Originally Posted by
susieling
I just got the rejection email for my application of the AAdvantage visa card and the reason is "you have maximum allowed credit limit already", I have only 2 cards (both are 3+ years old and I kept using them every month) with combined limit of about 30k, does someone happen to know what is the normal limit these days citi will feel comfortable for each individual? I called and explained that I would like to lower limit or close card, but no help, the representative said even with my willing to adjust, I have to resubmit another application (in other words, once rejected, they won't reconsider the same application again, used to be so easy to get approval over the phone in those golden days). Since I have not applied for any citi card for over a year, I am not familar with their procedure/policy now. Is there any suggestion to work over this rejection or at least get prepared for future application? Greatly appreciate if you could share.
I had the same issue when applying for the 30,000 mile Visa offer back in late December. The combined credit limit on my Citi AA MC and Citi AA Amex was well over 40K. So, my Visa app was rejected for the same reason and I was told on the phone that I should wait 6 months before reapplying! After a couple of days, I called in and got my MC line reduced such that the combined limit on the MC + Amex was no more than 21K.
After waiting out a couple of months, I just applied for the Visa again and got approved instantly online!! Thankfully, I retained the
link from back in December (this is valid till Feb 28th!) that allows existing card members to apply - all the new links from Citi marketing are for first time members only and some of them do not even waive the card fee for the first year! And, this is the Business Visa
link - not sure about your question about any documentation that Citi might ask about the business though (never applied for any of the business cards).