Just spoke with Citi customer service. They said the upgrades were based on your credit rating and whether you retained the card for more than 9 months. Credit rating would have made me ineligible since im still a student.
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From my understanding, a good credit rating includes no bad debts, no defaults AND has a history of borrowing plenty of money (eg home loan, business loans, many credit cards, mobile phones etc) and of course ability to service more debt.
But I stand to be corrected by someone thats works in the industry.
we keep on getting plat cards sent our regularly as well,
but one thing we haven;t bothered to find out, and I think a few people have missed the point of is "is it fee free for life or just a once off?"
the terminology in the promotion does say the annual fee is $0 or similar but if its not for life, you'll be paying $200+ per year from them on, and I doubt they will let you go back to gold fee free for life after that.
has anybody found it yet??
Citibank phone consultants have told many of us that the free for life will be applied to platinum cards. I think some people got than in writing (emails) after contacting the bank.
This is an extract from an email Citi sent me:
Thank you for your email.
Please be advised that no extra fees will be charged when you accept the
Citibank Platinum card upgrade offer. As such, you will remain on the
annual fee structure that you are currently on.
Where is my platinum card?
Is it because I hit my free for life Gold card point cap after 4 months then stopped using it? So I am considered a customer not worth having???
Just a quick thought on this. Have you thought that maybe Citibank is doing this as a "staged" rollout?
There is no way that they can upgrade their entire customer base at one time. It maybe something as simple as they are doing it in Alphabetical or numerical order rather that customer value order or length of time as a customer.
Don't worry, you will all get your turn.
They were doing it in a staged rollout - but I was told by a CSR that the upgrade rollout would be completed by the end of October.