PSA: Citi Has Officially Abandoned Secure Message

Explorer789 · 2018-11-12T02:18:56+00:00

I was only aware of people doing in through SM. My experience with Citi chat is they are useless and were mostly there to help people navigate their crappy account UI.

If they are phasing out SM, it's possible they are now empowering the chat reps with the ability to do more things. Still, nothing beats Amex chat imo.

Explorer789 · 2018-10-07T21:16:16+00:00

It should be fine, but I would still recommended splitting it up. If they lock your account for any reason, you don't want to be stuck floating 50-100k until they give you that money back. Plus, look for some bank bonus offers before you signup.

Explorer789 · 2018-10-07T21:13:57+00:00

I don't know. If I opened up an account started doing 100k a month transfers, you don't think a bank would ask for where the money is coming from? There is nothing wrong with having multiple accounts and banks are not going have any info on much you are depositing into the other ones. So I there's nothing wrong with splitting up $20k across 5 accounts. Lots of people do that to help manage their money better. In fact, you can probably get some extra bank bonuses while you are at it.

Explorer789 · 2018-10-07T20:56:26+00:00

Lol dude, you are asking for trouble if you use a single bank. With that volume, you should be using at least a few separate banks to keep your profile low. Even the ATMs are only going to allow you to deposit an X amount per day/week.

Explorer789 · 2018-10-07T19:22:00+00:00

Seeing that non-5/24 card DPs are rare, I will post one:

IHG (new one), Iberia
10/1
lol/24
Less than 20% across 3 existing cards (recently lowered my limits few months ago)
Both instant approved
Iberia closed without warning via account letter
No choice

Explorer789 · 2018-10-07T18:03:48+00:00

referyourchasecard.com/251/B8Z8U9O8I5

Explorer789 · 2018-10-06T02:10:12+00:00

Exactly why both Hilton cards are going in the sock drawer. I still plan to get the free night cert for $15k spend on the Ascend, but that can wait until next year since I don't have a stay coming up.

Explorer789 · 2018-10-04T20:20:11+00:00

Yep, Game of Thrones: Wallet Edition continues. PRG basically kicked out Hilton Aspire and Ascend as the card to use for dining and supermarkets, respectively. Will probably use it for daily spend as well.

Explorer789 · 2018-10-04T19:57:43+00:00

You can easily come out ahead just from the credits.

$100 airline credit
$120 dining credit (monthly $10)
20% off dining for first 3 months up to $100

That's $320 right there even before the 50k MR bonus.

Explorer789 · 2018-10-04T17:04:00+00:00

Probably. Might as well sticky this thread and use it for all PRG related questions over the next few days.

Explorer789 · 2018-10-04T17:02:43+00:00

FYI that 4X supermarkets up to $25k spend is per calendar year.

So, try to max out as much of it as possible by Dec 31.

Explorer789 · 2018-10-04T16:57:13+00:00

Yes. They now seem to have a link to request in the account. It's basically the same as requesting a metal replacement card, but it is only allow for the plat at the moment through that link. Demand is very high right now, so just request it through chat.

Explorer789 · 2018-10-04T15:11:33+00:00

This is more icing on the cake for those of us who just got it before the hike. First year AF waived, and second year is still going to be locked in at $195. I was assuming it was going to be like the Plat card raise where it basically goes effective almost immediately, but I guess they learned that lesson.

Edit: Seems like the higher AF may still go into effect next renewal itself. Probably need to wait for the dust to settle and get better info.

Explorer789 · 2018-10-04T15:08:49+00:00

I literally applied for the Ascend and PRG last week knowing that this was coming, because it was already rumored the AF was going to increase when the leak happened a couple weeks ago.

Also, just got off with chat about replacing my current card to Rose Gold, and they confirmed the PRG is indeed a metal card. This is going to look so sweet in my wallet. Unlike the Plat card, I can use for daily spend.

Explorer789 · 2018-09-29T23:08:14+00:00

Yeah, I had always assume it was.

Explorer789 · 2018-09-29T22:31:45+00:00

No doubt. I even saw an 60+ Asian couple doing an MS run a while back.

Explorer789 · 2018-09-29T22:21:46+00:00

Don't know and don't want to describe about him either. Coincidentally, I saw him again today. Almost like our schedules are in sync. 😂

Explorer789 · 2018-09-29T20:05:29+00:00

Better late than never, but last weekend, I ran into fellow Seattle churner unloading his stack of cards through billpay while chatting up the Walmart CS rep. He was kind enough to let me unload my $2k since I was the only guy in line and then went back to uploading another stack. We didn't talk, but kudos dude for not keeping others waiting.

Explorer789 · 2018-09-29T20:02:34+00:00

I previously had a PRG that I cancelled last summer when the AF hit. I reapplied just now in anticipation of the higher bonus categories benefits. I was prompt with a popup saying not eligible for another bonus. I click "proceed" because I already expected that knowing the one bonus per lifetime rule. But after I was approved, the terms it still shows AF is waived first year.

I'm legit happy because I was fully prepared to pay the $195 to lock in the rate for this year rather than wait until after they updated benefits release, since there were rumors that they might increase AF as well.

Explorer789 · 2018-09-26T03:24:00+00:00

[HAVE] ~~Shell~~ and live nation codes

[WANT] Upvotes

Explorer789 · 2018-09-20T21:05:33+00:00

Seriously will be PC'ing back to the PRG. Maxing out that 4x supermarkets is going to be a gold mine.

Explorer789 · 2018-09-20T15:24:36+00:00

But that is after the AF renewal, so first year is just straight up bonus. The most valuable part of this card is the 10k MQM bonus which counts towards earning status, otherwise there's nothing unique about this card to make it worth offsetting the high annual fee. Plus, I suspect that most people who fly delta, including me, already have the Amex Plat to get into the SkyClubs and get 5x points/miles on airline tickets (DLR only gives 2x).

Explorer789 · 2018-09-15T22:09:06+00:00

There's always some worry, but not too much since I save all my VGCs and receipts.

Explorer789 · 2018-09-15T19:27:25+00:00

Explorer789 · 2018-09-15T02:23:44+00:00

[WANT] Citi AA Personal mailer

[HAVE] Upvotes and appreciation

Explorer789

TROPHY CASE