Posted by Chuck on July 31, 2017
Credit Cards

Published on July 31st, 2017 | by Chuck

134

Did Product-Changing your Citi Card Result in a New Card Number?

For a long while, we’ve pondered whether an upgrade/downgrade with Citi results in a reset on the 24-month clock which allows you to get another Citi bonus. You can see our latest post here where we asked for reader’s data points. 

TPG has now clarified with Citi that any time the card number remains the same with the product change, your 24-month clock will not reset and you’ll continue to be eligible for a new bonus. The implication is that if you do get a new card number, the clock will reset and you’ll have to wait 24-months.

Note, for other purposes, such as credit reports, a new product-changed account number does not show up as a new card, and it retains the account age of the initial card. However, for the purposes of the bonus, Citi considers it a new card.

I’m not 110% convinced that the Citi response is actually an accurate portrayal of what their computer system will automatically process, but at the minimum we have official confirmation from Citi that so long as the account number remains the same, we are good to go. If the system does not give you the bonus when you deserve it, we now have a source to quote and get manually credited.

There are two reasons an account number might change when product changing a card:

  • If the product change is from Visa to Mastercard or vice versa the card number will always change. Visa cards always start with the number 4 and Mastercards always start with the number 5. Keep in mind that changing from between Visa and Mastercard is not something you request specifically, and you might not even know that it’s changing between Visa and Mastercard during your product-change phone call request. Hopefully, you can ask the agent during the call and they’ll be able to confirm.
  • Even if you product change within the same card network (Visa > Visa or MC > MC), Citi often changes the card number during the product change process.

Now the million-dollar-question is: when does Citi issue a new card number with a product change and when do they keep it the same? Let’s assume the card is keeping the same network (I believe most of Citi’s cards are Mastercards, besides Costco). Will they keep the card number the same or not? Maybe the rep will be able to answer for you this question during the product change process. Maybe not.

From all the data points I’ve seen so far, product changing has always resulted in a new card number. But I only know of a few data points, and all of them are for product changes outside of the same card family (TY > Dividend, Dividend > DC, TY > DC). It seems logical that product changes within the same family (AA > AA, TY >TY, Hilton > Hilton) would retain the card number, especially AA > AA and Hilton > Hilton, but we won’t know until we get data points.

Reader input: Please let us know if you did a product change with Citi and if it resulted in a new card number. It’s vital to note whether the product change switched card networks between Visa and Mastercard. Thanks for your input!

Optimally, you’ll let us know:

  • Result (number changed or number stayed the same)
  • Name of old card  and Name of new card (e.g. Hilton Honors to Hilton Honors Reserve)
  • Which networks these cards were on (e.g. Mastercard to Mastercard)
  • When this product change happened (e.g. middle of 2016)

Data Points

Based on the comments, results seem to vary highly.

In the majority of case, it appears that product changes within the same card family will not get a new card number while product changes outside the card family will. (All American Airline cards are one family, and ThankYou Prestige/Premier/Preferred are one family.)

HOWEVER, many others have gotten a new card number even for product changes within the same card family and some had their card number remain the same even when product changing outside of the card family.

Update 4/18/18: There is one data point which indicates that product changes will not reset the 24-month clock, contrary to what Citi reps have said.



134
Leave a Reply

avatar
 

  Subscribe  
newest oldest most voted
Notify of
Nicky
Nicky

Here’s mine:

Citi Premier-> Preferred
-Number stayed the same
-Mastercard, didn’t change
-PC’ed May 2017

My Citi AA-> Dividend PC’ed April 2017 had the number changed.

DRT
DRT

TY Premier > Dividend: new number
AAdvantage > Doublecash: new number

DRT
DRT

TY Premier (MC) > Dividend (MC): new number
-PCed: early ’17

AAdvantage (MC) > Doublecash (MC): new number
-PCed: mid ’16

jnrfalcon
jnrfalcon

Premier to Dividend number changed. AA to Costco in-process, I think I was told it should change. BTW does changing from AA to Expedia possible? I was trying to but was told Expedia was not in the option.

Scott
Scott

I did a product change with Citi last month and kept the same card number.

Old card: Diamond Preferred (MC)
New card: Double Cash (MC)
Date: June 2017

Victor M
Victor M

Here’s mine. The account number changed:
– Citi ThankYou Premier -> AT&T Access More
– Mastercard -> Mastercard
– October 2016

Tim
Tim

AA Plat -> Doublecash : new number

quasimodo
quasimodo

Just checked my old Citi new card confirmation emails. They do show the same last 4 numbers.
I did a change from Citi TY Premier (Acquired in 2015) to TY Preferred in 2016. Without actually looking at old statements the number is likely the same then. I haven’t applied for a new Citi TY Premier or whatever the new one is called..but maybe later this year.

Chris
Chris

DC (MC) -> Dividend (MC): Same number
PC requested Mar ’17, processed May ’17

Jake E
Jake E

I changed HH > Dividend today. I was told I’d have a new acct number. Both are MasterCard

987h
987h

It Changed my Premier to Prestige on August 2016. Right after they announced this one bonus per family rule.

MY card number did not change and also I did not get the bonus as well. At that time there Was some confusion that the Cust Service Rep considered the bonus I received for Premier as the bonus I received for Prestige and refused after multiple tries. I finally gave up and closed the newly opened prestige.

Having said that may be my case was not the right data point to validate the statement confirmed by Citi now as it happened in early days of the rule and I couldn’t able to recollect whether I applied before the rule came into effect or not

Mike
Mike

Bonuses are not given on product changes, unless you have a targeted upgrade offer from the bank. Amex occasionally gives targeted upgrade offers, but I can’t remember Citi or Chase ever doing it.

987h
987h

Let me correct it. I converted the card as well as applied for a new card and did not receive sign up bonus for new card. I was denied of bonus because I opened the premier a year before.

To relate to recent news – my card number was not changed during product change

Jared W
Jared W

Premier to preferred oct 2016. Number stayed the same. Care went from mc world elite to mc world

AB
AB

HH Surpass(V) -> Double Cash(MC) new number

I was going to PC my regular HH card but since it’s being discontinued, I’d rather see what the retention offer is.

Andrew Wiggin
Andrew Wiggin

Two conflicting datapoints:

My wife: Premier (MC) -> Dividend (MC): Same number
August/September 2016

Myself: Premier (MC) -> Dividend (MC): Different number
August/September 2016

The Premiers were opened at the same time (same day) online. A year later, I asked for mine first over the phone. Had her call (the same day) and basically repeat the same script. So I can’t find anything we did on our side that would have caused the different outcome.

Shan
Shan

I have some DP.
Premier to DC, Around August 2016, New number.
Prestige to Dividend-1, March 17, New number.
AA Platinum to Dividend-2. June 2017, Same Number. It’s interesting the number didn’t change even though its different family, contrary to other DP.
All are MC.

AH
AH

Result (number changed or number stayed the same): Same
Name of old card and Name of new card: Citi AA Platinum –> Citi TY Preferred
Which networks these cards were on: MC to MC
When this product change happened (e.g. middle of 2016): Dec 2016, right after AF hit. AF was refunded.

Back to Top ↑