Thank you for heads up, I really appreciate it! Yes, I am actually aware of the state of events with CITI AA cards at this time, but I am currently focusing on other cards, because of my travel plans. Also, CITI has been pulling 2 agencies on me every time in the last 2 years :Experian and Equifax. I still might do, what you suggested, but after I get the other cards taken care of. Also, even though I have only a few posts, I have been a lurker and "churner" for years. Still, I really do appreciate you taking your time and giving advice. Thanks!