Tag Archives: Citi Bank

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Quick & Easy Credit Limit Increases with the Citi App (No Hard Pull or Credit Check)

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Good morning everyone.  I wrote a similar post in 2019 but I thought it was worth a refresher (Easily Request a Credit Limit Increase (No Hard Pull) via the Citi App).  If you have a Citi credit card and use the Citi App, you can quickly and easily request a credit limit increase through the Citi App.  I will walk you through the steps and share the results of my 4 Citi credit limit increase requests.  Having larger credit limits help with your credit utilization ratio and there are no hard pulls or credit checks (all 3 of my credit reports are currently frozen and I didn’t receive any credit monitoring alerts after making the credit limit increase requests).

I will go through the steps on my Citi Rewards+ Credit Card, but the steps are the same for any Citi credit card.  To get started, sign into the Citi App and click on the credit card you want to do a credit limit increase on.  Then click the View Credit Limit, APR & More link.  Then click the Request an Increase link.

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Transfer Times from Citi ThankYou Points to American Airlines: Miles Posted 12-13 Hours Later

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Good morning everyone, I hope you had a great weekend.  Yesterday morning, Frequent Miler wrote You Can Now Transfer Citi ThankYou Points To American Airlines, But Only For A Limited Time.  I decided to do a sample transfer of 1,000 Citi ThankYou Points (TYPs) to American Airlines to test the transfer times and see if the transfer was instant.  I submitted the transfer request at 9:19am and checked my American Airlines account a few minutes later.  Unfortunately, the transfer was not instant, so I set up an AwardWallet “Balance Watch” alert to see when the miles posted, so I could calculate the transfer time.  From my experience, the transfer took 12-13 hours to post.

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20% Off Lowe’s Gift Cards with Citi ThankYou Points (1.25 CPP) (Promo Expires on 7/13)

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Good afternoon everyone, happy Friday.  I just received an email from Citi regarding my Citi Double Cash Credit Card, but the promo is really about getting 20% off Lowe’s Gift Cards (both physical and digital).  From today (Friday, July 9) through Tuesday, July 13, you can get Lowe’s GCs for 20% off when you pay with Citi ThankYou Points.  For example, a $100 Lowe’s GC normally costs 10,000 Citi ThankYou Points, but during this promo, it only costs 8,000 Citi ThankYou Points.  This comes out to a value of 1.25 cents per point (CPP) or 1.375 CPP if you have a Citi Rewards+ Credit Card.

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Bad News: Citi ThankYou Points Cash Out Statement Credits Don’t Earn Cash Back with Citi Double Cash

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Good afternoon everyone, I hope your week is going well.  On April 10, 2021, Citi reduced the value of Citi ThankYou Points (TYPs) when redeemed for travel from 1.25 cents per point (CPP) to 1.0 CPP.  To make up for the devaluation of TYPs, Citi started allowing members with a Citi Premier Credit Card to cash out TYPs at 1 CPP in any amount, down to a single TYP (this redemption already existed on the Citi Prestige Credit Card).  With that info in mind, I wanted to test out the cash out feature on my Citi Double Cash Credit Card.  I made several small purchases and then several cash out redemptions.

Unfortunately, the cash out statement credit redemptions do not count as eligible payments, therefore they do not earn cash back on the Citi Double Cash (I missed out the normal 1% cash back for paying off the credit card).  As you can see by my recent statement, I made $88.99 in purchases, made a $5.01 payment, and $83.98 in cash out statement credits (which posted as credits instead of payments).

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I Texted Alaska Airlines to Cancel My Reservation and it was Easy

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Good morning everyone, I hope you had a great weekend.  Long story short, I booked an Alaska Airlines flight using my Citi ThankYou Points (1.25 cents per TYP value until April 10).  A few weeks later, I decided to cancel the flight.  Since I didn’t book the flight directly with Alaska Airlines, I wasn’t able to cancel the flight online.  When I called Alaska Airlines, the recording said that I could text Alaska Airlines instead.  Alaska Airlines then sent me a text (820-08) and I responded directly to the text.  The agent was very helpful and was able to cancel my flight and apply the travel funds to my Alaska Airlines wallet.  The whole process took less than 10 minutes and couldn’t have been easier.  If you’ve never texted Alaska Airlines before, I recommend saving the text number (820-08) to your phone.

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