{"id":12104,"date":"2025-07-22T04:00:00","date_gmt":"2025-07-22T10:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=12104"},"modified":"2025-07-22T12:14:14","modified_gmt":"2025-07-22T18:14:14","slug":"the-impending-barclays-aa-transition","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2025\/07\/22\/the-impending-barclays-aa-transition\/","title":{"rendered":"The Impending Barclays AA Transition"},"content":{"rendered":"\n<p>When Barclays divests its AA card portfolio to Citi next year, what&#8217;s going to happen? Of course we don&#8217;t know for sure, but based on <a href=\"https:\/\/www.nerdwallet.com\/article\/credit-cards\/costco-amex-cardholders-get-new-card-number-not-new-account\">how Citi handled the transition of the Costco portfolio<\/a> from American Express and how banks typically operate, we can make educated guesses. That means that <em>probably<\/em>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personal Barclays AA cards will show as closed on your credit report<\/li>\n\n\n\n<li>Replacement Citi AA cards will show as separate accounts on your credit report<\/li>\n\n\n\n<li>Account open date for Citi AA cards will be backdated to Barclays AA opening dates, so 5\/24 status may or may not be affected depending on when you opened the card<\/li>\n\n\n\n<li>Credit lines will generally stay the same, but Citi&#8217;s risk analysis may lower some<\/li>\n\n\n\n<li>The bonus clock on Citi AA cards may reset<\/li>\n<\/ul>\n\n\n\n<p>What if you have a Barclays AA card and you&#8217;re shutdown by Citi? Will the transition get you back in? I think the answer is likely that you&#8217;ll be back with Citi for transitioned cards in most cases, Citi is like a forgetful salamander. The worst types of shutdown ex-cardholders will probably see their new Citi card shutdown as well though.<\/p>\n\n\n\n<p>Have a nice day friends!<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"168\" height=\"300\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2025\/07\/image.png\" alt=\"\" class=\"wp-image-12106\" style=\"width:168px;height:auto\"\/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\" style=\"font-size:14px\">There are still credit cards out there with no sign-up bonus reset clock.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When Barclays divests its AA card portfolio to Citi next year, what&#8217;s going to happen? Of course we don&#8217;t know for sure, but based on<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[54],"tags":[],"class_list":["post-12104","post","type-post","status-publish","format-standard","hentry","category-credit-cards"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/12104","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=12104"}],"version-history":[{"count":5,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/12104\/revisions"}],"predecessor-version":[{"id":12199,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/12104\/revisions\/12199"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=12104"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=12104"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=12104"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}