New Citi “Custom Cash” card - 5% in top eligible category
Aug 17, 2021, 8:36 am
#76
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
So you can convert to it? Great, I'll try to convert one of my multiple Preferred/Rewards+ cards into it. I'm planning to spend $500 in a grocery store every month. This is really great, I think that I don't need Amex Gold or EDP anymore.
Aug 17, 2021, 8:39 am
#77
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
Aug 17, 2021, 10:08 am
#78
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
A question here, if I convert Preferred or Rewards+ to Custom Cash, does it mean closing account, and resetting the 24 month TYP clock?
I did conversions from Premier/Prestige to Preferred/Rewards+ and it didn't reset the clock, also forced conversion from Preferred and Forward Visas to Preferred MC didn't reset the clock.
I did conversions from Premier/Prestige to Preferred/Rewards+ and it didn't reset the clock, also forced conversion from Preferred and Forward Visas to Preferred MC didn't reset the clock.
Last edited by yugi; Aug 18, 2021 at 2:03 pm
Aug 17, 2021, 10:33 am
#79
Join Date: Apr 2021
Location: Manhattan, Palm Beach Island, San Francisco, Boston, & Hong Kong
Programs: Lifetime United Global Services, Delta Plat, Hyatt Globalist, Marriott Ambassador, & Hilton Diamond
Posts: 3,165
How many custom cashes can 1 person hold now? Someone said it’s possible to get multiple through PC. Can you choose different 5x categories across the cards? If so, custom cash just became a slightly worse BoA prefplat customized cash for cash back and a 5x invalidation of the citi prestige earning structure for points earning.
AFAIK you can tell when the clock is reset by the card number changing.
A question here, if I convert Preferred or Rewards+ to Custom Cash, does it mean closing account, and resetting the 24 month TYP clock?
I did conversions from Premier/Prestige to Preferred/Rewards+ and it didn't reset the clock, also forced conversion from Preferred and Forward Visas to Preferred MC didn't reset the clock.
I did conversions from Premier/Prestige to Preferred/Rewards+ and it didn't reset the clock, also forced conversion from Preferred and Forward Visas to Preferred MC didn't reset the clock.
Aug 18, 2021, 11:37 am
#81
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
How many custom cashes can 1 person hold now? Someone said it’s possible to get multiple through PC. Can you choose different 5x categories across the cards? If so, custom cash just became a slightly worse BoA prefplat customized cash for cash back and a 5x invalidation of the citi prestige earning structure for points earning.
AFAIK you can tell when the clock is reset by the card number changing.
AFAIK you can tell when the clock is reset by the card number changing.
Aug 18, 2021, 11:38 am
#82
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
Aug 18, 2021, 11:53 am
#83
Join Date: Apr 2021
Location: Manhattan, Palm Beach Island, San Francisco, Boston, & Hong Kong
Programs: Lifetime United Global Services, Delta Plat, Hyatt Globalist, Marriott Ambassador, & Hilton Diamond
Posts: 3,165
https://www.doctorofcredit.com/produ...w-card-number/
Originally Posted by DoC
TPG has now clarified with Citi that any time the card number remains the same with the product change, your 24-month clock will not reset and you’ll continue to be eligible for a new bonus. The implication is that if you do get a new card number, the clock will reset and you’ll have to wait 24-months.
Aug 18, 2021, 1:07 pm
#84
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
Not sure. Just basing it on Doc of Credit:
https://www.doctorofcredit.com/produ...w-card-number/
However DoC also cites a data point where a number changing does NOT reset the clock so IDK https://www.doctorofcredit.com/citi-...comment-583366
https://www.doctorofcredit.com/produ...w-card-number/
However DoC also cites a data point where a number changing does NOT reset the clock so IDK https://www.doctorofcredit.com/citi-...comment-583366
Aug 18, 2021, 1:26 pm
#85
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
I just called Citi and converted one of my Preferred cards to Custom Cash. They said my number will not change and points won't expire. We'll see how it will work out.
Aug 18, 2021, 1:51 pm
#86
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,955
A card number change is necessary, but not sufficient, to indicate an account closure. If the card number remains the same we can be confident that it is the same account, but if the card number changes we don't know anything about the account.
Aug 18, 2021, 2:04 pm
#87
Join Date: Jan 2014
Location: TYS/BNA/ATL
Programs: UR, TYP, MR, C1, AA, UA, WN, BA, AS, AV, AC, Choice, Hyatt, IHG, Hilton, Wyndham, Marriott
Posts: 1,978
BTW, they told me that Preferred earns 3x on dining, streaming and entertainment, I was under impression that it's 2x.
Aug 21, 2021, 12:20 pm
#88
Join Date: Dec 2007
Location: Westchester Co, NY or Rio Grande Valley, TX or ???
Programs: BAEC G, WN A-, Hyatt G, HH G, MAR T, Hz PC, was [UA2P, FL A+Elite, BD G]
Posts: 2,271
Aug 22, 2021, 6:20 am
#89
Join Date: Jan 2015
Programs: Marriott Titanium and LTP, Hilton Gold, United Silver
Posts: 786
I think the grocery category is really the only one that makes sense unless you have very specific expenses. I think most families spend at least $500/mo at grocery stores. Maybe you spend $1000 and have two cards in 2-player mode. But I think the other categories, either people spend way under $500 or way over $500 in a given month. Groceries is easiest category to maximize regularly.
Aug 25, 2021, 6:14 am
#90
Join Date: May 2011
Location: NYC (LGA, JFK), CT
Programs: Delta Platinum, American Gold, JetBlue Mosaic 4, Marriott Platinum, Hyatt Explorist, Hilton Diamond,
Posts: 4,895
Applied this morning, and approved. Get the 20,000 bonus, downgrade a no fee AA Card to the Rewards + card, and have a pretty optimal setup:
Citi Premier
Citi Double Cash
Citi Custom Cash
Citi Rewards +
AA Executive
AA Platinum
Next year, Executive and Platinum will likely each be downgraded one level to Platinum and Mileup, respectively.
Think I am done with credit card applications until September 2023. Then back to work on Chase.
Citi Premier
Citi Double Cash
Citi Custom Cash
Citi Rewards +
AA Executive
AA Platinum
Next year, Executive and Platinum will likely each be downgraded one level to Platinum and Mileup, respectively.
Think I am done with credit card applications until September 2023. Then back to work on Chase.