bombnthud

For me, it was marked as a standard purchase, not cash advance. You have to select "Goods/Services" on AP.

x712xdamx

Good to know!! I'll have to go for the Visa later this year if it's still around.

They moved lines from my AA Amex to TYP Premier card pretty painlessly.

I am not expecting to pay any fees for AMZN Pmts. Never have

amolkold

I've had a Citi credit card for 4 years and have used it every single month + paid it off every month on time. In fact, it's a TYP card and is the main reason why I want this card, so that I can have a better card on which to earn/redeem my TYPs.

How much is a boatload? In the past year, I've gotten 5 new cards (6 if you count the Chase card I got during the same app day as the Citi cards). I have $5000 on one Citi card (the 4-year old one) and $12000 on another Citi card (9 months old).

Did you close the AA Amex or just shift credit lines?


In any case, I'll call Citi either tonight or tomorrow. My AA Visa statement closes today and I want to see those miles post before I possibly have to close it in favor of this card (had a 3.2 mile/$ promo and waiting on 10K miles to post).

jimmy1

i received the card welcome package and says annual fee $125 and doesn't say anything about first year free.

anyone saw the same?

amolkold

Thanks, tried calling but Citi rep was unhelpful. Wrote a letter, we'll see what happens now.

windcloud5

I applied for the TY VISA using the link from post 290 and applied for the TY Mastercard using the link from post 348. I was instantly approved for both cards.

TY Visa had $11700 Credit limit and shows a 769 credit score from Equifax.
TY Mastercard had $6000 credit limit and shows a 763 credit score from Equifax.

I clicked on the TY Visa first. So the inquiry cost me 6 points.

Happy

Citi gave you your FICO on the applications? Or this is what you got from checking your monitoring service?

rionio77

Great data point. Thanks for posting. Have others had trouble getting approved for both the Visa and Mastercard?

chrisj500

I accidently applied in mid-2011 for two Mastercards. This weekend, I applied for the Visa and was approved after calling in per the request in step 5 of the app status. The underwriter confirmed the bonus.

CVG_Kid

http://www.flyertalk.com/forum/17895249-post9.html

flyer4512

Just finished my $2500 spend on the MC and redeemed for $500 in gift cards

Applied for the Visa today and they asked me to call in for some reason for approval. Approved and made sure I was getting the same $2500 spend and first year annual fee waived................All set for another easy 50,000 points

windcloud5

Happy, Citi gave the FICO score on both App. The FICO appears when you click continue after the screen says you are approved. Scroll down and you will see your FICO score along with the T&C. Since I have two different scores, I can safely assume Citi pulled my score twice. They never used to give the score out but they do now.

Happy

Thanks for the info.

How come we did not get such additional sheet on our recent approval of the AA cards? All we got was email Congrats and not even mentioned about which bureau it used though we know it would be EX.

Also just got 2 approval letters from Chase on the UA MP Explorer - there is mentioning about EQ being used, but NO score.

Is this a unique thing Citi does on its In-House products?

Shouldn't the reg applies to all card applications?

EDIT:

So the reg only applies to the approval on "less than favorable terms" - what the heck dpes it mean? Higher interest rates? Who cares as long as one pays in full every month, when all it matters is the bonus being honored, and the card benefits being the same.

Besides, why would one has high 700's score would be approved on "less than favorable terms"?

Happy

Is this only available for Instant Approval?

EDIT:

Apparently it is not based on the prior posts CVG_kid kindly provided - that Citi sends 2 sheets of letter and the FICOs are on the 2nd sheet.

I went back to read the approval emails on husband's AA cards rec'd a month ago, there is no where about FICO nor a link to click thru. (the CLs are 11.5K and 15K respectively.) No 2nd page of the email, nor any hard copy letter ever received.

CVG_Kid

What happens is the banks are showing a sliding scale of APRs on the applications. The APR you get is based on your credit worthiness. It will say something like 13.99% APR to 22.99% APR. Here's an example from the Citi ThankYou Premier Terms & Conditions.

Basically, if you don't get the most favorable (lowest) APR, the provisions of the 2009 Risk Based Pricing Amendment to the Fair Credit Reporting Act kick in and they have to disclose the FICO they used in the credit decision resulting in the less favorable APR. Of course if you get the lowest APR they're not required to disclose it.

Not sure if other banks do this but they must if they offer risk based pricing.

I've no knowledge of it showing online. I had mine in the paperwork that came when I opened the last account. I got the mid-tier APR I suppose as I had so many open Citi accounts since the FICO was 50 points over what I was expecting from my FAKOs.