Citi CashReturns® Card Reviews
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Title: Conversion
Date Reviewed: 2013-05-09 09:04:47 | Recommended?: Yes
Review: I applied for the Citi Secured card back in Sept 2011. It was kind of hard to find any posts, or forums pertaining to this card. Especially being that it had the option of graduating to an unsecured card. I had read some posts of angry card holders saying that theirs didn't convert to an unsecured card.
Just before my CD for $1000 expired I called and was told that the card would convert to an unsecured card and that it would remain the same, as far as the APR (18.24%) , CL ($1000) and rewards, only unsecured. It had the Citi easy deals, which was Citi Extra Cash when I had gotten it. Its a simple rewards programs that only pays 10% of your monthly spending, then those points are used to take 10% off gift cards, or you can try to participate in their auctions, but I find they are very difficult to win.
I asked to have the card converted to a cash card and was told that it would convert to the CashReturns card. I wasn't sure what that was until I looked up old posts on FG, but it hadn't been offered for years now. Not sure how I ended up with it, but I will give it a shot. It looks like its just a 1% cash back card with an APR of 15.24%. Today is my conversion day, and when I signed on the change was made. It took about 45 days to change from my old card to my new card. Also, last month I applied for a CLI of $1000 online and was approved. It should take about 10 days to receive my new card.
If I don't like it, a year from now I will see if I am eligible to convert to a Thankyou premier card. I shop a lot on Amazon and you can use Thankyou points on there. I think I would like that better than waiting until I have $50 in cash rewards to redeem.
So far, I am very pleased with Citi. Polite CSR's that show concern and give you accurate, and truthful advice. I plan on keeping them in my wallet for years to come.
Title: Was CITI Plat Select Not Instant
Date Reviewed: 2009-06-25 18:01:39 | Recommended?: Yes
Review: Applied online, pulled EX plus score was 763
Stated 20 day e mail decision but the site allowed me to pick password and set up with no account info kinda strange.
No contact and 3 weeks later card just arrives in mail with 4800 limit added college kids as AU users online
Title: They Want Your Business
Date Reviewed: 2008-12-07 04:27:24 | Recommended?: Yes
Review: Called to cancel due to high apr. They offered me 6 month 5.9% so I stayed. I usually pay card off every month
Title: Oh My God!!!
Date Reviewed: 2007-12-31 09:29:26 | Recommended?: Yes
Review: I was approved for their Platinum Select Card 6 months ago. I called them and asked for a credit line increase of 500 to 800, and I was approved within 2 hours. I called the next day and said that I really wish I could get your Citi CashReturns Card. The Rep. Said "do you want to convert your card?". I told her that my credit score was too low (598), and that I did not think that I would get approved for the conversion. She warned me that I would lose all of the "thank you points" if I convert to this card. I told her "Ok" go ahead give it a try, because I was almost 100% sure that they would deny my request. After a fews minutes of silence, I could not believe my ears as she said "Your conversion has been approved." THANK YOU CITI BANK, YOU ARE THE BEST!!!
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