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As part of the conversion between American and US Airways (or maybe it’s just Citibank or American changing card providers), some of the Citi AAdvantage cards are changing.

Kenny at Miles4More first alerted me to this fact, and to check the mail to watch out for this.  Sure enough, the other day I got this fine notice in the mail:

a white and blue card with text

Seems innocuous, right?  What’s the big deal?

Here’s the big deal

Citibank’s rule for credit card churns have gone back and forth in some case, but right now are set up (for most cards) as limiting you to one bonus for having the card within 18 months.

Specifically, if I look at the terms and conditions for one of the Citi AAdvantage Mastercards, it says:

American Airlines AAdvantage® bonus miles not available if you have had a Citi® / AAdvantage® Platinum Select®MasterCard® opened or closed in the past 18 months.

So, if I were to let my card get converted to a Mastercard, that might limit my ability to get a bonus on a Citi AAdvantage Mastercard any time in the next 18 months.  To me, it’s not clear whether an automatic conversion like this would count in the 18 month clock or not, but I figure better safe than sorry.

I called Citi to stop the conversion

I called up Citibank via the phone number on the back of my card.  My intention was to product change into probably the Citi Double Cash card, but the lady that I spoke to said that she could just set something on their end to not convert the card from a Visa to a Mastercard (leaving it as a Visa), so that’s what I chose.

I’m a little nervous that whatever she did won’t actually work, but for now I am hopeful!

What about you?  Did you get a note like this offering you a conversion?

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