Does Citi treat "Product Change" as "Closed" for purposes of the 18-month rule?
#1
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Does Citi treat "Product Change" as "Closed" for purposes of the 18-month rule?
Most Citi credit card application has the following language:
Is product change considered "closed"?
I am interested in the new Citi Thankyou Premier card in particular, which I opened in 2012 and product changed to Dividend in July 2014. Will I be eligible for the signup bonus of Thankyou Premier again now, or do I have to wait until January 2016?
Bonus *** not available if you have had a Citi *** card opened or closed in the past 18 months.
I am interested in the new Citi Thankyou Premier card in particular, which I opened in 2012 and product changed to Dividend in July 2014. Will I be eligible for the signup bonus of Thankyou Premier again now, or do I have to wait until January 2016?
#3
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So to be safe (because it's the later one, and in any case the most likely one), use the account approval date.
#6
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#7
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That may be, but the definition of "closed" that this thread is about is with reference to Citi making you wait 18 months since the last card of a given type was "opened or closed".
#8
Join Date: Apr 2014
Posts: 83
Anyone have any new or additional insight on this? I am interested in the same answer, but from a different perspective. For example, say I converted an exec to a double cash and want to figure out if my clock is ticking from the date I opened the exec or the date I converted the exec (if that is indeed considered "closing" the card).
#9
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Anyone have any new or additional insight on this? I am interested in the same answer, but from a different perspective. For example, say I converted an exec to a double cash and want to figure out if my clock is ticking from the date I opened the exec or the date I converted the exec (if that is indeed considered "closing" the card).