miles with $50 annual fee for the renewal.
Hi,
Just an update on my 5000m bonus.
1. Obtained card 9/1/06.
2. Called on 9/1/07 (1st Anniversary Date) for 5000m bonus. Told to wait 12 weeks after anniversary date for bonus to post.
3. Called today (12/5/07) and was told by CSR that the promotion is not only is not on my account - but she "checked with a supervisor" and was told this promotion never existed! I asked to speak to the supervisor - at which point she was taken aback and transferred me. Supervisor - not the one she "spoke with" apparently - immediately saw the promotion on the account, put in a request to have the miles credited, and was told they will post within 7-10 days.
Of course, I'm omitting that I had to call twice back in September before a CSR even understood what I was asking. And I had to call 3 times today. 1st time the CSR transfers me to AA!! Second time, CSR listens, sayd she'll be right back, and hangs up! 3rd time, the CSR denies the promotion exists, but then Supervisor confirms and puts through.
My advice, ALWAYS ask to speak to a supervisor at Citi. They seem to have access to deeper parts of the accounts that the ordinary CSR's can't reference.
