Whacky: I didn't see your reply to mine until just today because you buried it in the italics that were quoting my own message. Since you own your own business, you can take the matter up with yourself when it comes time for your semiannual performance review!
Originally Posted by
brasov02
Not exactly. I'm not the only one who has just applied and received a new account, with the 30,000 mile bonus and waived annual fee confirmed, just within the last few days. (Just got the card yesterday.) And I not only had an open account at the time (and still have) I had recently applied, and received, another card 60+ days previously.
Not sure why it still worked for me but that's why I said previously that at the moment, attempting to churn a CITI AA card is a crap shoot. But it obviously seems to be getting more difficult...
Ditto. +1. On 11/30, I applied and was instantly approved for Citi AA personal MC w/$2K CL. At the time, I'd closed all my personal churn cards, which left me with three open Citi cards: my personal legacy Citi MC, my legacy business AA-earning MC, and my business AA churning Visa. On 12/1, I got the approval e-mail confirming the instant approval.
I'm out of town until Monday 12/7, so I'll have to wait and see: maybe the card will have arrived by then. So, churners, don't extinguish all hope.
Originally Posted by
CandymanJim
LOL, I applied for the Citi Business card and was declined "Too many Applications". Applied for the Chase BA card and got the we will let you know within 15 days.
There was a glimmer of hope though, my wife got the followup letter or the pin number, but she hasn't gotten the card yet from the Nov 17th applications we both did. I got flatly declined. Hopefully it will be in the mail in the next few days.
Looks like I will have to earn my miles the old fashioned way now... spending on my credit cards!
Jim
CMJ: you could go back to the really old-fashioned way of earning miles: buying a ticket to paradise.
Originally Posted by
pawtim
Wirelessly posted (BlackBerry8830/4.2.2 Profile/MIDP-2.0 Configuration/CLDC-1.1 VendorID/105)
+1
I applied for 2 on 11/22, and got both in the mail. Now I have 4.
(I did not know about this thread/problem until 2 days ago; otherwise I mightn't have applied.)
Something that struck me as a possible distinguishing element is how much people use their Citi cards. Years ago I applied for a Citi card and got denied; I had a phone convo with the rep who said "you don't really use the cards we've already issued to you! Why should we give you a new one?"
I promised to use the new card, and I did.
So, having had that experience in the past, I do use my Citi AA cards. The one mile per dollar is not as good as the SPG or Chuck cards, but I've viewed it as part of having a relationship with Citi.
Maybe that's why my 11/22 apps got cards?
Reading this and other threads, it seems like a lot of folks were charging $750 and that's it.
I recall one post that said something like "I haven't been greedy -- I just spend the $750 for the bonus and then cancel". (This is a paraphrase; I can't search on my blackberry and I don't think it's too important to actually cite.)
Interesting thought. I've churned only seven cards total to date, but I always spend more than the minimum. I've kept my biz card open four months already and have probably put +$7000 on it.
Originally Posted by
chris k
3. If I opt for the Visa Business, is there anything special I should watch out for? I do sell a good portion of my Season Tickets (baseball) online via e-bay etc and a few other items ,and I guess could claim that is my business, but I really don't have substantial income from this and I believe they ask for income from the business. I would bet that many folks out there are not actually business owners who get the business card. Maybe you all are…..but IF you were not….how would you approach this?
Thanks!
In order to avoid going offtopic here while offering an answer to the question chris k twice asked, I'll be brief.
I would suggest registering a trade name in your state then applying with the IRS for a tax ID number for that trade name. Voila: you have a business. Also, you do not need to make a profit to be considered a legit business. You can have losses when you are in business. To test the legitimacy of your business, the IRS assesses whether you are running your operation as a business or as a hobby. Bottom line: run your business like a businesss, and you have a business. (If you have sales of over $400, you have to file tax returns.) And if you have a tax ID#, you can more easily (and legitimately) apply for biz CCs.
Search the IRS Web site; they have many pubs on starting a business.