As of Sunday August 25, 2013:
Reports indicate personal cards can no longer be rapidly churned.
Click HERE to review the previous thread on this topic.
Recommended Application Procedure:
Clear cache and cookies prior to applying or use an incognito or private browsing session to apply. Opening multiple different apps in different windows or tabs or failing to clear cookies/cache has resulted in people receiving a lesser offer.
Executive Office - useful for getting a more empowered agent for reconsideration purposes: CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117
Are these AA cards churnable?
What are the most current time-restriction rules in applying for all Citi cards?
Do I need to close existing cards before applying?
When should I close existing Citi accounts?
Can I apply for a business card if I don’t have a business?
Can I buy Visa gift cards to meet my minimum spend?
Do I get 10% back when redeeming miles for awards?
Do I have to use my own AAdvantage number on applications?
There is nothing on the application page stating the bonus miles. How do I know what I will be getting?
When will my bonus miles post?
I met the minimum spend. Why does my statement say "Miles Reported to AA: 0"?
Can I cancel a card using secure messaging?
I activated the card online and got a message about this card replacing an old card. What does that mean?
Which credit bureau does Citi pull and can I force them to use a different one?
1. Are these AA cards churnable?
Yes and No. The general rules are:
Personal AA cards: As of August 25, 2013 all linked personal AA cards in this thread can be churned only after Citi decides that you are no longer an existing cardmember. This usually occurs between 12 and 26 months after your last successful AA personal card approval of any type including AA Executive card(s). If you want both a Platinum card and an Executive AA card and are eligible under the 12-26 month rule, get the Platinum card first or the Executive card will restart the clock. Although it is not a hard-and-fast rule, 18 months after previous approval is the most common. YMMV. You do not need to cancel old personal cards.
Note: You cannot circumvent this rule by applying for a card type different from your previous Citi AA card. If your last personal AA card was a Visa, the waiting period for your next personal AA card will be the same regardless of whether you apply for a Visa, MC, or Amex.
Business AA cards: have been churnable repeatedly without restriction other than the general Citi application rules. Apply once every 91-95 days. For unknown reasons, some people have been unable to churn business cards at all. Also, some (but not all) people need to completely cancel their previous business card (ie, cancel both the card account and the associated master account) before they can apply for another business card.
Note: If you encounter difficulty in obtaining a Citi AA business card after holding one before, it may because of the unusual way Citi sets up business accounts. The business account per se has its own master number; like a standard MC/Visa, this master account number is 16 digits. In addition, each card on the account has its own 16-digit card number. Each of these numbers, including the number for the primary cardholder, is different from the master account number.
Sometimes, when you call to close your card account, all the card numbers are canceled but the master account remains open. When this happens, subsequent applications for a business card may encounter difficulty. Online, there should be a dropdown of accounts under your business login; the number that match your card number is your card account, the number that does not match your card number is your master account. When cancelling, ask to cancel both accounts, giving the last 4 digts of each (as shown in that dropdown).
2. What are the most current time-restriction rules in applying for all Citi cards?
Only 1 Citi application of any kind per week (8 days to be safe).
No more than 2 Citi applications of any kind in 60 days (65 days to be safe).
No more than 1 Citi business application in 90 days (95 to be safe). This does not override the rules above.
While the day limits are a little flexible by a few days either way and YMMV, the rules themselves are not flexible.Note: In applying the rules above, count all Citi applications, including denials and/or applications for non-AA cards.
Mixed type Example: Day 1 60K HHonors Visa Day 9 or later 50K Personal Platinum Visa Day 66 or later 50K Business #1 Day 74 or later 60K Executive Day 161 or later 50K Business #2 18 Months, 74 days or later 50K Personal Platinum Visa
Not sure what day you applied? The date is written year, month, day in the application number: 201402280000 means you applied on Feb 28, 2014
3. Do I need to close existing cards before applying?
No. There is no requirement that you close previous personal accounts. People have reported having 4 or more of the exact same card. However, many people have reported problems getting AA Business cards if they have an open Business account.
4. When should I close existing Citi accounts?
This is a matter of personal preference. Citi cards can be closed immediately after receiving a bonus and paying off the balance. There are no verifiable reports of Citi clawing back miles (exception - miles were clawed back for returned merchandise around November 2011).
Reasons to keep accounts open:
Having large credit lines improves your utilization percentage.
Maintaining old cards improves average age of cards.
Credit lines can be moved from old cards to new cards.
Anecdotal evidence suggests that Citi counts the credit lines of recently-closed accounts for 3-6 months against your total available credit.
You can receive retention offers once every 6 months per card. See this thread for details on the latest retention offers.
Reasons to close accounts:
Having a large amount of available credit with Citi will eventually reduce your chances of instant approval. Your application will automatically be reviewed if your CL's total 75K or more. This may also result in a large disparity between existing account CL's and new CL's, such as 20K, 20K and 1K for a new card, as an example.
There is little incentive to pay an annual fee if it is not waived.
The annual fee on Business cards is rarely waived.
Having a large number of open Citi cards will show up on your credit report and may affect non-Citi applications as well as the overall age of your accounts.
5. Can I apply for a business card if I don’t have a business?
Anyone can apply for a business card. You do not need a registered business with an EIN. If you do not have a business with an EIN or with bills/accounts in the business name, you can apply using your name as the business. The three possibilities are that: 1. You could be approved unconditionally, 2. You could be asked to fax a couple of bills or accounts (water, electricity, gas, cable, or phone bills, bank accounts, etc.) in the name of the business to Citi, or 3. You could be required to fill out and send a 4506-T tax form. Whatever you do do not make up income etc. about the business. Plenty of people have been issued cards for businesses with $0 annual revenue, 1-5 employees, and 0 years in business.
6. Can I buy Visa gift cards to meet my minimum spend?
Purchases from banks are almost always coded as a cash advance regardless of what they are for. Purchases from stores, e.g. CVS, are almost always coded as a purchase.
If you are concerned about it, it’s recommended to send a secure message Citi and have them set your Cash Advance limit to zero. Phone CSRs often say they can not do this.
7. Do I get 10% back when redeeming miles for awards?
It depends. First, the rebate program (which began in April 2012) applies only to holders of these cards:
Citi Platinum Select AAdvantage Visa Signature
Citi Platinum Select AAdvantage World MasterCard
Citi Platinum Select AAdvantage World Elite MasterCard
Citi Select AAdvantage American Express
It does not apply to the Citi Gold World MasterCard, Citi Executive products, or some of the Citi Business cards.
Also, the maximum rebate for any cardholder in a single calendar year is 10,000 miles. Having more than one qualifying Citi AA card will not allow you to receive a larger rebate; the restriction applies per AAdvantage account.
8. Do I have to use my own AAdvantage number on applications?
Yes. The name on the card application must match the name on the AAdvantage account. You cannot apply for multiple cards for different people and use the same AAdvantage account number. AA does not care or even know how many Citi accounts you have so there is no harm in having your AAdvantage account number associated with multiple cards in your name. If you forget to add your AAdvantage account number to your application, an AAdvantage account in your name will be created and can later be merged with your existing account by calling AA.
9. There is nothing on the application page stating the bonus miles. How do I know what I will be getting?
You need to have faith in the people here if you want to maximize your miles. The people on this board constantly apply for these cards and report back what they are told are the benefits and what they actually receive. The way Citi works is that if you are approved for a card, you will get the bonus associated with the link you applied under as long as you make the minimum spend. It does not matter if you already had the card or anything else. If you are approved - then you get the bonus. The two exceptions to this are: 1. If you fail to clear your cache and accidentally load a cached application, you get the miles associated with that application and 2. Some people have recently succeeded in 'bumping the bonus' by contacting Citi and requesting a match to a 50K offer after applying for a 40K card. If you don't feel like trusting in the experiences of others, then apply for an offer with a landing page.
10. When will my bonus miles post?
Two working days after the date of the statement containing the charge that takes you across the spend threshold. It posts overnight, it'll be there when you check your AAdvantage account in the morning.
11. I met the minimum spend. Why does my statement say "Miles Reported to AA: 0"?
No one knows exactly why this is happening to some people (Citi blames AA, AA blames Citi, and both blame the merger). It supposedly has something to do with the time it takes them to properly link your AAdvantage number to your card. There are two ways to deal with this:
Wait 1-2 statement periods, and see if the points post on their own. Per Citi, it can take this long for the accounts to link.
Call AA (1-800-882-8880) and open a case about it. Most people have had their miles post within 2 weeks of doing this.
12. Can I cancel a card using secure messaging?
Yes, assuming you have set up the credit card in your Citi account. Quick and easy.
13. I activated the card online and got a message about this card replacing an old card. What does that mean?
When activating cards online, Citi normally displays the text:
"This account replaces your old account, which is now closed. Statements for your old account will be available for up to 6 months. Your current account summary and unbilled transactions are now listed under your new account number."
This is normal and is supposed to be displayed when activating a replacement card but it seems to display even when activating a brand new card. This is nothing to worry about.
14. Which credit bureau does Citi pull and can I force them to use a different one?
Citi appears to use Experian most frequently, followed by Equifax. For some people they pull both. It depends on where you are located. You can check the Credit Boards database to see where card issuers have pulled recently.
For the most part, freezing Experian, or another bureau, will not cause Citi to pull a different bureau. They will almost certainly require you to unfreeze the bureau they wish to pull or deny your application. Some people have been successful providing the PIN but others have not. Mostly, freezing a credit bureau in an attempt to force Citi to pull a different one seems to waste time, money, and effort for little result. But YMMV.
For one person's experiences with various card issuers, check here.
For rules and info on any offers that include Admirals club passes or statement credits, see here.
I had a CitiBusiness 50K card close 2/28. 50k Bonus, plus spend points, posted on my Citi statement but nothing posted on my AA Account for this month or January. Called Citi CS and was told AA has some problem and has not verified ANY AAdvantage numbers for new accounts created after Nov 2013, therefore the miles are "backed up" in the Citi system and cannot post until AA verifies them. However she assured me they are aware of the problem, it is a systemic problem with new accounts, and my miles are all safely being held by Citi until AA verifies the AAdvantage number and I should just wait for now because they are working on getting AA to fix it.
That's what I was told by a nice, seemingly highly competent Citi CS phone rep. Anyone else have any miles post to AA for a CitiBusiness (or just Citi personal) account that was created AFTER Nov 2013?
I think the rep is correct except for one thing: it is only the citi business card for which miles haven't posted.
-My wife applied for a citi business in early November. Miles posted on time.
-I applied for a citi business in late November. Miles still haven't posted.
-My wife and I both applied for citi platinum Jan 20 and 21. Miles posted on time.
-I applied for citi executive on 2/8. Miles posted on time.
-My wife applied for citi executive on 2/20, and the first statement hasn't closed yet.
We received all of our miles (actual spend and sign up bonuses) on time except I'm still waiting for my business miles. I called AA about 3-4 weeks ago to report the problem, and the CSR said she would "open a case" and make a notation in my account. I'm still waiting just like everyone else.
I'm tempted to call back, but I'm afraid AA would see the 50K bonus from my platinum app and my 100K bonus from my exec app and either get confused (thinking I've already received my citi business miles) or just scrutinize my AAdvantage account in a way that isn't helpful
I see, gotcha. Sorry about the confusion. Guess I'll just try to apply for a 2nd one before the promotion ends...$20k is a lot though, even with MS. Finding VRs in NYC is near impossible.
Are you using Amazon Payments? If not, and you have someone you trust to give you the money back, you can meet $4K of the $10K by making a $1k Amazon Payments transfer per month.
And Amazon means calendar month, not 30 days. So assuming you get your AA card somewhere in the middle of the month, you can use AP 4 times within the first 3 cc statements. So $4K in charges.
Just to be sure you understand, you can send $1K a month to anyone that sets up an Amazon Payments account. And charge it to any cc you wish with no fee. Make sure you click "Goods and Services", NOT "cash advance".
But do not have them send the money back to you thru AP, that violates Amazons T/C. They need to give you the money back in cash, check, etc.
A to B, and B to C, is fine. A to B then back to A, will get you shut down.
For the rest, I'm not in NY, so I don't know. Do you have a Walmart nearby?
Can you find a place to buy Visa Gift Cards with a cc ? Perhaps OneVanilla?
IF so, you can take the GCs to Walmart and either cash them in for money orders. Or easier still, use the Bill Pay system at Walmart to pay off the very cc you just charged the VGC on. Unlike VR and BB, there is no monthly limit on how much you can do this. Walmart limits you to 4 CGs per payment. But no limit to how many payments you make in a month.
This is a two part answer: one for general reference, and one for your exact situation:
For general reference to others reading the thread:
From experience: the rules still apply, even with a mailed offer. That mailed offer was almost certainly mailed out before your previous application, and the list of people for it to be sent to was probably put together weeks or months ago. So yes, you still have to follow the timing rules.
Alos, be sure to read the terms carefully - I almost screwed myself taking advantage of a mailed offer last year, because I assumed that the terms (re: churning) were the same as the ones I found on FT.
For your situation:
You were denied for a Citi card last week. The chances of you being approved for another one this week are very slim. The general advice is to let the 65 day timer reset from the date of that application, and then try again (this is per the wiki in this thread: http://www.flyertalk.com/forum/credi...e-posting.html).
Did they say why you were denied?
Thanks for your reply.
I was rejected for having too few accounts.
I applied today for the personal card mail offer I received (45k points for 2k spend) and was approved.
Wow, those fraud alerts on the 100k Exec card are really annoying.
Received the card last week, first small warm-up purchases went through, but two beans at CVS ($980 total) got denied. Called the number on the back of the card and the guy on the line said that such a purchase at a drugstore is highly unusual, especially on a new card (he most likely never read flyertalk). He refused to unblock the card, stating that I will need to fax them some documents. Meanwhile Citi "closed" all my three cards (that's what it says in the online accounts). My oldest card with Citi is fouryears old, never carry any balance! Had to fax in SSN, lease, utility bill, ID - will see what happens. Citi certainly sucks, never had any trouble with Chase, Amex etc. Not sure if 100K miles are worth those troubles.
It isn't just the Exec card.
I think it is just Citi
I had the same dumb "fraud" alert show up the 3rd time I used my new Citi Business card, The bottom line according to the CSR I spoke to was it was due to needing personal verification of the card holder, and not so much about the item(s) you attempted to buy.
This was a silly statement As Citi already had me on file for a previous Personal card which I had cancelled a few weeks earlier.
Also, I was told that my app should of not been instant approved and instead a letter would/should of been sent out asking for personal info ...
REALLY annoying to have to fax in SSN and ID to verify my identity...... after getting approved...... and using the card a few times already....... plus the fact that all my info was exactly the same as my personal citi card on file that they had......
On top of that trying to hit the spend requirement asap and having a big purchase coming up, but was forced to wait about a week after they got my fax until they activated my card again.