Jun 13, 2013, 2:57 pm
Last edit by: mia
This wiki is no longer being maintained/updated.
See the new thread & wiki at http://www.flyertalk.com/forum/citi-...24-months.html.
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See the new thread & wiki at http://www.flyertalk.com/forum/citi-...24-months.html.
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SEE NEW THREAD - 50K AA Cards
As of Sunday August 25, 2013:
Reports indicate personal cards can no longer be rapidly churned.
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.
- Citi AA Platinum Personal Mastercard 50,000 miles. This is a CHIP and Signature card.
- Citi AA Business Mastercard 50,000 miles.
- Citi AA Platinum Personal Mastercard 50,000 miles. This is a CHIP and Signature card.
- Citi AA Business Mastercard 50,000 miles.
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.
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.
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
- 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 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 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
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:
"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."
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.
Citi AA credit cards, except Executive. (2013-2014)
Aug 4, 2013, 10:56 am
#1351
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,932
So you have to apply for them very separately!
(The long-standing Citi rule of no more than 2 card apps of any type in any 65 day period also still applies. But that limits when can do your third card, not when you can do your second card.)
Combining these two, it stands to reason that you have to wait at least 8 days after you first card to do your second card, and you have to wait at least after you first card to do you third card, and you have to do your second card at least 8 days before you do your third card.
So you can either do the easy math of "about a month" for the second card, or you can time it to your wish's desire between those more specific boundaries.
But if you try to do two cards on the same day or even on successive days, in an effort to hide pulls, you'll be rejected, simply because Citi no longer allow cards apps to be anywhere near "simultaneous".
Aug 4, 2013, 10:57 am
#1352
Suspended
Join Date: Jan 2013
Location: Barcelona
Posts: 3,317
And don't think for a second that you can outsmart a bazillion-dollar bank hiring hundreds of Ivy League quants and computer scientists to program algorithms into the supercomputers that run their analytics. Whether it's the first charge or the hundredth, the idea that they don't know exactly what is up is a laughably naive one. These deals and "tricks" - offers without landing pages, changes to the churnability of cards, VR purchases - only work because the banks and lenders let them work. Citi probably has a full-time employee monitoring blogs and FT. They've run the numbers and see there to be a net benefit - revenue, free cash flow, whatever - somewhere in their system. The day they want the deal to die, it dies.
Right now it's become increasingly clear that Citi is not a sure thing with AA post-merger. So Citi is trying to get its numbers up. They're letting these cards fly to push account holder stats and revenue figures up to help them bargain with AA. That's their interest right now - it's worth more to them than the points they're giving away. But the day it stops being so, it's over. When you're on a streak, stay at the table, but in the long run the house always wins.
Right now it's become increasingly clear that Citi is not a sure thing with AA post-merger. So Citi is trying to get its numbers up. They're letting these cards fly to push account holder stats and revenue figures up to help them bargain with AA. That's their interest right now - it's worth more to them than the points they're giving away. But the day it stops being so, it's over. When you're on a streak, stay at the table, but in the long run the house always wins.
I think the earlier quote that we're "being monitored" is quite alarmist. I don't think there are any full time employees combing through our billing statements, especially right after approval. Citi is in the business of making money. There is nothing inherently wrong with buying VRs (Especially as long as it's not your sole purchase). All of these apps are giving Citi TONS of $$$. It's a windfall. This may change greatly post USAir and AA merger. But, for right now, I think we're in the clear.
Aug 4, 2013, 11:22 am
#1353
Join Date: Nov 2008
Posts: 115
The new Citi rules include a minimum of 8 days between your first and second card app. You will declined if you did it in less than a week!
So you have to apply for them very separately!
(The long-standing Citi rule of no more than 2 card apps of any type in any 65 day period also still applies. But that limits when can do your third card, not when you can do your second card.)
Combining these two, it stands to reason that you have to wait at least 8 days after you first card to do your second card, and you have to wait at least after you first card to do you third card, and you have to do your second card at least 8 days before you do your third card.
So you can either do the easy math of "about a month" for the second card, or you can time it to your wish's desire between those more specific boundaries.
But if you try to do two cards on the same day or even on successive days, in an effort to hide pulls, you'll be rejected, simply because Citi no longer allow cards apps to be anywhere near "simultaneous".
So you have to apply for them very separately!
(The long-standing Citi rule of no more than 2 card apps of any type in any 65 day period also still applies. But that limits when can do your third card, not when you can do your second card.)
Combining these two, it stands to reason that you have to wait at least 8 days after you first card to do your second card, and you have to wait at least after you first card to do you third card, and you have to do your second card at least 8 days before you do your third card.
So you can either do the easy math of "about a month" for the second card, or you can time it to your wish's desire between those more specific boundaries.
But if you try to do two cards on the same day or even on successive days, in an effort to hide pulls, you'll be rejected, simply because Citi no longer allow cards apps to be anywhere near "simultaneous".
Aug 4, 2013, 1:31 pm
#1354
Join Date: Apr 2010
Location: SFO
Programs: OZ *G; HH Diamond;
Posts: 1,644
So you have to apply for them very separately!
(The long-standing Citi rule of no more than 2 card apps of any type in any 65 day period also still applies. But that limits when can do your third card, not when you can do your second card.)
Combining these two, it stands to reason that you have to wait at least 8 days after you first card to do your second card, and you have to wait at least after you first card to do you third card, and you have to do your second card at least 8 days before you do your third card.
So you can either do the easy math of "about a month" for the second card, or you can time it to your wish's desire between those more specific boundaries.
But if you try to do two cards on the same day or even on successive days, in an effort to hide pulls, you'll be rejected, simply because Citi no longer allow cards apps to be anywhere near "simultaneous".
Aug 4, 2013, 1:50 pm
#1355
Join Date: Apr 2004
Programs: AA plt 2 mm, Marriott LTT, HH dia
Posts: 1,215
And don't think for a second that you can outsmart a bazillion-dollar bank hiring hundreds of Ivy League quants and computer scientists to program algorithms into the supercomputers that run their analytics. Whether it's the first charge or the hundredth, the idea that they don't know exactly what is up is a laughably naive one. These deals and "tricks" - offers without landing pages, changes to the churnability of cards, VR purchases - only work because the banks and lenders let them work. Citi probably has a full-time employee monitoring blogs and FT. They've run the numbers and see there to be a net benefit - revenue, free cash flow, whatever - somewhere in their system. The day they want the deal to die, it dies.
Right now it's become increasingly clear that Citi is not a sure thing with AA post-merger. So Citi is trying to get its numbers up. They're letting these cards fly to push account holder stats and revenue figures up to help them bargain with AA. That's their interest right now - it's worth more to them than the points they're giving away. But the day it stops being so, it's over. When you're on a streak, stay at the table, but in the long run the house always wins.
Right now it's become increasingly clear that Citi is not a sure thing with AA post-merger. So Citi is trying to get its numbers up. They're letting these cards fly to push account holder stats and revenue figures up to help them bargain with AA. That's their interest right now - it's worth more to them than the points they're giving away. But the day it stops being so, it's over. When you're on a streak, stay at the table, but in the long run the house always wins.
While I do think that there are departments within Citi that are obviously aware of the dead links, your theory does not account for at least 2 significant items I can think of: the disorganization of a huge bureaucracy, and greed.
Different departments within a large organization are judged on different criteria. Specifically in this case, people involved in the marketing of new cards maybe focused solely on issuing new accounts. Whether the new accounts are profitable for the company as a whole or not could be a separate issue all together. The people in marketing get paid to open new accounts, and that might be all they focus on. So if keeping dead links open can help them achieve their departmental goals so that the marketing team can get its annual bonus, then the links might stay open.
In large bureaucracies/companies/organizations/governments, the people in one group really might not give a care about what the others are doing. Multiple unions that work for the same company will work against each other in ways that are counter productive for the company as a whole all the time. US government agencies don't cooperate and share information in a perfect manner, causing redundancies and inefficiencies.
Reality can be messy sometimes. Wall Street has proven that it can shoot itself in the foot and get itself into all kinds of trouble. Assuming that there are a bunch of organized geniuses coordinating all of this gives them too much credit.
Aug 4, 2013, 2:08 pm
#1356
Suspended
Join Date: Jan 2013
Location: Barcelona
Posts: 3,317
(I am in no way suggesting we have free reign, or Citi won't close some links down/tighten up their rules...I'm just saying, right now, I think they're making money and the AA FT forum isn't a priority)
Aug 4, 2013, 2:27 pm
#1357
Join Date: Apr 2007
Posts: 1,857
Data point x2 (same info for both my wife & myself):
4/9/13 - instantly approved for Platinum personal Visa, 50k miles for $2500 spend
4/12/13 - instantly approved for Gold personal MC, 30k miles for $750 spend
7/30 & 31 - received two different mailers in two days, offering 50k miles for $3000 spend
8/3/13 - instantly approved for Platinum personal Visa, 50k miles for $3000 spend
8/4/13 - closed Gold cards from April, to ensure sufficient available credit for instant approval of next card. Was offered the ability to move credit from this card, including to non-AA (Citi Dividend) cards
~8/12/13 - applying for another Platinum, 50k for $3000 spend
Has anyone successfully closed a card online via secure messaging? Closing over the phone is something of a pain, especially since I have to do mine, and my wife has to do hers separately. The representative I spoke to today said it could be done via the mail, but I feel like that probably takes a month to complete, get the confirmation back, etc.
Also, any good answers for why you're closing the account so soon? It wasn't a question I expected to hear, but we both were asked. I just said I had the platinum card as well, and preferred its features. Not sure what I'll say on the platinum cards. Just trying to stay under the radar as much as possible.
4/9/13 - instantly approved for Platinum personal Visa, 50k miles for $2500 spend
4/12/13 - instantly approved for Gold personal MC, 30k miles for $750 spend
7/30 & 31 - received two different mailers in two days, offering 50k miles for $3000 spend
8/3/13 - instantly approved for Platinum personal Visa, 50k miles for $3000 spend
8/4/13 - closed Gold cards from April, to ensure sufficient available credit for instant approval of next card. Was offered the ability to move credit from this card, including to non-AA (Citi Dividend) cards
~8/12/13 - applying for another Platinum, 50k for $3000 spend
Has anyone successfully closed a card online via secure messaging? Closing over the phone is something of a pain, especially since I have to do mine, and my wife has to do hers separately. The representative I spoke to today said it could be done via the mail, but I feel like that probably takes a month to complete, get the confirmation back, etc.
Also, any good answers for why you're closing the account so soon? It wasn't a question I expected to hear, but we both were asked. I just said I had the platinum card as well, and preferred its features. Not sure what I'll say on the platinum cards. Just trying to stay under the radar as much as possible.
Aug 4, 2013, 2:34 pm
#1358
Join Date: Apr 2012
Posts: 130
Data point x2 (same info for both my wife & myself):
4/9/13 - instantly approved for Platinum personal Visa, 50k miles for $2500 spend
4/12/13 - instantly approved for Gold personal MC, 30k miles for $750 spend
7/30 & 31 - received two different mailers in two days, offering 50k miles for $3000 spend
8/3/13 - instantly approved for Platinum personal Visa, 50k miles for $3000 spend
8/4/13 - closed Gold cards from April, to ensure sufficient available credit for instant approval of next card. Was offered the ability to move credit from this card, including to non-AA (Citi Dividend) cards
~8/12/13 - applying for another Platinum, 50k for $3000 spend
Has anyone successfully closed a card online via secure messaging? Closing over the phone is something of a pain, especially since I have to do mine, and my wife has to do hers separately. The representative I spoke to today said it could be done via the mail, but I feel like that probably takes a month to complete, get the confirmation back, etc.
Also, any good answers for why you're closing the account so soon? It wasn't a question I expected to hear, but we both were asked. I just said I had the platinum card as well, and preferred its features. Not sure what I'll say on the platinum cards. Just trying to stay under the radar as much as possible.
4/9/13 - instantly approved for Platinum personal Visa, 50k miles for $2500 spend
4/12/13 - instantly approved for Gold personal MC, 30k miles for $750 spend
7/30 & 31 - received two different mailers in two days, offering 50k miles for $3000 spend
8/3/13 - instantly approved for Platinum personal Visa, 50k miles for $3000 spend
8/4/13 - closed Gold cards from April, to ensure sufficient available credit for instant approval of next card. Was offered the ability to move credit from this card, including to non-AA (Citi Dividend) cards
~8/12/13 - applying for another Platinum, 50k for $3000 spend
Has anyone successfully closed a card online via secure messaging? Closing over the phone is something of a pain, especially since I have to do mine, and my wife has to do hers separately. The representative I spoke to today said it could be done via the mail, but I feel like that probably takes a month to complete, get the confirmation back, etc.
Also, any good answers for why you're closing the account so soon? It wasn't a question I expected to hear, but we both were asked. I just said I had the platinum card as well, and preferred its features. Not sure what I'll say on the platinum cards. Just trying to stay under the radar as much as possible.
Aug 4, 2013, 3:03 pm
#1359
Join Date: Apr 2010
Location: SFO
Programs: OZ *G; HH Diamond;
Posts: 1,644
Aug 4, 2013, 4:42 pm
#1360
Join Date: May 2004
Location: LAX
Posts: 1,849
Got approved for both of us today using the first link.
Through chat I asked to confirm the offer - 50K with $3000 spend.
So you guys are saying I can do exactly the same cards again in 8 days?
What should I answer if the chat approval brings it up?
Through chat I asked to confirm the offer - 50K with $3000 spend.
So you guys are saying I can do exactly the same cards again in 8 days?
What should I answer if the chat approval brings it up?
Aug 4, 2013, 4:43 pm
#1361
Suspended
Join Date: Jan 2013
Location: Barcelona
Posts: 3,317
I did the same thing as you earlier today.
Second card's chat came up, woman said "I see you have multiple cards with us, would you mind if I shifted 2k from card A to card B?"
No mention of anything else.
Aug 4, 2013, 5:09 pm
#1362
Join Date: Feb 2009
Posts: 6,598
I have cancelled over a dozen cards via SM with Citi, Chase, Barclay , etc and have never been asked to call and I have never asked for a retention bonus
Aug 4, 2013, 6:01 pm
#1363
Join Date: Apr 2003
Location: BOS .. but soon SFO
Programs: UA PLAT, TK GLD, Hilton Diamond, IC PLAT, SPG GLD, Marriott GLD
Posts: 1,528
are we speculating you can churn after 65 days or has someone successfully double dipped?
or has this 50k link not been available long enough for that yet?
or has this 50k link not been available long enough for that yet?
Aug 4, 2013, 7:04 pm
#1364
Join Date: Jan 2013
Location: BOS
Programs: AA EXP, DL PM, Hyatt Diamond
Posts: 2,028
Aug 4, 2013, 7:19 pm
#1365
Join Date: Aug 2006
Posts: 73
Between the Mrs and me, I've probably closed ~30 cards by SM. The average time to account closure is probably 1-2 hours. In fact I just closed a Chase card yesterday (on Saturday even), it actually showed up as closed before I even logged out (within 3 minutes). I have never had it questioned or been asked to call, regardless of Citi, Chase, or AMEX. I would NEVER go through the pain of calling to close.
