Originally Posted by
pinniped
Is there a matrix somewhere that shows what product changes are allowed for a given card?
I had an agent tell me that the Citi TYP Premier card ($75) annual fee cannot Product Change to anything. I know I could just blindly HUACA and see if I get different answers, but if this is actually written down somewhere, I'd like to have that info in advance.
It's a line of credit that's been open for 10 years, so I'm hesitant to cancel it. Also don't have any Citi cards I want bad enough to use a hard pull for. I was thinking I'd flip this card over to the Costco card and actually use it a bit. If I can't product-change to a Visa, then just to some no-fee Mastercard to toss in a drawer.
I have good credit and already hold the Prestige card and the Hilton card. When Hilton/Citi dies, maybe that one becomes my Costco card. But it's a relatively new line of credit that I don't mind cancelling if I have to.
Do you have any points on that Premier card? Do you realize they'll go "poof" in 60 days (no matter what other TYP cards you have) if you cancel or convert to a non-TYP card? See this thread for more on that:
A couple people have successfully converted their TYP Premier to the no-AF TYP Preferred, and that is the only way to keep your TYP Premier points beyond 60 days.
People who don't care about their TYP points expiring in 60 days have also converted to DoubleCash I think.
(But while you say you've had the card for 10 years, keep in mind that those people who've had their Citi card for less than a year typically can't do a product conversion at all.)
Also, do you realize you may not need to "really" (net) pay your Premier annual fee? See here:
As for the Hilton cards (Citi had two of them, the Reserve and the no-AF), no one knows yet whether they'll be converted by Citi (if so, to what) or instead sold to Amex (rumors are that it'll be sold to Amex, but there's no official confirmation yet).