The Citi Card I Wanted Is No Longer Available For Product Conversions

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.

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What In The World Is Citi Thinking?

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:

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Here’s My Citi Card Strategy After The ThankYou Card Devaluations

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):

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