Sam - Citi combination

Discussion in 'Credit Talk' started by Nave, Sep 1, 2001.

  1. Nave

    Nave Well-Known Member

    I got the Citibank cards today, Silver and Gold AAdvantage and I am going to call Tuesday AM to combine.

    What should I say is the reason I am combining the cards (combining 2 cards that I applied for before I even use them)? Will they ask me why I am asking to combine? Will they still charge me the $50 and $85 annual fees or will one be dropped?

    After they combine them, I expect I will have to use the card for several months with good payment records before I try to upgrade to Platinum Select correct?

    Thanks for the help in advance.

    -Peace, Dave
  2. sam

    sam Well-Known Member

    be straight forward.

    "I decided that I would like a product that does not charge a yearly fee. Could you please , transfer my product to the platinum select and combine both cards".

    "or transfer product 1 to platinum select, product 2 to platinum select dividend".

    Don't be shy, you are the customer. You demand what you want. They will comply.

    Be strong, Trust me i felt the same way, and have gotten my way without question every time.

    Do it now, to avoid the yearly fees'
  3. Nave

    Nave Well-Known Member

    Thanks buddy. I will call Tuesday and let you all know how it goes.

    -Peace, Dave
  4. Saar

    Saar Banned


    Unlike other card benefits, combining 2 cards or switching from one product type to another, does not require any "excuse" or "silver tongue". The rep is SUPPOSED to do it for you. True, we've had a couple of instances where reps were unwilling to cooperate. But that's just due to incompetence on the reps' part. You have more than 90% chance to get both done on the very first try. Good luck!

  5. mindylou

    mindylou Well-Known Member

    There should be no questions asked, I just asked to upgrade due to the fact that I don't want an annual fee. Also ask for a lower apr, I believe it was Sam that said to ask for prime+0.9, I did and got prime+3.2 but thats not bad its 9.9%, they will also drop the annual fee off the aa card when you upgrade if you ask. Citi is very easy to deal with in that sense, though I'm having a difficult time getting a BT. Good luck tuesday. I'm not sam but I hope this helps.

  6. Nave

    Nave Well-Known Member

    Thanks Saar, Thanks Mindy!

    I will let you know what happens Tuesday (Anticipation over a loooong weekend can't fully enjoy the extra day :)

    -Peace, Dave
  7. sam

    sam Well-Known Member

    uhh they are open today, and will do it today. Why wait?
  8. Nave

    Nave Well-Known Member

    Called this AM. Didn't combine the 2 but got the AA Gold card ($80/year) upgraded to Platinum Select with no yearly fee, lower APR. I just said having the 2 AAdvantage cards was a mistake on my part, I wanted one with no yearly fee and one with mileage awards.

    I will probably use the silver AA ($50/year) card only for purchases of the higher mileage bonus purchases and if in a few months have not used it much will combine it with the Platinum card. (Not to mention the silver card is pretty cool looking...even has a silver magnetic stripe not black).

    Anyway wanted to update the board and thank Saar, Sam, and Mindy for the advice.

    -Peace, Dave
  9. mindylou

    mindylou Well-Known Member

    Glad to be of assistance, I'm always glad to pass on any info.

  10. Nave

    Nave Well-Known Member

    One more go from Gold AAdvantage to Platinum Select they had to give me a new number...maybe it's through a different citibank affiliate?

    -Peace, Dave
  11. Herman

    Herman Well-Known Member

    Hi Dave!

    I called Citibank today to combine my AAdvantage to Platinum Dividend total of $19,500 in a single card, amazing!
    Absolutely awesome of avoiding the yearly fees. Like you said they had to give me a new number.



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