Advice please!
We're considering applying for the Citi Custom Card for 5% in the most used category. I would like to have 2 separate accounts. Each account would be joint accounts. I'd be primary on one account (for groceries) and my DH would be primary on the other (gas).
Can we both apply at the same time (or minutes apart)??? Is that wise?
Something else to consider....
We have another very old Citi card that they have been trying to get us to convert to a Citi Rewards card (I think, because it has rewards, but nothing special IMO).
----Do you think they would convert it to the Citi Custom for 5% and would that be a smarter move vs applying for a new account. (Is converting an "old" account "a credit score hit"????)
Info:
-got a Shell gas card 7-8 months ago which is a Citi backed card.
(I don't recommend that card!!)
-got a Visa about 15mths ago.
-We have several other brands of cards, some actively used and some not.
Thanks in advance!!!!