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Old Nov 7, 17, 2:27 pm - Wikipost
Cpi-Web Forums Thread Wiki: Citi ThankYou points - cancel, downgrade & expiration considerations
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When do my Thank You points expire?
It depends.

It's important to understand that if you have multiple Citi cards ("sponsor accounts") generating points into a single TY account, those pooled points may have different expiration dates based upon the rules of the corresponding sponsor account. Points from some sponsor accounts never expire as long as the sponsor account is open, while others have an expiration date based on the date of earning. (For a comprehensive list of expiration rules, see the TYP T&C.)

To complicate matters further, points-earning activity from a sponsor account will often extend the validity of older points from that same sponsor account.
What happens when I cancel a credit card from which I have earned TY points?
Points previously earned from that sponsor account will expire after 60 days.
What are the rules for sharing points from my account to another TY account?
If you share points with (that is, make an internal TY transfer to) another TY account, those points will expire 90 days after the transfer. Note that
  • this is true regardless of whether you share to another TY user or to another TY account you hold (if you have multiple TY accounts);
  • you may not share points that are expiring in less than 90 days; and
  • you may not share more than 100K points (or receive more than 100K shared TY points) in any calendar year.
For details, see ThankYou Point Sharing capped at 100,000 points per calendar year
When I redeem points (for travel, gift cards, etc.), which ones does Citi use up first?
Citi will use the points with the soonest expiration date, which may or may not be points from a canceled sponsor account.
How can I see my expiring points?
Follow these steps:
  1. Log into your Thank You account (either directly or via citicards.com)
  2. From the My Account menu (top right of screen), select either "My Account Overview" or "My Points Summary"
  3. Look for a statement near the top of the screen such as "You do not have any points expiring within the next 60 days or less"
  4. Select "View all expiring points"
  5. Alternate: If logged in, you should be able to see the list at:https://thankyou.com/accountStatementExpiry.jspx
Note: The totals displayed will not include points expiring within 60 days as a result of closing a sponsor account. SOURCE
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Old Sep 20, 17, 9:48 pm #541

Join Date: Nov 2015
Posts: 23
My ATT Access More annual fee just hit in September, and my TY Premier card hits next month. I want to close or downgrade my ATT card. When my TY Premier hits 24 months, I would like to open a second Premier card and pick up another 50k points.

Question: If I close my ATT Access More card this month, will this reset the 24 month clock for my TY Premier card? Is the ATT product line considered part of the TY product line? Thanks for the help!
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Old Sep 22, 17, 11:27 pm #542

Join Date: Nov 2014
Location: USA
Posts: 984
Quote:
Originally Posted by KIcarus View Post
My ATT Access More annual fee just hit in September, and my TY Premier card hits next month. I want to close or downgrade my ATT card. When my TY Premier hits 24 months, I would like to open a second Premier card and pick up another 50k points.

Question: If I close my ATT Access More card this month, will this reset the 24 month clock for my TY Premier card? Is the ATT product line considered part of the TY product line? Thanks for the help!
Why do you want to downgrade the Att card? I just got it a few months ago and itís outstanding. Soooo many things I buy are online and 3x. The af bets with the 10k annual TYP bonus and maybe you even get a retention offer?
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Old Sep 24, 17, 4:30 pm #543

Join Date: Jul 2014
Posts: 141
can you PC from Prestige to Citi double cash? Looking to downgrade wife's Prestige, that is the only Citi card she has. Not interested in any retention offers, goal is to preserve the CL. If double cash is not possible, which is the next best option for a no fee card? Very minimal TYP left in the account so preserving/using those points is also a non-issue. Thanks!
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Old Sep 24, 17, 9:30 pm #544
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Quote:
Originally Posted by neony77 View Post
can you PC from Prestige to Citi double cash? Looking to downgrade wife's Prestige, that is the only Citi card she has. Not interested in any retention offers, goal is to preserve the CL. If double cash is not possible, which is the next best option for a no fee card? Very minimal TYP left in the account so preserving/using those points is also a non-issue. Thanks!
I don't know offhand. The answer may be upthread in some post, or in the retention thread (search for "Prestige" in each thread to find posts about it)..

I do know that Citi has allowed downgrades from other annual fee cards, even partner annual fee cards, to DoubleCash, so I don't see why they wouldn't for Prestige, but I don't know whether they do for a fact.

If they don't, the other options to consider would be AT&T Access (if you don't already have the Access More card), since it gives you 2x on many online purchases, or Citi TYP Preferred, since in the latter case you wouldn't lose any of your points from the prestige (though you would lose the ability to transfer them to most partners).
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Old Sep 28, 17, 10:09 am #545

Join Date: Jul 2014
Posts: 141
Quote:
Originally Posted by sdsearch View Post
I don't know offhand. The answer may be upthread in some post, or in the retention thread (search for "Prestige" in each thread to find posts about it)..

I do know that Citi has allowed downgrades from other annual fee cards, even partner annual fee cards, to DoubleCash, so I don't see why they wouldn't for Prestige, but I don't know whether they do for a fact.

If they don't, the other options to consider would be AT&T Access (if you don't already have the Access More card), since it gives you 2x on many online purchases, or Citi TYP Preferred, since in the latter case you wouldn't lose any of your points from the prestige (though you would lose the ability to transfer them to most partners).
Just to update .. my wife was able to change Prestige to DoubleCash but it did require a change in account number. She did not check if that would lead to a credit pull but hopefully not!
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Old Oct 12, 17, 4:49 pm #546

Join Date: Sep 2012
Posts: 59
What happens if you merge multiple TY point accounts in to a single one? Do some points acquire an expiration date?
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Old Oct 12, 17, 5:11 pm #547
mia
Cpi-Web Evangelist, Moderator: American Express, Citi, Diners Club, Signatures

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Posts: 32,394
Citi tracks the source of the points, merging TY accounts does not change the expiration date or policy.
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Old Oct 15, 17, 2:58 pm #548

Join Date: Sep 2007
Location: San Francisco & London
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Posts: 1,067
Is it possible to transer points to a spouses account before closing account and having no 3 month expiry of points?
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Old Oct 15, 17, 3:34 pm #549

Join Date: Nov 2010
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Originally Posted by navatwal View Post
Is it possible to transer points to a spouses account before closing account and having no 3 month expiry of points?
No as soon as you transfer them to the spouses acct. the clock starts ticking. Your best bet is to downgrade the card to a no fee card (like Preferred) and transfer them when you want to use them.
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Old Oct 22, 17, 1:28 pm #550

Join Date: Nov 2014
Location: USA
Posts: 984
Quote:
Originally Posted by neony77 View Post
Just to update .. my wife was able to change Prestige to DoubleCash but it did require a change in account number. She did not check if that would lead to a credit pull but hopefully not!

Earlier this year i changed Premier to Preferred (no af) and it didnít change the numbers. Couple of months after I changed the preferred to att access more and it did change the card number but it wasnít a hard pull
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Old Oct 23, 17, 8:53 am #551
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Quote:
Originally Posted by jjmiller69 View Post
No as soon as you transfer them to the spouses acct. the clock starts ticking. Your best bet is to downgrade the card to a no fee card (like Preferred) and transfer them when you want to use them.
the Preferred has fewer transfer partners and at worse rates.
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Old Oct 23, 17, 10:36 am #552

Join Date: Nov 2010
Location: Traveling some where hopefully
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Originally Posted by UA Fan View Post
the Preferred has fewer transfer partners and at worse rates.
Yes it does but how else can you save the points with no expiration date (no fee) than to product change? The person wanted to transfer to SO with out losing points in 60-90 days. This is just a holding pattern till SO needs them.
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Old Nov 7, 17, 2:18 am #553

Join Date: Apr 2015
Posts: 143
Best place to park points

My apologies if this has already been discussed.

I'd really like to cancel my Premier. I have a Prestige that I will keep, but I really hate the fact that I can't combine the points on the Prestige as Citi will expire the transferred points.

I currently don't have a specific target for the points, but I don't want to keep paying the AF just to park them. Any suggestions?

I've thought about Singapore or Cathay (I'm currently based in Asia)... but of course those miles would also be subject to expiration eventually. I do plan to use them before then, but there's always a chance that my plans will fall through (or I can't redeem the dates I want).

Any partners that I could maybe transfer to that don't expire or at least can be kept "alive" through activity?
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Old Nov 7, 17, 11:57 am #554
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Quote:
Originally Posted by baroqen View Post
My apologies if this has already been discussed.

I'd really like to cancel my Premier. I have a Prestige that I will keep, but I really hate the fact that I can't combine the points on the Prestige as Citi will expire the transferred points.

I currently don't have a specific target for the points, but I don't want to keep paying the AF just to park them. Any suggestions?

I've thought about Singapore or Cathay (I'm currently based in Asia)... but of course those miles would also be subject to expiration eventually. I do plan to use them before then, but there's always a chance that my plans will fall through (or I can't redeem the dates I want).

Any partners that I could maybe transfer to that don't expire or at least can be kept "alive" through activity?
So you want to cancel a $95 AF card but keep the $450 AF card?

Anyway, are you sure you even have to pay an annual fee on your Premier? See here:
Citi retention offer reports (All cards)
Next, if you really want to close your Premier despite retention offers, you should instead downgrade it to Citi TYP Preferred. Datapoints suggest that downgrades to Preferred keep the points alive as long as you keep the Preferred open (and Preferred has no annual fee). So by downgrading the Premier to Preferred, and keeping the Prestige alive, you would keep the points alive from both cards, and then could use the oldest points at the time when you decide to transfer.

There is no great place to park TYP points. This wiki lists the expiration policies for all partners, but without going through them all, I think only Hilton, JetBlue, and Virgin Atlantic can be kept alive through "activity", plus AirFrance/KLM can be kept alive with paid (elite-earning qualifying) SkyTeam flights -- credited to FlyingBlue -- every 20 months (but no other way).

But Hilton is a hotel program with a poor transfer ratio to airlines, JetBlue is a currency-based-redemption program in the USA with few partners, and Virgin Atlantic is based in London and all its flights start or end there AFAIK, and I don't think it has that many partners (but I'm not sure).
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Old Nov 8, 17, 8:24 pm #555

Join Date: Apr 2015
Posts: 143
Quote:
Originally Posted by sdsearch View Post
So you want to cancel a $95 AF card but keep the $450 AF card?

Anyway, are you sure you even have to pay an annual fee on your Premier? See here:
Citi retention offer reports (All cards)
Next, if you really want to close your Premier despite retention offers, you should instead downgrade it to Citi TYP Preferred. Datapoints suggest that downgrades to Preferred keep the points alive as long as you keep the Preferred open (and Preferred has no annual fee). So by downgrading the Premier to Preferred, and keeping the Prestige alive, you would keep the points alive from both cards, and then could use the oldest points at the time when you decide to transfer.
Thanks! I'm an idiot and totally forgot about the downgrade option.

As for keeping the Prestige... I do make good use out of the 4th night free program. Enough to justify the annual fee. The Premier on the other hand just sits gatehring dust. There are literally no benefits for me that the Prestige doesn't already cover. I live in a city where I no longer need to drive so I don't even spend on gas.

I'll downgrade. I don't want to risk Citi shutting down my Premier by accident during the conversation!
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