Putting together a plan for your Citi credit cards is kinda like setting the table for a picnic in the middle of a tornado. As soon as you make your decisions, Citi changes something, messing up all your plans.
I wrote about what I was going to do with my Citi cards but, as it turns out, I had to make some changes. Because, Citi.
One part of the plan that remained was finally getting rid of the AT&T Universal Rewards card. It’s one of the discontinued cards I hold on to but it was time to let it go. I decided to try and change it to the AT&T Access More card.
Continue reading “The Citi Card I Wanted Is No Longer Available For Product Conversions”
Over the past 12 months, Citi has made several major changes to their credit card portfolio. The surprising thing is the inconsistent nature of these changes. While some of them add significant value to the cards, others cut the legs off the cards in regards to their usefulness in any serious traveler’s wallet.
Looking at the timeline of the changes will possibly give you a case of whiplash. Here’s a summary of the changes announced by Citi:
Continue reading “What In The World Is Citi Thinking?”
Citi apparently feels that for their credit card portfolio, less is more. And when I say less, I mean cutting most insurance coverages for all their cards as well as less frequent sign-up bonuses for the American Airlines co-brand cards (now increased from 24 months to 48 months). Citi apparently wasn’t done, as it looks like they’ve now reduced the sign-up bonus on their Citi Rewards+ card.
What happened? Continue reading “Citi Cuts Sign Up Bonus on Rewards+ Card By 25%”
Change is inevitable. There’s no avoiding it. In the points and miles universe, you have to know that programs will devalue redemptions, sweet spots are going to disappear and some companies will just cease to exist. You just look at what’s left and make the best of it. Maybe the changes will open up some possibilities that weren’t there before. Hopefully, there’s some silver lining to the storm clouds of program “enhancements.”
So when you see an email that says a program is going to announce some changes that their members have been asking for, do you duck and cover, expecting the worst possible scenario? I can understand why, after some programs have seemingly blown up their programs over the years but you need to have hope because it’s possible that not all changes are 100% negative. Before you get all riled up, hear me out.
Continue reading “Are All Program Changes Negative? Maybe Not”
When there’s a major change in the points and miles environment, it’s a good idea to take a step back and evaluate the new lay of the land. I don’t like to rush into making decisions and I’ve had some time to think about the news that Citi is going to eliminate all of the price & product protections as well as travel insurance benefits from their cards, including the Citi Prestige, as of September 22, 2019.
My gut instinct told me that the Citi Prestige wasn’t going to be worthwhile anymore and I’d cancel it. To make things more interesting, Citi is allowing people to cancel and get a prorated refund until January 1, 2020. I have my time limit where I’d need to make a decision.
If I am going to cancel the card, there are things I need to think about beforehand. I need to have a strategy and be smart about how I proceed.
Here’s my plan (subject to change):
Continue reading “Here’s My Citi Card Strategy After The ThankYou Card Devaluations”