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Old Oct 6, 14, 7:54 am   -   Wikipost
FlyerTalk Forums Thread Wiki: Citi AA credit cards. Best offers now 50k. [Read wikipost first]
Please read: this is a community-maintained wiki post containing the most important information from this thread.
 
Last edit by: beltway
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.

For information on the Executive version of this card, with $450 annual fee, not waived, see: Up to 100k miles Citi Executive AAdvantage offers

MOST CURRENT 50K LINKS:

Citi AA Platinum Personal Mastercard, 50,000 miles after $3k spend in 3 months. $95 annual fee, waived first year. Landing page available here. This is a CHIP and Signature card.

Citi AA Business MasterCard, 50,000 miles after $3k spend in 3 months. $95 annual fee, waived first year. Landing page available here.

Landing page for 50K Business and Personal MC requires $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
Landing page for 50K Business and Personal MC after $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
Landing page for 50K Business and Personal MC after $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
Landing page for 50K Business MC after $3K spend in 3 months. $95 annual fee, waived first year. This page leads to this application page.

OTHER PERSONAL CARDS

Citi Platinum Select Mastercard. 40,000 miles after $3k spend in 3 months. $95 annual fee, waived first year. Landing page available here.

Citi Platinum Select Mastercard. 35,000 miles after $1.5k spend in 3 months. $95 annual fee, waived first year. Landing page available here. - Dead on Aug 09, 2014.

Citi Platinum Select Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year. Up to $100 statement credit for AA purchases. Landing page available here.

Citi Platinum Select Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year.

Citi Gold Mastercard. 25,000 miles after $750 spend in 3 months. $50 annual fee, waived first year. Landing page available here

If you are already a Citigold customer, read this post from the Miles Professor about another 50K offer from your branch office for the American Airlines credit card.

OTHER BUSINESS CARDS

Citi Business MasterCard. 40,000 miles after $3k spend in 3 months. $95 annual fee, waived first year. Landing page available here.

Citi Business Mastercard. 35,000 miles after $1.5k spend in 3 months.

Citi Business Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year. Landing page available here.

Citi Business Mastercard. 30,000 miles after $1k spend in 3 months. $95 annual fee, waived first year. Up to $100 statement credit for AA purchases. Landing page available here.

Quote:
Citibank Contacts/Resources (Please add the others that you know)
  • Application status: https://www.accountonline.com/cards/...?screenID=3187
  • (800) 695-5171 – Personal Application Status and Reconsideration Line with live rep
  • (800) 763-9795 – General Personal Application Inquiries with live rep
  • (800) 645-7240 – Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
  • (800) 288-4653 – Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
  • (866) 606-2787 – General Application and Account Questions with live rep
  • (888) 201-4523 – Application status
  • (866) 606-2961 – Reconsideration Line.
  • Twitter : @AskCiti. Very powerful tool.
  • Executive Office - useful for getting a more empowered agent for reconsideration purposes: CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117

FAQ
  1. Are these AA cards churnable?
  2. What are the most current time-restriction rules in applying for all Citi cards?
  3. Do I need to close existing cards before applying?
  4. When should I close existing Citi accounts?
  5. Can I apply for a business card if I don’t have a business?
  6. Can I buy Visa gift cards to meet my minimum spend?
  7. Do I get 10% back when redeeming miles for awards?
  8. Do I have to use my own AAdvantage number on applications?
  9. There is nothing on the application page stating the bonus miles. How do I know what I will be getting?
  10. When will my bonus miles post?
  11. I met the minimum spend. Why does my statement say "Miles Reported to AA: 0"?
  12. Can I cancel a card using secure messaging?
  13. I activated the card online and got a message about this card replacing an old card. What does that mean?
  14. 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.

For more on the 10% rebate benefit, see Citi 10% miles back / rebate for reward redemption.


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.

For ongoing discussion, see Some AA Citi Card miles not transferred to AAdvantage accounts [Q3 2013 - Q1 2014]


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:

Quote:
"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.

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Old May 27, 13, 4:27 pm   #1
 
Join Date: Dec 2006
Location: USA
Programs: All Major Airlines, Hyatt/Choice/IHG Plat, Marriott/SPG/HH/CC Gold & most other major programs
Posts: 1,295
Citi AA credit cards. Best offers now 50k. [Read wikipost first]

Quote:
Originally Posted by imslippy View Post
I'm trying the first link now and im getting a 'A system error has caused a delay in processing your application. Please try again later.' message.

Does this mean the 50k offer is dead? Can anyone else get it to work?
It is not working and seems to be dead like other 50 K offers.

All good things come to an end .
gv111 is offline   Reply With Quote
Old May 27, 13, 4:30 pm   #2
 
Join Date: Apr 2004
Programs: AA plt 2 mm, MR gold, HH gold
Posts: 644
Quote:
Originally Posted by gv111 View Post
It is not working and seems to be dead like other 50 K offers.

All good things come to an end .
I just clicked on the 50k personal visa link and it sent me to the app page. I am using Firefox. I am not applying for it right now, but it seems to be working for me.
jeanie is offline   Reply With Quote
Old May 27, 13, 4:36 pm   #3
 
Join Date: Jun 2012
Location: In CT,left my heart in Leicester.
Programs: Work in progress.
Posts: 1,237
Quote:
Originally Posted by gv111 View Post
It is not working and seems to be dead like other 50 K offers.

All good things come to an end .
That link has a lot of problem with cookies.
Go into your browser settings, and inside the cookies, do a selective search for "CITI", and then delete all of those cookies.

Restart the browser, and the link should work.
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Old May 27, 13, 5:08 pm   #4
 
Join Date: Sep 2005
Programs: Northwest, United
Posts: 1,445
Many thanks to you, jatink129, for maintaining and updating the details. Very helpful to many of us.
nwflyboy is offline   Reply With Quote
Old May 27, 13, 5:45 pm   #5
 
Join Date: Jul 2012
Location: YVR (BOS at times)
Programs: Anything with miles
Posts: 196
Thank you very much jatink129,

My AoR tomorrow will go smoothly because of you =]
imslippy is offline   Reply With Quote
Old May 27, 13, 6:31 pm   #6
 
Join Date: Nov 2008
Location: ORD
Programs: AA PLT
Posts: 1,210
Interesting data point I just noticed as I was going back and looking at some statements: I signed up last fall for the 50k Visa with $100 statement credit and 50k personal Amex using the 2BM, and my first charge with AA was only $30 on the Visa (stupid, I know). The following month, I made another booking on AA with the Amex to meet the required spend -- and received a statement credit for the remaining $70 that was applied to the Amex. Seems Citi's systems are programmed to check across all cards.
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Old May 27, 13, 9:04 pm   #7
 
Join Date: Jun 2012
Location: In CT,left my heart in Leicester.
Programs: Work in progress.
Posts: 1,237
Quote:
Originally Posted by nwflyboy View Post
Many thanks to you, jatink129, for maintaining and updating the details. Very helpful to many of us.
Quote:
Originally Posted by imslippy View Post
Thank you very much jatink129,

My AoR tomorrow will go smoothly because of you =]

One is glad to be of service.

P.S- Your real thanks should be directed towards people like sdsearch...it was only by reading their posts, that I learnt so much.
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jatink129 is offline   Reply With Quote
Old May 27, 13, 9:18 pm   #8
 
Join Date: Apr 2010
Posts: 201
Applied with link #1. App went through with message: We have received your application and further processing is required at this time. We will contact you within a week via email regarding our decision.
napilimom is offline   Reply With Quote
Old May 28, 13, 12:34 am   #9
 
Join Date: Mar 2011
Posts: 155
Quote:
Originally Posted by jatink129 View Post
One is glad to be of service.

P.S- Your real thanks should be directed towards people like sdsearch...it was only by reading their posts, that I learnt so much.
I hardily agree about learning so much from Sdsearch. She's very generous with her time and knowledge.
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Old May 28, 13, 1:33 am   #10
 
Join Date: Jul 2012
Location: home of the world champions
Posts: 123
Quote:
Originally Posted by guoguo914 View Post
I'm wondering for folks who get the "up to $150" version card, did “buying a refundable (or non refundable) AA ticket and cancelling afterwards” work?
Yes, it works. I have tried that method across 3 cards in the last 6 months to get $100 credit.
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Old May 28, 13, 2:52 am   #11
 
Join Date: Feb 2011
Location: CVG
Programs: Hyatt Giraffe
Posts: 627
Quote:
Originally Posted by jatink129 View Post
That link has a lot of problem with cookies.
Go into your browser settings, and inside the cookies, do a selective search for "CITI", and then delete all of those cookies.

Restart the browser, and the link should work.
Been trying everything I can think off. 2 computers, 3 different browsers, deleted all cookies/browsing history, restarted browsers no luck. Still that same error message Was able to click through link yesterday. Anyone still having luck? Will try again in the morning.
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Old May 28, 13, 6:39 am   #12
 
Join Date: Apr 2012
Posts: 1,150
Quote:
Originally Posted by sam_goh View Post
Been trying everything I can think off. 2 computers, 3 different browsers, deleted all cookies/browsing history, restarted browsers no luck. Still that same error message Was able to click through link yesterday. Anyone still having luck? Will try again in the morning.
Looks dead to me. Think the last remaining 50k AA link is gone...
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Old May 28, 13, 8:37 am   #13
 
Join Date: Aug 2010
Location: Bay Area, CA
Programs: AA Plat, UA Gold, AS MVP Gold, HH Diamond, SPG Gold, Club Carlson Gold, US
Posts: 820
Quote:
Originally Posted by gloreglabert View Post
Looks dead to me. Think the last remaining 50k AA link is gone...

Looks like the link is gone. I am glad i did the 2BM last week. Got two Plat Visas approved...
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Old May 28, 13, 8:56 am   #14
 
Join Date: Sep 2005
Location: CVG
Programs: AAdvantage, Delta Skymiles, CapOne Venture, Citi ThankYou
Posts: 439
Two Citi Cards, One Credit Pull

Data Points

Citi Accounts
2 AADV Platinum opened > 24 months prior to current apps, closed
Multiple ThankYou most recent opened Q3 2011
1 AADV Business opened Q1 2013, not reported to bureau

Credit
IdentityMonitor FAKOs
Before: Equifax – 769, Experian – 752, Trans Union – 785
After: Equifax – 759, Experian – 749, Trans Union - 782
Citi pulls Experian on me

Apps this Churn
Citi AADV Platinum Select - Experian
Citi ThankYou Preferred - Experian
Amex personal - Experian
Barclays business - Trans Union
US Bank business - Experian

This churn was Experian heavy.

Objective
My objective specific to Citi was to see whether I could get two applications to approval from a single credit pull. This was successful.

Method
I had three theories I wanted to test but only ended up testing the first.

1. Close but Not Same Day Apps
As I outlined in a couple prior posts Citi’s post Feb 1 declines broke down into declines for same product and same day. I questioned whether we could play with the cutoff of the Citi day to have apps far enough apart to count as different days but close enough together to report to the bureau as a single pull.

2. Attempt Multiple Browser User Agents
I was going to attempt this by simply using different browsers to make each of the Citi applications. I forget whether I followed through with this or not but I may have.

3. Attempt Multiple IP Addresses
I was going to do one application from my network and then login to a neighbor’s open wifi to do the second application so the same IP was not registered by Citi. I never did this due to being half asleep at the time of my second application.

Execution
I’d no idea when Citi stops one day and begins another for the purpose of applications. I applied at 11:45 PM Eastern for the AADV app and about 3:30 AM Eastern for the ThankYou app. I figured those constitute different days on any of the US continental time zones.

This was, eventually, successful.

Citi’s applications have a reference number which begins with the date. By applying with a specific time gap I forced them into separate days with the objective of avoiding the same day app decline reason.

App 1 20130505……. AADV Platinum Select
App 2 20130506…… ThankYou Preferred

These dates are made up but it was a Sunday evening if that makes a difference in other’s tests.

Results
App 1 – American Advantage
This app did not go to instant approval but did get to step 5 in the application process so I was fairly confident of approval. I tried chat but it dropped so I called and was approved on the phone. I was surprised they were there that late. I never received an approval email but did get a FedEx shipping notification the next day.

Denial for First Time User – avoided with > 18 mths between apps
Denial for Same Product – avoided with a single American Platinum app
Denial for Same Day – avoided by spacing applications close but not on same day

App 2 – ThankYou Preferred
The app only went to step 3 initially so it didn’t look too good. This was the 3:30 AM app so I didn’t chat or call anyone but let it play out. About a week later I received a letter denying the application on the basis of:

Too many recent credit inquiries are recorded on your credit bureau

Unsuccessful? Not quite. I’d avoided several decline reasons:

Denial for First Time User – avoided with > 18 mths between TY Pref apps
Denial for Same Product – avoided with a single TY Preferred app
Denial for Same Day – avoided by spacing applications close but not on same day

I can hear you. Still it’s a denial, right? Yes but not all denials are the same. Some denials can be overcome by following the instructions in the letter to make your case and some cannot. The Executive Offices can also be utilized but I’ve never done this and have only responded to the credit department on the denial letter.

I have only ever had two card apps denied. Both were Citi. Both were for too many inquiries. Both, including this one, were later approved by pulling a free copy of my Experian bureau and writing them back a nice note asking for reconsideration within the 30 days allotted. I didn’t change anything on my bureau. All the inquiries the system saw were still on there. Both resulted in approved applications without additional bureau pulls when reviewed by a credit specialist.

Full Disclosure
In case others experiment with this timing I want to give full disclosure. Beyond my applications I also secure messaged Citi for credit line increases on all my Citi cards. This is something I haven’t done in the past few years but used to do with the objective of all the bureau pulls from the line increases and apps would be merged by the bureaus at the same time. I stopped the past few years as sign up bonus’ were my focus not spend but with the ease of manufactured spend I’ve begun paying more attention to my lines again.

I had multiple Citi bureau pulls doing this. One for the two new apps and one for EACH of the line increase requests. The bureau pulls were distinguishable by their IDs. The applications merged but the line increases did not. This was the source of the initial denial for the second app.

I also did an account conversion into another Citi product at the same time. This did not seem to trigger a bureau pull.

Next Steps
Hopefully others will test and refine this method. Separating the submission date of the application seems solid after this test. Merging the apps into one bureau pull probably relies on when Citi reports inquiries to the credit bureaus. It doesn’t seem to be live or it would be impossible to have two apps from one pull. However there is likely a time that they send over a file and everything up to that time would merge but everything after would not.

So if they sent a file at 6AM, applications in the 24 hours prior that would merge including those in the six hours of the new day. That would be our target for the second application.

I am uncertain if Citi merges or the bureaus do. But they did merge as confirmed on a new 3-bureau IdentityMonitor pull and a separate Experian pull direct from Experian.

Conclusions
Timing the apps close but not same day did effectively and eventually produce two approved applications with one bureau pull. If it proves out with others test it has the potential to restore half the 2BM incentive: two cards with one pull. Unfortunately the days of two of the same 50,000 AADV Platinum cards appear to be gone.
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Old May 28, 13, 9:47 am   #15
 
Join Date: Oct 2012
Posts: 36
Quote:
Originally Posted by T3pleShot View Post
Yes, it works. I have tried that method across 3 cards in the last 6 months to get $100 credit.
How strict is AA refund policy? If I buy a refundable ticket, would I get a full refund if I cancel the ticket 1 week after the purchase date?
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