Citi used to required cardholders to call in if they wanted to product change their credit card. That requirement has now been removed and it’s possible to simply use the live chat function to product change to a different card. Citi has extremely generous rules when it comes to product changes compared to other card issuers. They are as follows:
- Card must be at least twelve months old before downgrading
- Conversions can take up to 51 days (this is usually done much sooner)
- Some representatives will say that product changes must be done within the same product family, this isn’t the case. Simply end the call (or chat in this case) and try another representative.
Hat tip to MtM
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