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No, my Gold Credit Card has an expiry of 06/10 so that shouldn't be the issue. I totally understand and know I will need to update my direct debits from the old Gold credit card number/expiry to the new Platinum credit card number/expiry after the Gold card expires ...

I'm very upset as well at Citibank. Here is the FAQ on the back of the Gold to Plat free upgrade letter: What will happen to my direct debits? Your recurring payments will continue to function as they do today. Your chip credit card will not impact them in anyway. I got a letter a few days...