Converting Citi Driver Edge to....

Discussion in 'Credit Talk' started by PSUgirl, May 21, 2001.

  1. PSUgirl

    PSUgirl Guest


    I just called citi customer service today to find out that if when i get my citi drivers edge card in the mail, can i convert it to the citi dividend card.

    I dont need another card that earns money for a new car. Im graduating college in the next 1 and 1/2 and dont perdict buying NEW car in that time. Plus, a bunch of student loans will be waiting for me.

    The dividend card (college) gives you cash back!

    people in college always need cash back!

    ~She said that once i get the card in the mail that i can convert it with NO problem. Great!

    -I love citibank,
    -Thank you trans union for being lazy and helping me get my credit report clean in 4 months
    -Thank you god for helping me get out of subprime hell!

  2. PSUgirl

    PSUgirl Guest

    Has anyone ever had luck converting the click citi AA card to something else?

    They gave me a credit line of 1000 with, i think, 350 availabe for cash. I dont know how i can get cash from a card with no scan bar!


    GEORGE Well-Known Member


    Don't do it unless you have an EXTREME EMERGENCY!!!!
  4. PSUgirl

    PSUgirl Guest

    Do you mean, dont convert unless I have an emergency. or dont covert cause they will send me a check for the cash advance?


    GEORGE Well-Known Member

    DON'T DO A "CASH ADVANCE" unless you have an EXTREME EMERGENCY"...

    Usually a higher interest rate and 2- 5% tacked on for good measure...
  6. VJ

    VJ Well-Known Member

    PSUGirl, I had my AA clik citi plat changed to a clik citi plat select.Not much of a change, except there is no annual fee and I get a 1% rebate every month applied to my outstanding balances.

  7. sam

    sam Well-Known Member

    just tell them you want the citibank platinum select, they'll switch you over. The citibank platinum select is one of their lowest priced carry a balance card. I'm rolling prime+1.9% on it, no annual fee. No kickbacks, but since i'm carrying a balance, thats a moot point.
  8. VJ

    VJ Well-Known Member

    Most people have a difficult time getting prime+1.9% from chase.Average is about 14.9% on the fixed side.

    Should mention there is a downside to switching cards w/chase.Chase will close the original acct # and report it as a
    R-0 rating for 7 years(want to guess what fico will do with that?) and then open the new card with a new acct # with another R-0 rating for 1 month or untill there is a payment.
    I was able to get them to change the original acct# to a
    R-1 after 6 months with much effort.

  9. PSUgirl

    PSUgirl Guest

    I already have the platinum select

    I also have the drivers edge (converting into the dividend card for cash back)

    And, i have the click citi AA
  10. PSUgirl

    PSUgirl Guest

    Chase?? Im talking about citibank vj.
  11. VJ

    VJ Well-Known Member

    Lost focus, sorry.
    Keep this part;

    PSUGirl, I had my AA CLICK citi plat changed to a CLICK citi plat select.Not much of a change, except there is no annual fee and I get a 1% rebate every month applied to my outstanding balances.

    Citi will usually keep the same acct # if they can.

  12. PSUgirl

    PSUgirl Guest

    I like that idea VJ. I think I may do them same. The cash back would be nice. The annual fee would suck!

    Ill tell you what happens when I get the card and go from there.

  13. breeze

    breeze Well-Known Member

    well, they both start with a "C"


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