Yes, you can upgrade your Citi Custom Cash℠ Card to a better offer as long as you’ve had the card for at least several months, and you will have the best odds if your credit score and income have gone up since you applied. To see if your Citi Custom Cash card qualifies for an upgrade, call customer service at 1 (800) 950-5114. Citibank also periodically sends targeted upgrade offers to existing cardholders by email.
Citi Custom Cash Card Upgrade: What You Should Know
Citibank does not state a specific amount of time the card account must be open before it’s eligible for an upgrade, but it’s a good idea to wait at least 6 months before requesting an upgrade.
Citibank only allows upgrades to cards within the same card family. For example, you cannot upgrade from Citi Custom Cash to a business card or co-branded card.
If you upgrade to a Citibank card with an annual fee, the charge will appear on the new card’s first monthly statement.
You will not be eligible for any initial bonuses or introductory 0% APR offers associated with the new card, unless they’re included as part of the upgrade offer.
Citi Custom Cash card upgrades do not require a hard inquiry on your credit report, so there’s no effect on your credit score.
A Citi Custom Cash card upgrade typically takes just a few minutes. If you are approved, you should receive your card within 7-10 days from the approval date. Your card number won’t change, but you will receive a new card with an updated expiration date and security code.
You can use your old card until the new one arrives, and it will have all the benefits of the new card as soon as the upgrade is complete. Your current credit limit and APR will carry over to the new card, as will any unredeemed rewards, unless stated differently in the upgrade terms.
Verifying a Citi credit card is the same thing as activating it. Different issuers use the words “verification” and “activation” interchangeably.… read full answer
How to Verify a Citi Custom Cash Card
By phone: Call 1-877-905-1861 and enter your credit card account number, the 3-digit security code on the back of the card, the last 4 digits of your Social Security number, and your date of birth when prompted.
Mobile App: Log in to the Citibank mobile app and tap “Register” or “Activate” a card and tap "Credit card”.” Enter your card number, CVV, your date of birth, and the last four digits of your Social Security number, then submit the verification.
If you have any trouble verifying your Citi Custom Cash, you can always call customer service at 1-800-374-9700 for assistance. It’s best to verify your card as soon as possible after receiving it.
Withdraw the cash and remove the credit card from the ATM.
Before you take out a Citi Custom Cash cash advance, it’s important to note that it is a very expensive transaction. For starters, there’s a 5% (min $10) cash advance fee. There’s also a separate cash advance APR of 25.99% (V) that applies as soon as you withdraw the cash. There may be ATM-owner fees, too.
You can request a Citi Custom Cash℠ Card credit limit increase online, through the Citibank mobile app, or by calling customer service at 1-888-872-2214. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Citibank has on file. Citibank will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.… read full answer
How To Get a Citi Custom Cash Credit Limit Increase Online
Log in to your online account or the Citibank mobile app.
Choose the Citi Custom Cash card from the list of account options (if you have more than one Citibank card).
Click “Credit Card Services,” and then “Request a Credit Limit Increase.”
Enter your total annual income and your monthly mortgage or rent payment amount . Click “Next.”
Confirm the information entered and click “Submit” to complete the request.
You should receive a decision in just a few seconds. If you’re approved for a Citi Custom Cash credit limit increase, the new limit is effective immediately.
Impact of a Citi Custom Cash Credit Limit Increase on Your Credit Score
When you request a Citi Custom Cash credit limit increase, Citibank will conduct a hard pull of your credit report, which will cause a short-term dip in your credit score. Citibank cannot do a hard pull without your permission, though.
Alternatively, you could be eligible for a Citi Custom Cash credit limit increase without even requesting one. The Citi Custom Cash card may offer an automatic credit limit increase if Citibank’s regular review of your account shows a history of on-time payments and low debt. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
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