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So I have a Citibank Mastercard, specifically a "Citi Diamond Preferred Card." I've had it for a few years. I don't use it all that much; mainly I got it to take advantage of a low rate balance transfer offer that I've paid much of off (I believe the rate is good for another 6 months or so). Lately, though, Citi has been contacting me regularly, both by email and postal mail, "inviting" me to switch to their "Citi Double Cash Card." I get a couple of these invitations each month, and have been since last winter or so. The offer seems fairly straightforward, promises no change in account number, no change in APRs, still no annual fee, no change in credit limit... just switch to the card and in the future I'll get some cash back benefits.
Well, I haven't done it because I don't use the card that much, but also because I'm always suspicious of this sort of thing. Why do they want me to do this so badly? What's in it for them? I'm sure it isn't for my benefit, or at least I find it hard to believe it would be, so what could be behind this? Any ideas, anyone? Would you do it?
EDIT: Thanks to everyone for your comments, and sorry that I apparently unintentionally started a little kerfuffle among some of the subreddit regulars.
I appreciate all the advice; please forgive me for this consolidated reply - probably easier for y'all than if I write a dozen replies saying the same things.
I just looked at the CDP card statement and it turns out that the balance transfer offer I had signed up for expired about 20 days ago. But I had timed out my scheduled payments to make sure I had paid it all off by then, so the card balance is now zero (well, actually, it's about three bucks right now for reasons not worth going into, but yeah, it's basically paid off). I do not intend to run a balance on it from here out (as someone suggested I might), so the 2% bonus (structured as it is) wouldn't be too bad. As to applying for a new card to get a sign up bonus... Yeah, I probably could do that, but honestly, I don't think I have the energy for that. I'm not made of money, $200 would certainly come in handy, but is it worth filling out an app, waiting for approval, then cancelling the other card, then seeing if I get the same or better rates, blah blah blah? Meh. I've got other fish to fry, honestly. Appreciate the suggestion, but I'll just take their conversion offer and be done with it.
Thanks again, all, for the advice and commentary!
Got CITI offer in the mail today. 21 Months of 0% interest on Balance Transfer ( 3% fee or min $5 whichever is higher ).
0% interest on 12 months of purchases. Free FICO score. No mention of any cashback/points etc on purchases. No annual fee.
I have 2 CITI cards - Citi Custum Cash & COSTCO anywhere Visa.
Do you have this card ? - Do you recommend it & why/why not ?