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Old Dec 16, 14, 7:11 am   -   Wikipost
FlyerTalk Forums Thread Wiki: Citi AA credit cards, except Executive. (2013-2014)
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Last edit by: IkeEsq
SEE NEW THREAD - 50K AA Cards


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 Personal and Business:50K miles & two Admirals Club one-day passes after $3000 spend in 3 months, $95 fee waived first year.

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.

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. 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 dont 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 by some people without restriction other than the general Citi application rules. Apply once every 91-95 days. For unknown reasons, some other 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 dont 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, its 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 Jan 15, 14, 10:28 am   #3871
 
Join Date: Nov 2009
Location: SE coast USA
Programs: US, AA, AM, BA, HH, SPG, PC, Carlson, Marriott, Choice
Posts: 210
Quote:
Originally Posted by Brugge View Post
If the points don't come thru in time, you might want to consider canceling the awards and immediately reserving them again. I did that several times a few months ago. I wasn't sure if I wanted to book, and didn't want to end up paying the redeposit fee, so I would cancel, then re-reserve the award.

Although I was afraid that either Citi would not put award back into inventory, or someone would grab it out from under me, both times the award quickly reappeared and I simply reserved it for another 5 days.

Of course, YMMV....but trying that is way better than just giving up on getting the award.

It seemed to work faster if after canceling the award from the "my trips" page, go back to my trips and if you see the reservation still there, but reading canceled, click "remove". Then you should be able to go right back and reserve those awards again.

Best of Luck...
Thanks Brugge. The points transferred yesterday and we were able to keep our original booking request...good idea you have there, we'll remember that if we ever encounter this situation again! Wishing the rest of you the same luck!
aglasgow is offline  
Old Jan 15, 14, 1:12 pm   #3872
 
Join Date: Aug 2011
Programs: AA, UAL
Posts: 355
Quote:
Originally Posted by UA Fan View Post
I have a rental house that is owned jointly with my wife. I am thinking of applying for the business account, however I was wondering what to do for the Tax Identification Number question - I don't have one and can't put sole proprietor as we jointly own the house. Any ideas?
You are overthinking this . (That should be the feedback / clue enough)

Cheers!
fromfall98 is offline  
Old Jan 15, 14, 1:21 pm   #3873
 
Join Date: Jan 2014
Posts: 5
I intend to apply for both the business and personal cards to get 100K. The first post suggests that there should be a gap of a few days between applications. So, if I apply for the business card today, and the personal card say next month, would that be fine?

Also, is there any preferred order for the applications: business first; then personal OR vice versa?

Thanks.
itispossible is offline  
Old Jan 15, 14, 1:43 pm   #3874
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Location: home = LAX
Posts: 12,933
Quote:
Originally Posted by godsquare View Post
But one cannot apply for both cards on the same day right?

6x days rule also applied here?
You cannot apply for any 2 Citi cards on the same day any more. We recommend waiting at least 8 days, more if possible, between any 2 Citi card apps. (In other words, we used to recommend at least a week, and then someone got rejected at 7 days. Citi is notorious for counting days wrong, so the more you "pad" days between apps beyond what they nominally require, the safer it tends to be. As another example, what Citi calls "60 days" we've had to "pad" out to a recommendation of 65+ days!)
sdsearch is offline  
Old Jan 15, 14, 4:47 pm   #3875
 
Join Date: Mar 2007
Location: San Diego
Programs: UA Lifetime PE, Hilton Dia, WN CP, Hyatt Plat
Posts: 293
Quote:
Originally Posted by itispossible View Post
I intend to apply for both the business and personal cards to get 100K. The first post suggests that there should be a gap of a few days between applications. So, if I apply for the business card today, and the personal card say next month, would that be fine?

Also, is there any preferred order for the applications: business first; then personal OR vice versa?

Thanks.
Waiting until next month should be more than long enough. Biz card is harder to qualify for so you may want to do that first. But, I'm sure others on this board know better than I.
pinguy is offline  
Old Jan 15, 14, 6:32 pm   #3876
 
Join Date: Oct 2012
Posts: 61
How long does it usually take for a statement to generate? My statement closed yesterday but still haven't seen a statement get generated. I recently changed the due date for the credit card, so I hoped that didn't screw something up and make the statement period longer.
dailow is offline  
Old Jan 15, 14, 6:46 pm   #3877
 
Join Date: Dec 2003
Location: LAX
Posts: 6,970
Quote:
Originally Posted by sdsearch View Post
You cannot apply for any 2 Citi cards on the same day any more. We recommend waiting at least 8 days, more if possible, between any 2 Citi card apps. (In other words, we used to recommend at least a week, and then someone got rejected at 7 days. Citi is notorious for counting days wrong, so the more you "pad" days between apps beyond what they nominally require, the safer it tends to be. As another example, what Citi calls "60 days" we've had to "pad" out to a recommendation of 65+ days!)
blissfully unaware of this, i applied and got instantly approved for citi hilton and aa business same day in december
azepine00 is offline  
Old Jan 15, 14, 6:53 pm   #3878
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Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,115
Quote:
Originally Posted by azepine00 View Post
blissfully unaware of this, i applied and got instantly approved for citi hilton and aa business same day in december
Others have found the same ignorance of the seemingly established ruled to be far less blissful. But many good discoveries come from someone doing what we all know to be impossible simply because they didn't know.
KennyBSAT is offline  
Old Jan 15, 14, 8:28 pm   #3879
 
Join Date: Jan 2014
Posts: 206
If I apply for the personal Platinum card, do you think I'll get the bonus? Here is my history with the Aadvantage card: I successfully applied for the Citi AAdvantage platinum card several years ago and eventually converted it to the Bronze Mastercard (over two years ago), which is still open. Just over 95 days ago I successfully applied for the Aadvantage Business Card. I now would like to apply for either another business card or another personal card to get another 50,000 mile bonus. Should I close either the personal Bronze card or the business card first? What are my chances of getting either card for another bonus? Are my chances of getting another bonus better with the personal card or with another business card? Thanks in advance.
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Old Jan 15, 14, 8:37 pm   #3880
2014 Secret Santa
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,115
Quote:
Originally Posted by LWT3 View Post
If I apply for the personal Platinum card, do you think I'll get the bonus? Here is my history with the Aadvantage card: I successfully applied for the Citi AAdvantage platinum card several years ago and eventually converted it to the Bronze Mastercard (over two years ago), which is still open. Just over 95 days ago I successfully applied for the Aadvantage Business Card. I now would like to apply for either another business card or another personal card to get another 50,000 mile bonus. Should I close either the personal Bronze card or the business card first? What are my chances of getting either card for another bonus? Are my chances of getting another bonus better with the personal card or with another business card? Thanks in advance.
If you don't see the wiki at the top of this page, click the + on the top right corner and then read it, preferably several times. Then apply for a personal card without closing anything. If your application is approved, you will get the bonus.
KennyBSAT is offline  
Old Jan 15, 14, 10:34 pm   #3881
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Quote:
Originally Posted by KennyBSAT View Post
Others have found the same ignorance of the seemingly established ruled to be far less blissful. But many good discoveries come from someone doing what we all know to be impossible simply because they didn't know.
It's possible the Hilton and AA cards are managed by different departments that might not consider each other when issuing cards.
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Old Jan 16, 14, 3:15 pm   #3882
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A thread in the AA/US forum that might be of interest:

http://www.flyertalk.com/forum/ameri...merge-but.html
sdsearch is offline  
Old Jan 16, 14, 3:30 pm   #3883
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Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 13,004
Quote:
Originally Posted by sdsearch View Post
A thread in the AA/US forum that might be of interest:

http://www.flyertalk.com/forum/ameri...merge-but.html
Looks like I'll end up with 7 Citi AA cards eventually.
PaulMSN is offline  
Old Jan 16, 14, 3:37 pm   #3884
 
Join Date: Jul 2009
Location: DCA, WAW
Programs: AA EXP
Posts: 775
Quote:
Originally Posted by sdsearch View Post
A thread in the AA/US forum that might be of interest:

http://www.flyertalk.com/forum/ameri...merge-but.html
Can finally MS some things for AA miles that Citi counts as Cash Advances.
LoneTree is offline  
Old Jan 16, 14, 6:44 pm   #3885
 
Join Date: Nov 2006
Location: LAX
Posts: 2,107
Applied October 2013 for the Citi AA biz World MC and still have it. Today applied online only to find out I needed to unfreeze my Equifax report. Called back the application status number and was told everything looks good but I would need to wait 7 - 10 days for the letter.

Hope this means I will be approved but I am not holding my breath. If approved, I would think it would be automatic approval on the spot.
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