The most sad thing is that they don’t give 5% cash back any longer.

I am looking for other options. AmericanExpress BlueCash card offers 5%, but only after over $6500 spending annually. Good for people who spend a lot of money.

A few weeks later, I received a notice in the mail stating my request for “downgrade” was denied. When I called and asked why, the CSR told me that because I had activated the card, I could not downgrade. I told her that I had activated the World card because I’d previously been told I had no choice.

I’m one of those people who don’t carry cash, and pay everything with one card. Yes, it’s a hefty bill, but that includes house, utilities, groceries, gas, etc., so it’s a real benefit.

After the way I was treated, I called corporate office, and sent two emails asking why this program was in the place and complaining about the way I was treated. Of course, no response.

Now, I’m going to cancel the card, because while it’s nice to receive benefits, none of us like to be treated like a number. Or ignored.

On a positive note, my AMEX platnium has been great to work with, and if you spend enough and call, they will waive the annual fees. Plus, you get to speak to people in the States. You can actually understand their CSRs! Pass it along – World card sucks.

A few weeks later, I received a notice in the mail stating my request for “downgrade” was denied. When I called and asked why, the CSR told me that because I had activated the card, I could not downgrade. I told her than I activated the World called because I’d previously been told I had no choice.

I’m one of those people who don’t carry cash, and pay everything with one card. Yes, it’s a hefty bill, but that includes house, utilities, groceries, gas, etc., so it’s a real benefit.

After the way I was treated, I called corporate office, and sent two emails asking why this program was in the place and complaining about the way I was treated. Of course, no response.

Now, I’m going to cancel the card, because while it’s nice to receive benefits, none of us like to be treated like a number. Or ignored.

On a positive note, my AMEX platnium has been great to work with, and if you spend enough and call, they will waive the annual fees. Plus, you get to speak to people in the States. You can actually understand their CSRs! Pass it along – World card sucks.

BTW, Platinum MasterCards also offer numerous travel benefits.

Some say to watch out on how Citi will report your credit limit–apparently on World level cards they report your highest balance making it appear that one spends 100% of ones credit limit every month rather than the actual credit limit and “recentâ€? balance so that it shows you only spend a fraction of your credit limit.

There are standard benefits Citi must offer with World level MasterCard’s. Some are new above and beyond Platinum level and others are just improved above Platinum level.

Does anyone know if PayPass will be on the Payment Tag or embedded in the new card itself? I like that Citi put PayPass on the Payment Tag, because if you have it in your card, and you have to take your card out of your wallet to use PayPass, you might as well swipe anyways rather than tap or wave.

I’d say why not upgrade. If your cash back % will be the same, let them go thru the expense of sending you a new card.

Any word on if the maximum cash back per year will be lifted? Currently it is at $300, and frankly if you only used it at 2% merchants you would be maxed out at $15,000 in spend, and only at 1% merchants—$30,000 in spend. I know that those with World level MasterCard’s tend to spend more per month than Platinum level MasterCard’s. – How many of us would spend between 15,000 and 30,000 in the span of 4-6 months and then since we would get no more cash back drop the card in favor of something else? – This is if they do not raise the yearly cash back limit.

I doubt they will upgrade the student version of this Citi Dividend card.