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-   -   Quitting CC apps - what cards to KEEP? (https://www.flyertalk.com/forum/credit-card-programs/1545731-quitting-cc-apps-what-cards-keep.html)

TOMFORD Feb 7, 2014 8:28 am

Ink is $95 a year though. Maybe I'll keep it for one more year to transfer to Hyatt. I spent a lot (both MS and legit purchases) on that card, maybe my AF will be waived for the year when it hits.

TOMFORD Feb 7, 2014 8:41 am

Okay does churning count as getting a new card? I hope not because I want a second Citi AA Exec.

StartinSanDiego Feb 7, 2014 9:57 am


Originally Posted by agp423 (Post 22304450)
Okay does churning count as getting a new card? I hope not because I want a second Citi AA Exec.

Are you and KennyBSAT planning on paying the 250x2 for the AA Exec cards? Or are you going to try to cancel when the AF posts?

techoin Feb 7, 2014 10:50 am


Originally Posted by 405#Club (Post 22238724)
You could do a product change for your Citi Diamond Preferred to Citi Dividend...it's a 5% cash back card, no AF, and Q1 categories include drugstores...up to $6k spend

Even better if you can get AMEX version as it will come handy for sync offers.

Also BOFA has a better balance rewards card which gives $25 per quarter just to charge and pay in full monthly...may be you can convert your AS card to this. I just did this with their hawaiian card when annual fee was due.

Keep ink bold and downgrade CSP instead of closing it. Having one UR transfer card will be always useful and I doubt bold will be downgraded. I was just denied for ink plus.

SPG you can convert it to any non-annual fee card (BCP?) to keep the credit line

rambo Feb 7, 2014 11:25 am

Chase is giving statement credit for pretty much everyone I think. I got a statement credit for 4 cards (self + SO for bold and ink+). Also the chase retention offers thread has similar data points from many other FT'ers.



Originally Posted by agp423 (Post 22304380)
Ink is $95 a year though. Maybe I'll keep it for one more year to transfer to Hyatt. I spent a lot (both MS and legit purchases) on that card, maybe my AF will be waived for the year when it hits.


TOMFORD Feb 7, 2014 11:44 am


Originally Posted by StartinSanDiego (Post 22304934)
Are you and KennyBSAT planning on paying the 250x2 for the AA Exec cards? Or are you going to try to cancel when the AF posts?

I'm paying the $250 for the first card. If others report that their miles are not taken back by Citi/AA without paying the AF then I will spend $10K in one month on the second one, pay it off, and then cancel before the fee hits.

nrdk Feb 7, 2014 12:25 pm


Originally Posted by 405#Club (Post 22238724)
You could do a product change for your Citi Diamond Preferred to Citi Dividend...it's a 5% cash back card, no AF, and Q1 categories include drugstores...up to $6k spend

It takes 6 weeks to do a product change apparently?

dcpilgrim Feb 7, 2014 2:34 pm


Originally Posted by nrdk (Post 22305837)
It takes 6 weeks to do a product change apparently?

51 days is Citi's stated policy - *IF* it falls into the CARD ACT's 45 day cooling off period (basically if any term is adverse to the borrower, AF, interest rate, fees, whatever). I recently converted two cards to Dividend. The TY Pref got the 51 day treatment. The AA Bronze got converted and shipped out w/i 10-14 days.

Fuerza Mar 29, 2014 10:07 am


Originally Posted by dcpilgrim (Post 22306613)
51 days is Citi's stated policy - *IF* it falls into the CARD ACT's 45 day cooling off period (basically if any term is adverse to the borrower, AF, interest rate, fees, whatever). I recently converted two cards to Dividend. The TY Pref got the 51 day treatment. The AA Bronze got converted and shipped out w/i 10-14 days.

I'm confused, 51 days from opening to PC? I want to axe my Citi AA Exc and get something I will use.


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