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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)
#451
Join Date: Dec 2003
Location: NYC
Posts: 6,433
Any Citigold members here? Has anyone noticed if Citigold factors into the equation, if at all? Is the recon department more lenient if you've been a good customer and kept lots of deposits with them?
I'd like to try churning, but I really don't want to have to move my deposits in the event of a blacklist (and besides, Citigold is one of the better banking programs). Yes, I'm being a wuss
I'd like to try churning, but I really don't want to have to move my deposits in the event of a blacklist (and besides, Citigold is one of the better banking programs). Yes, I'm being a wuss
I'd doubt attempted churning would hurt your Citigold account. As far as I can tell, the worst that can happen is they deny an application for a credit card. So long as you're not submitting fraudulent applications, I wouldn't worry. On the other hand, I'm not privy to Citi's internal procedures.
#452
Join Date: Feb 2003
Location: On strike
Posts: 8,135
A nice additional benefit of the Citi Business Advantage World Mastercard that I hadn't noticed until just now (after seeing the bonus on my first statement) is double miles on office supply, telecom, and car rental charges:
The primary cardmember will earn two American Airlines AAdvantage® miles per $1 spent on eligible purchases with the CitiBusiness® / AAdvantage® World MasterCard® at certain office supply merchants, telecommunications merchants, and car rental merchants. Office supply merchants are defined as stand-alone merchants that primarily sell stationery and office supplies for business consumption. Telecommunications merchants are defined as merchants that sell telecommunications equipment such as telephones, fax machines, pagers, and cellular phones, along with providers of telecommunications services including local and long-distance telephone calls and fax services. Car rental merchants are defined as providers of short-term or long-term rentals of cars, trucks, or vans. This does not include merchants that rent motor homes or other recreational vehicles.
Bizarrely, the line-item entry for the bonus is "CITI ANNIVERSARY 5% BONUS MI."
Last edited by beltway; Jun 30, 2013 at 8:21 pm
#453
Join Date: Jan 2013
Location: BOS
Programs: AA EXP, DL PM, Hyatt Diamond
Posts: 2,028
This is interesting in that I don't recall Citi ever specifying the ability to respond to them via e-mail when applying for a card. Usually it's always a request by phone (and sometimes in the past) a fax.
Would you mind sharing a little bit more the context as well as possibly the e-mail address they gave you (assuming it wasn't personalized for you)? I'm just wondering if there may be another channel now that gets to the credit department some of us might find useful if we get dinged.
Would you mind sharing a little bit more the context as well as possibly the e-mail address they gave you (assuming it wasn't personalized for you)? I'm just wondering if there may be another channel now that gets to the credit department some of us might find useful if we get dinged.
Shawn: Thank you for your patience in holding. We apologize that we are unable to give you a final decision today. You will be receiving a letter or email from us within a week requesting additional information to verify your address. The letter will be requesting a copy of your residential phone bill, dated within the past 60 days, stating your name, mailing address and phone number. Cellular phone bills are not acceptable. If you do not have a land line phone, you could also send a copy of an utility bill (water, cable, electric or sewer), a credit card statement, or a bank statement that must be dated within the past 60 days, and state your name and mailing address. This information can be sent prior to receiving the letter and can be mailed to PO Box 6495, Sioux Falls, SD 57117-6495, faxed to 1-866-706-5137 or emailed to [email protected]. Please place the following reference number on the top of each document (XXXXX).
I went ahead and sent the e-mail immediately, and actually called the reconsideration line, but they told me it would take 24-48 hours to process before the application could be considered again.
Context about me: ~750 credit score, under 25, $75k income, with 20+ outstanding cards, all within the past 2 years. 2 AA Citi cards and 2 HHonors Citi cards currently active. No other cards with Citi. Haven't applied for a Citi card since December/January. Last hard pull was <30 days ago for the Lufthansa Barclays card.
Hope that helps.
#454
Join Date: May 2013
Posts: 315
Datapoint:
06/19/2013 Approved: AA platinum MC 40k (SM citi to match 50k).
06/30/2013 Approved: AA Gold VISA 25k (sign-up bonus to be confirmed after receiving the card).
06/19/2013 Approved: AA platinum MC 40k (SM citi to match 50k).
06/30/2013 Approved: AA Gold VISA 25k (sign-up bonus to be confirmed after receiving the card).
#455
Join Date: Feb 2012
Location: Northeast USA
Posts: 300
I applied for Plat Visa 50k two days ago and still keep getting 'check back in 24 hours' messages when I check the application online.
When I call the recon lines, all they keep telling me is that my application was sent to another department for processing, they have all the info they need, and I'll hear back within a week.
Hmmm...
When I call the recon lines, all they keep telling me is that my application was sent to another department for processing, they have all the info they need, and I'll hear back within a week.
Hmmm...
04/2011 - Plat MC 30k
09/2012 - Bus Visa 50k
03/2013 - Plat Amex 50k
06/2013 - Plat Visa 50k
Feeling pretty good! Now the question is whether a gold or an additional plat is in the near future...
#456
Join Date: Jul 2012
Location: Beverly Hills
Posts: 713
1 personal +1 biz in same day?
I know this has been answered in the past, but I'm only asking again because I don't know what the latest information is.
Can one apply for a Business card and a Personal card in the same day (ceteris paribus) and be approved (or rather not be denied due to two apps in same day?)
Thinking of adding in 50k Visa Plat + 40k Business in my August AoR
Can one apply for a Business card and a Personal card in the same day (ceteris paribus) and be approved (or rather not be denied due to two apps in same day?)
Thinking of adding in 50k Visa Plat + 40k Business in my August AoR
#457
Join Date: Jan 2000
Location: fort worth, texas
Posts: 946
I know this has been answered in the past, but I'm only asking again because I don't know what the latest information is.
Can one apply for a Business card and a Personal card in the same day (ceteris paribus) and be approved (or rather not be denied due to two apps in same day?)
Thinking of adding in 50k Visa Plat + 40k Business in my August AoR
Can one apply for a Business card and a Personal card in the same day (ceteris paribus) and be approved (or rather not be denied due to two apps in same day?)
Thinking of adding in 50k Visa Plat + 40k Business in my August AoR
#458
Join Date: Apr 2011
Posts: 2,055
I know this has been answered in the past, but I'm only asking again because I don't know what the latest information is.
Can one apply for a Business card and a Personal card in the same day (ceteris paribus) and be approved (or rather not be denied due to two apps in same day?)
Thinking of adding in 50k Visa Plat + 40k Business in my August AoR
Can one apply for a Business card and a Personal card in the same day (ceteris paribus) and be approved (or rather not be denied due to two apps in same day?)
Thinking of adding in 50k Visa Plat + 40k Business in my August AoR
The current, though fluid, rules appear to be that you can only apply for two cards in a 60-day window (65 to be safe) and one card (of any type, AA Biz or Personal, HHonors, TY, etc.) a day/week. Still a little unclear about the day or week but week is safe and as noted above there is little incentive to apply a day apart as the inquiries don't merge anyway.
#459
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
I don't know why you are so aggressive and sounds like your theory has been well tested and is the truth. If you look a little bit more carefully, all the formal T&C statements about "new account" are in the same way, including those you suggested has "restricted churnability":
"This offer is only valid for new accounts. You must be at least 18 years of age. "
That's the only thing that is stated, and by "formal" T&C's I mean those you can find in the application page, or those you find when you click "Terms and conditions" on the landing page if there is a link on it.
Well, on landing pages, they do say more, such as
"This Citi® / AAdvantage® card offer is valid only for new Citi® Platinum Select® / AAdvantage® Visa Signature® card accounts pursuant to this offer and excludes any other Citi® / AAdvantage® credit cards offered".
You were saying that the Platinum 30K or Gold 25K had less restrictive terms. That's NOT true. You felt like that because you were comparing the terms on the formal T&C of Gold 25K with the terms on the landing page of Platinum 40K.
If you look at the landing page of the Gold 25K,
https://www.citi.com/credit-cards/cr...re-credit-card
next to "Apply" there is a link called “Additional information". In there you will find the same wording,
"This Citi® / AAdvantage® card offer is only valid for new applicants for a Citi® / AAdvantage® account made pursuant to this offer and excludes prior Citi® / AAdvantage® credit cardmembers and any other Citi® / AAdvantage® credit cards offered."
Again, I doubt anyone here really knows how citi system works. You can propose a theory and see it tested out. But don't use so many exclamation marks unless you are absolutely sure about it. You may be a more experienced churner or flyer, but this is a place for information. There is nothing wrong for newbies asking questions.
"The question has been answered before!"? The answer was WRONG. Please be nice to others.
"This offer is only valid for new accounts. You must be at least 18 years of age. "
That's the only thing that is stated, and by "formal" T&C's I mean those you can find in the application page, or those you find when you click "Terms and conditions" on the landing page if there is a link on it.
Well, on landing pages, they do say more, such as
"This Citi® / AAdvantage® card offer is valid only for new Citi® Platinum Select® / AAdvantage® Visa Signature® card accounts pursuant to this offer and excludes any other Citi® / AAdvantage® credit cards offered".
You were saying that the Platinum 30K or Gold 25K had less restrictive terms. That's NOT true. You felt like that because you were comparing the terms on the formal T&C of Gold 25K with the terms on the landing page of Platinum 40K.
If you look at the landing page of the Gold 25K,
https://www.citi.com/credit-cards/cr...re-credit-card
next to "Apply" there is a link called “Additional information". In there you will find the same wording,
"This Citi® / AAdvantage® card offer is only valid for new applicants for a Citi® / AAdvantage® account made pursuant to this offer and excludes prior Citi® / AAdvantage® credit cardmembers and any other Citi® / AAdvantage® credit cards offered."
Again, I doubt anyone here really knows how citi system works. You can propose a theory and see it tested out. But don't use so many exclamation marks unless you are absolutely sure about it. You may be a more experienced churner or flyer, but this is a place for information. There is nothing wrong for newbies asking questions.
"The question has been answered before!"? The answer was WRONG. Please be nice to others.
I have not made any claims about "high churnability" about the Gold 25k offer. I was only (in a previous post) pointing out landing page language differences between the current 40k Visa Plat (which data points seem to show as "highly churnable") with the current 40k MC Plat (which a data point or two already imply isn't). I found a correlation there, but I don't consider that "proof".
(When I said "T&Cs" in my previous message, I meant the T&Cs from the landing page. I didn't even try to evaluate the 50k offer this way, since we don't have a landing page for it.)
#460
Join Date: Jan 2010
Programs: AA EXP/LT PLT
Posts: 1,467
I was only (in a previous post) pointing out landing page language differences between the current 40k Visa Plat (which data points seem to show as "highly churnable") with the current 40k MC Plat (which a data point or two already imply isn't). I found a correlation there, but I don't consider that "proof".
All of the successful(approved less than 12 months, some me included got approved less than 3 months from the previous Plat approval) reports posted here are either "Plat MC 40K offer" or "Plat VISA 50K offer".
Who posted the Plat MC 40K/Plat VISA 50K offer failed in this thread?
Below is a list of getting approved for Plat MC 40K or Plat VISA 50k within 12 months from the last approval for Plat.
- #244: Plat VISA 50K 3/2013, Plat MC 40K 6/2013
- #245: Plat Visa/Amex 50K 12/2012, Plat MC 40K 6/2013
- #252: Plat Visa/Amex 50k fall/2012, Plat MC 40K 6/2013
- #297: Plat VISA/Amex 50K 9/2012, Plat VISA 50K 6/2013
- #307: Plat VISA 50K 3/2013,Plat VISA 50K 6/2013
- #310: Plat VISA 50K 3/2013, Plat VISA 50K 6/2013
- #315: Plat VISA/Amex 50K 10/2012, Plat MC 40K 6/2013
- #363: Plat VISA 50K 12/2012, Plat VISA 50K 6/2013
- #382: Plat VISA/Amex 50K 7/2012, Plat VISA 50K 6/2013
- #389: Plat Amex 50K 1/2013, Plat VISA 50k 6/2013
- #399: Plat VISA 50K 2/2013, Plat MC 40K 6/2013
- #410: Plat Amex/VISA 50K 8/2012, Plat MC 40K 6/2013
- #421: Plat Amex/VISA 50K 12/2012, Plat VISA 50K 6/2013
- #455: Plat Amex 50K 3/2013, Plat VISA 50K 6/2013
See the post #265, #272 and #273.
Last edited by supergrandslam; Jul 1, 2013 at 5:45 pm
#461
Join Date: Jul 2012
Location: Beverly Hills
Posts: 713
Almost definitely not.
The current, though fluid, rules appear to be that you can only apply for two cards in a 60-day window (65 to be safe) and one card (of any type, AA Biz or Personal, HHonors, TY, etc.) a day/week. Still a little unclear about the day or week but week is safe and as noted above there is little incentive to apply a day apart as the inquiries don't merge anyway.
The current, though fluid, rules appear to be that you can only apply for two cards in a 60-day window (65 to be safe) and one card (of any type, AA Biz or Personal, HHonors, TY, etc.) a day/week. Still a little unclear about the day or week but week is safe and as noted above there is little incentive to apply a day apart as the inquiries don't merge anyway.
#462
Join Date: Jan 2000
Location: fort worth, texas
Posts: 946
Please use your eyes and read FAQ#2, and any number of posts confirming this.
If you're just looking for someone to give you the green-light to do what you want that's not reality-based, then go ahead and submit the two applications on the same day.
#463
Join Date: Jul 2012
Location: Beverly Hills
Posts: 713
What's it going to take to finally answer your question to a satsifying conclusion?
Please use your eyes and read FAQ#2, and any number of posts confirming this.
If you're just looking for someone to give you the green-light to do what you want that's not reality-based, then go ahead and submit the two applications on the same day.
Please use your eyes and read FAQ#2, and any number of posts confirming this.
If you're just looking for someone to give you the green-light to do what you want that's not reality-based, then go ahead and submit the two applications on the same day.
I'm not trying to be annoying or take anyone's time unnecessarily, simply looking for anecdotal evidence/wondering if anyone has done the same. What the "rules" appear to be and what can actually happen are two very different things. I've learned this myself in my acquisition of the 3 AA cards I have so far.
That's all for now...
#464
Join Date: Apr 2011
Posts: 2,055
"This may be in flux as Citi claims one application a week."
I'm not trying to be annoying or take anyone's time unnecessarily, simply looking for anecdotal evidence/wondering if anyone has done the same. What the "rules" appear to be and what can actually happen are two very different things. I've learned this myself in my acquisition of the 3 AA cards I have so far.
That's all for now...
I'm not trying to be annoying or take anyone's time unnecessarily, simply looking for anecdotal evidence/wondering if anyone has done the same. What the "rules" appear to be and what can actually happen are two very different things. I've learned this myself in my acquisition of the 3 AA cards I have so far.
That's all for now...
#465
Join Date: Jan 2010
Programs: AA EXP/LT PLT
Posts: 1,467
Data points:
March 2012: Approved for AA Visa/AMEX Platinum
March 2013: Cancelled AA Visa/AMEX Platinum
March 2013: Approved for Business Visa 50k / Gold Mastercard 30k
6/29: Approved for Platinum Visa 50k
6/30: Automatically denied for AA Business Mastercard 40k (will check to see if an inquiry resulted)
March 2012: Approved for AA Visa/AMEX Platinum
March 2013: Cancelled AA Visa/AMEX Platinum
March 2013: Approved for Business Visa 50k / Gold Mastercard 30k
6/29: Approved for Platinum Visa 50k
6/30: Automatically denied for AA Business Mastercard 40k (will check to see if an inquiry resulted)
It'll be interesting to see if the denial was based on already having another Business card, or whether it was because the 6/30 was too close to the 6/29.
I know in the past it was difficult getting a 2nd Business card so fast, but aps on consecutive days weren't a problem, but we may be in a new Bizarro world with Citi where both have been flipped.
I know in the past it was difficult getting a 2nd Business card so fast, but aps on consecutive days weren't a problem, but we may be in a new Bizarro world with Citi where both have been flipped.
I guess it was because 6/29 and 6/30 was too close.
My data points.
Plat VISA 50K: March 22nd (still open)
Business VISA 50K: March 25th (still open)
Plat MC 40K: June 18th (just received the card a week ago)
Business MC 40K: June 26th (Just received the card today and confirmed 40k/$3k bonus)
*Dates above are "date of approval".
I tried to make sure if there are more than 90 days interval between my applications of 2 business cards even though I got 2 personal Plat CCs within 90 days interval(actually 88 days).
OT: Today I also received two 2 one-day AC passes(so total 4 passes) from Plat VISA/Business VISA I got approved last March.
Last edited by supergrandslam; Jul 1, 2013 at 4:02 pm