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Old Sep 1, 14, 11:56 am   -   Wikipost
FlyerTalk Forums Thread Wiki: Citi AA credit cards. Best offers now 50k. [Read wikipost first]
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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 Apr 28, 14, 7:41 am   #4576
FlyerTalk Evangelist
 
Join Date: Jan 2005
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Quote:
Originally Posted by unkn0wns0ldier View Post
Does anyone know if the 2x points you get for shopping on AA includes all purchases on AA.com? i.e - If I Book an Alaska Airlines flight on AA.com do I still get 2x points for that using any of these AA cards that advertise 2x points?
Definitely not all purchases on aa.com. It has to bill to AA. For example, buying miles bills to points.com, so it doesn't count.

The typical offer says:
Earn double American Airlines AAdvantage® miles.6 Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases.6

6 Double Miles on American Airlines Purchases: You will earn two American Airlines AAdvantage® miles per $1 spent on eligible purchases made with your Citi® / AAdvantage® card for items billed by American Airlines as merchant of record. Only the primary cardmember is eligible to earn miles. Products or services that do not qualify are car rentals, hotel reservations, American Airlines Vacation Packages, purchases of American Airlines AAdvantage® miles, duty free purchases and AA CargoSM products and services. In addition, you will not earn double AAdvantage miles on purchases of US Airways flights except for US Airways codeshare flights booked on aa.com. AAdvantage® bonus miles will be posted to your AAdvantage® account 8–10 weeks after a qualifying purchase.
If you buy an Alaska codeshare flight (with an AA flight number), then it's going to billed to AA. If you buy an Alaska flight with an Alaska flight number, I doubt it, because Alaska would be the same situation as US Airways and they just spelled that out above, that it has to be a codeshare.

Buying an Alaska flight on aa.com with an Alaska flight number means Alaska, not AA, is getting paid, except for perhaps some sales commission for selling it on the aa.com site. It's no different than buying an Alaska flight on a third-party travel service.

Last edited by sdsearch; Apr 28, 14 at 7:48 am.
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Old Apr 28, 14, 11:24 am   #4577
 
Join Date: Jan 2000
Location: fort worth, texas
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4506-T Box 6 help

Just got a 4506-T in the mail to return.

This isn't my first experience with the form and Citi, but there was no pre-filled Box checked off for 6, which there needs to be.

I believe every time in the past, I've seen one. This, coupled with the fact that they have my 2013 tax year requested, makes me think Citi just did a new form and hasn't caught the error.

Of course, you can't get a specialist in the area, and I don't trust them to check the box themselves before sending in (plus, I don't think they can legally want you to leave it open).

So, has anyone gotten one of these lately and can you tell me whether they had a box checked on your form?

Thanks.
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Old Apr 30, 14, 2:01 am   #4578
 
Join Date: Apr 2014
Posts: 3
Hello,

I just signed up for the Citi AA Platinum Personal Mastercard, 50,000 miles card and called customer service to confirm benefits. The rep confirmed the 50k bonus after 3k, but could not confirm any other benefits. Now I am confused because the landing page does not list the benefits, but the link from thepointsguy web site takes me to the summary page before the landing page for this card, which states 50k plus the following:

-Get the first eligible bag checked free for you and up to 4 travel companions.
-Enjoy Group 1 boarding and use the extra time to prepare for your flight.
-Earn a $100 American Airlines Flight Discount each year of cardmembership in which you spend $30,000 or more in purchases and renew your cardmembership.
-Earn AAdvantage® miles for using AAdvantage miles. Earn 10% of your redeemed AAdvantage® miles back — up to 10,000 AAdvantage® miles each calendar year.
-Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases4 and 1 AAdvantage® mile for every $1 spent on other purchases
-Receive a 25% savings on in-flight food and beverage purchases when you use your Citi® / AAdvantage® card.
-Fly using fewer AAdvantage® miles with Reduced Mileage Awards!
-Travel with ease and enjoy global acceptance with your Citi chip credit card.

Can anyone confirm these other benefits are included when using the link to this card in the wiki?
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Old Apr 30, 14, 2:50 am   #4579
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Quote:
Originally Posted by alex99 View Post
Hello,

I just signed up for the Citi AA Platinum Personal Mastercard, 50,000 miles card and called customer service to confirm benefits. The rep confirmed the 50k bonus after 3k, but could not confirm any other benefits. Now I am confused because the landing page does not list the benefits, but the link from thepointsguy web site takes me to the summary page before the landing page for this card, which states 50k plus the following:

-Get the first eligible bag checked free for you and up to 4 travel companions.
-Enjoy Group 1 boarding and use the extra time to prepare for your flight.
-Earn a $100 American Airlines Flight Discount each year of cardmembership in which you spend $30,000 or more in purchases and renew your cardmembership.
-Earn AAdvantage® miles for using AAdvantage miles. Earn 10% of your redeemed AAdvantage® miles back — up to 10,000 AAdvantage® miles each calendar year.
-Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases4 and 1 AAdvantage® mile for every $1 spent on other purchases
-Receive a 25% savings on in-flight food and beverage purchases when you use your Citi® / AAdvantage® card.
-Fly using fewer AAdvantage® miles with Reduced Mileage Awards!
-Travel with ease and enjoy global acceptance with your Citi chip credit card.

Can anyone confirm these other benefits are included when using the link to this card in the wiki?
Every Citi AA Platinum Personal Mastercard has those benefits. It does not matter what link you used or when you received your card.
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Old Apr 30, 14, 2:10 pm   #4580
 
Join Date: Apr 2014
Posts: 3
Quote:
Originally Posted by skibum7732 View Post
Every Citi AA Platinum Personal Mastercard has those benefits. It does not matter what link you used or when you received your card.
Thanks! That is what I assumed. I am not sure why the rep could not confirm them.
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Old Apr 30, 14, 2:43 pm   #4581
 
Join Date: Jun 2012
Posts: 83
Use Targeted Offer or Best Offer?

Need some advice on CitiBusiness AAdvantage Cards. Back in January our business had 2 cards, mine + another employee. The old CitiBusiness AAdvantage rule used to be a total of 3 cards per business, so I took a chance and another employee applied for a 3rd card for the business, and was declined. I immediately cancelled one of the cards and sent a reconsideration letter. I also called the reconsideration line to no avail. I was first told the denial was because our business had “the maximum number of accounts” that Citi will issue to a business. Then, even after the first was cancelled and that was no longer the case, I was given various reasons for denial. They insinuated that it was because the company had previous cards in the past that had been cancelled and interpreted “maximum number of accounts” to mean over time and not to be speaking of the present. Based on prior experience, I feel that’s not the case. I should add this was the first time we have ever been denied a card where we were unsuccessful in its appeal.

After reading the posts about the 2 different account numbers, I logged in to the old accounts and saw the old credit limits, etc., still visible. I called to ensure both corporate and individual account numbers were fully cancelled, and even though they assured me they had been, asked for letters to be sent. The phone rep also mentioned something about CitiBusiness reporting closures only to Dunn & Bradstreet. The letters arrived and confirm both have been cancelled.

We want to reapply for a CitiBusiness AAdvantage Card. I’m assuming that another employee (me) with the only remaining business card won’t hinder the new application. Since closing the previous card, the other employee who will be applying has received 3 emails from AAdvantage with targeted offers for a CitiBusiness AAdvantage Card. The offers are 10,000 miles less miles than the best-50K-offer on this Thread (30K miles after $750, then 10K more miles after $5K spent in 6 months). So, $2,750 more would need to be spent for 10,000 less miles than the best offer available. I am assuming we will be approved for the targeted offers, but am not so sure if we should go with the better --- untargeted --- offers on this Thread after the way we were treated by the those who responded to our letter. (Has anyone ever been denied who was sent a targeted offer?)

My questions are:
1)Should we try the better offer or should we play it safe with the targeted offer?
2)Also, we can wait on the application to give more time for all of the closures/old credit limits to clear (although I assume they already had since most accounts were cancelled years ago, but one never knows and the new confirmation letters were sent in recent weeks). The last application was more than 95 days ago and the 2nd card was cancelled the same day. There is now only 1 business card for the business. Are we safe to apply now, or should we wait?

THANKS!

UPDATE:
Re-applied after 105 days. At the end of the process, told to call. They put us on hold for nearly 20 minutes, then informed us that the business has had too many AAdvantage sign-up bonuses in the past (although it's not that many, compared to the experiences of others on these boards:>). This is the first time we've ever received the "call us" note where the application was not approved. This may be for several reasons: while we waited the appropriate length from the last application, we had contacted the reconsideration dept several times, by phone and mail, and perhaps that factored in. I also recently requested the closure letters for Corporate and Individual accounts, so perhaps there was something lagging there, too. Not exactly sure, but the agent didn't ask us for any info to clarify for her. She just flat-out denied it because of the past cards, but did say she tried to get her supervisor to approve it. I did get the feeling that the decision was in their hands. Slightly surprised, considering it was a targeted offer. (UPDATE 5/21: Another targeted offer arrived via Email -- the 4th one for the business. The language now reads, "This MasterCard offer is not available to you if you already have a CitiBusiness/AAdvantage card account. Additionally, this offer is valid only for first time CB/AA World MC cardmembers.....")

Last edited by miles4sheli; May 21, 14 at 10:09 am. Reason: update
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Old May 1, 14, 11:35 am   #4582
 
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Anyone buy any gift cards with this to meet the required spend?
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Old May 1, 14, 11:45 am   #4583
 
Join Date: Jun 2013
Posts: 81
Citi AA credit cards. Best offers now 50k. [Read wikipost first]

After 3 months and several phone calls us a complaint to the occ, I received my 50k spend miles, plus my 20k miles I demanded for their mess up. Patients pays off
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Old May 1, 14, 12:52 pm   #4584
 
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Originally Posted by haloseven View Post
After 3 months and several phone calls us a complaint to the occ, I received my 50k spend miles, plus my 20k miles I demanded for their mess up. Patients pays off
What happened?
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Old May 1, 14, 3:19 pm   #4585
 
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Quote:
Originally Posted by waygora View Post
What happened?
3 months of AA miles not showing up.
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Old May 1, 14, 5:06 pm   #4586
 
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Originally Posted by f0xx View Post
3 months of AA miles not showing up.
You're aware of the separate lengthy thread discussing that topic, right?
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Old May 1, 14, 5:11 pm   #4587
 
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Quote:
Originally Posted by beltway View Post
Before you make yourself look silly.
Check who you're quoting... I'm well aware of AA/Citi cards not posting points.
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Old May 1, 14, 9:12 pm   #4588
 
Join Date: Nov 2010
Posts: 1,062
Just went for this one:
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.

Was approved instantly, credit card number and CVV code was revealed to allow me to use the card instantaneously. Yeah, I know...it's not 100K or even 50K. But what attracted me to the card was that the 1st year fee was waived, $100 statement credit, and only 1K spend (will make spend in 1 day) in order to get the miles. I see it as an easy 30K. Was worth the hard hit and I will keep this card for at least 2 years, maybe longer.

Hope the miles post quickly.
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Old May 2, 14, 10:38 am   #4589
 
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Quote:
Originally Posted by BillyBaloney View Post
Was approved instantly, credit card number and CVV code was revealed to allow me to use the card instantaneously.
They revealed your full CC number and CVV code before you receive the physical card? I've never heard of an issuer doing that.
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Old May 2, 14, 10:44 am   #4590
 
Join Date: Nov 2010
Posts: 1,062
Yes they did. It is the first time I have seen this. I never knew that CC companies do this, maybe it is exclusive to Citi.

And where they listed "expiration date" they wrote "Temporary expiration date" and gave me a date like - 12 or 15 days ahead. I guess they figure that the card will arrive by that time. So they give you enough online to get you going (assuming one gets approved, of course).

If people need instant credit (and I mean instant) this may be the card for them.
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