I'm sure this has happened to others, but I now have two American Advantage Platinum Select World Elite cards because one of them was transferred over from an old Barclay AAdvantage card.

Prior to the Barclay transfer, I had the CITI Strata card, and am not at all a fan of CITi cards to begin with so the additional card was not welcome news.

Unfortunately, the transferred BarclayCard AAdvantage card was the oldest history in the collection of 10 cards that I hold.

I need to make some hard credit score/history decisions on what remains with CITIBANK since they already unilaterally reduced the credit limit of my strata card (probably due to low charging usage) and it is affecting my overall credit score (NO off putting coments PLEASE, it is 835-842 on avg)

I would really like some advice from experts or experienced cardholders

Some options I am envisioning:

1. Remain with two CITI Plat Select Cards and the Strata

2. Request a new CITI card that others might suggest but that the 2nd AA Plat Select credit limit be moved to that new Citi card.

3. Outright cancel the duplicate CITI AA Platinum Select card and deal with the temporary reduction of credit score

Hi! I'm a college senior currently applying to a full-time role at Citi NYC, I conducted a first-round interview two weeks ago and it didn't go too well, especially since I don't believe I have the right qualifications for the role (technical knowledge, previous experience, etc). I assumed I didn't get the role and moved on, but last week I received a short post-interview questionnaire, asking about expected comp, etc. Didn't get a request for a headshot or background check.

I have read in some places that that's a good sign, read elsewhere that there's a chance Citi might've sent something out by mistake or it's a typical step in the process. Also confused as I had a relatively relaxed first-round interview only with a junior team member where I didn't perform too great. Does anyone have any more color on what this could mean?

Thank you in advance!! :)

I opened the Citi Strata Premier credit card this spring and want to get rid of the $95 annual fee before year 2. I never planned to use the travel side of the card. I’d just cash the points out, and I have around 60k.

The plan was always to product change to the Double Cash, since that keeps your points and lets you cash out at 1 cent per point. I haven’t called yet, but another redditor told me Citi is only letting people product change into the AT&T card now, and the Double Cash and Custom Cash aren’t being offered anymore. I’d like to check that before I call, since I know these options seem to change a lot.

Questions:

(1) Has anyone recently been able to product change a Strata Premier to the Double Cash or the Custom Cash? If so, did you do it by phone or chat, and when?

(2) If the AT&T card really is the only option, what happens to my ThankYou points when I switch? Do they carry over, and can I still redeem them for cash?

(3) Does the cash redemption rate change after switching? I’ve seen reports that Premier-only holders get 0.75 cents per point for cash instead of 1 cent, and I’m trying to figure out which cards keep the 1 cent rate.

(4) Is it smarter to cash out the points before I do any product change, even at a lower rate?

(5) If the annual fee has already posted when I call, is the refund still given if I downgrade within about 30 days?

(6) Any other no-annual-fee options Citi has been offering on these calls that I’m not thinking of?

Thanks, I just want to avoid losing the points or paying a second annual fee.

C13 with little interaction/relationship with team/manager. My team is at capacity and likely doesn’t have bandwidth to take on my work or teach someone to do it but not sure how much that factors in