Citi AA credit cards, except Executive. (2013-2014)

    Hide Wikipost
Old Feb 7, 18, 6:46 am   -   Wikipost
Please read: This is a community-maintained wiki post containing the most important information from this thread. You may edit the Wiki once you have been on FT for 90 days and have made 90 posts.
 
Last edit by: mia
Wiki Link
This wiki is no longer being maintained/updated.

See the new thread & wiki at http://www.flyertalk.com/forum/citi-...24-months.html.

* * *


SEE NEW THREAD - 50K AA Cards


As of Sunday August 25, 2013:
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.

Landing page for 50K Business and Personal MC requires $3K spend in 3 months. $95 annual fee, waived first year. This page leads to the following application pages:
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 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. Landing page available here.

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
  1. Are these AA cards churnable?
  2. What are the most current time-restriction rules in applying for all Citi cards?
  3. Do I need to close existing cards before applying?
  4. When should I close existing Citi accounts?
  5. Can I apply for a business card if I dont have a business?
  6. Can I buy Visa gift cards to meet my minimum spend?
  7. Do I get 10% back when redeeming miles for awards?
  8. Do I have to use my own AAdvantage number on applications?
  9. There is nothing on the application page stating the bonus miles. How do I know what I will be getting?
  10. When will my bonus miles post?
  11. I met the minimum spend. Why does my statement say "Miles Reported to AA: 0"?
  12. Can I cancel a card using secure messaging?
  13. I activated the card online and got a message about this card replacing an old card. What does that mean?
  14. 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 dont 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, its 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
It does not apply to the Citi Gold World MasterCard, Citi Executive products, or some of the Citi Business cards.

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."
This is normal and is supposed to be displayed when activating a replacement card but it seems to display even when activating a brand new card. This is nothing to worry about.


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.
Print Wikipost

Old Jul 2, 13, 12:53 pm
  #481  
FlyerTalk Evangelist
 
Join Date: Jan 2005
Location: home = LAX
Posts: 23,985
Originally Posted by supergrandslam View Post
As I posted before here, the landing page of the Plat VISA 5OK was posted here and we can see its T&C.
See the post #265, #272 and #273.
Well, the Wiki right above currently says:
MOST Current 50k link: :Link for Citi AA platinum Personal Visa, 50k after $3000 spend in 3 months, alive for now. No landing page.
So should that be corrected?
sdsearch is offline  
Old Jul 2, 13, 1:30 pm
  #482  
 
Join Date: Jun 2012
Posts: 78
Business and personal

I've read the wiki and about 20 pages of the thread but I don't see anyone that has tried to get 1 personal and 1 business on the same day for the first time?

Can that be done??
michael21 is offline  
Old Jul 2, 13, 1:35 pm
  #483  
 
Join Date: May 2006
Location: Salt Lake City, UT
Posts: 2,798
Originally Posted by michael21 View Post
I've read the wiki and about 20 pages of the thread but I don't see anyone that has tried to get 1 personal and 1 business on the same day for the first time?

Can that be done??
First time or not, personal + business on the same day is a bad idea.
michael_v is online now  
Old Jul 2, 13, 1:39 pm
  #484  
 
Join Date: Feb 2003
Posts: 6,763
Originally Posted by michael21 View Post
I've read the wiki and about 20 pages of the thread but I don't see anyone that has tried to get 1 personal and 1 business on the same day for the first time?

Can that be done??
More or less identical question posed (and responses given) a mere two days ago in post #546 et seq. And the wiki recommends against this explicitly.
beltway is offline  
Old Jul 2, 13, 3:00 pm
  #485  
 
Join Date: Jan 2000
Location: fort worth, texas
Posts: 941
some more good to report

OK, I get a bit cranky at folks that can't seem to read the wiki or can't read the last page before posting repetitive questions, so to try to get my karma a bit on the good side, here's some info on my recent ap:

-- Applied for the 50k card, having just got the last 50k Visa about 4 1/2 months ago (which I still have active; I also have another non-AA Citi card). Again, further evidence Visa/MC doesn't matter nor whether it's Plat/Gold nor whether you got a 40k/50k for these new links. As many have pointed out, the language of the terms for each specific card product + however Citi has the application coded, is what determines if that card is churnable.

-- I HAD 8 INQUIRIES IN THE LAST 6 MONTHS from the bureau Citi pulls in my area. I'm shouting this, becuase I think it's relevant. It is further evidence that Citi is not that inquiry sensitive, and therefore probably a good idea to try a card now than wait 2-3 months for a timed AOR in case they get tighter with their approving or the links disappear. Many thanks to the poster who indicated close to 10 aps and got the card, as that gave me confidence to try.

-- One thing I "gambled" on, was I filled in the ap with every character in my name and address the EXACT same as my current AA card as it shows up in my personal settings with Citi. I did this because a couple of times in the last few years, a family member gets a screwy "couldn't verify information" ding, and I wonder if even having the street abbrieviated or not on the ap sometimes makes a difference if they try to "match" to what they already have on us in the system. Probably overly paranoid, but take it for what it's worth-- at least we know you don't have to try to trick their system by having slightly different personal info to get one of the newer cards.

-- I got to Step 3 with the ap # and instructions to call. Took about 5 minutes. The guy was informal, almost like talking to an intern and he didn't want any information. Came back and said approved (with a large line). I did ask him if he knew if Citi had a policy on how soon I could apply for another card, and he had no idea.

I'm wondering if optimal strategy is to apply for a new card every 45 or so days.

Last edited by teammjs; Jul 2, 13 at 3:07 pm
teammjs is offline  
Old Jul 2, 13, 3:57 pm
  #486  
 
Join Date: Jun 2012
Location: In CT,left my heart in Leicester.
Programs: Work in progress.
Posts: 1,237
Brilliant data point teammjs.
Thanks!
jatink129 is offline  
Old Jul 2, 13, 4:02 pm
  #487  
 
Join Date: Apr 2004
Programs: AA plt 2 mm, Marriott LTT, HH dia
Posts: 1,194
Originally Posted by teammjs View Post
I'm wondering if optimal strategy is to apply for a new card every 45 or so days.

If you do apply again in 45 days, please report back! The terms that I saw said the offer for the 50k Visa was good until August 31, so that is within the 45 day window.
jeanie is offline  
Old Jul 2, 13, 6:48 pm
  #488  
 
Join Date: Nov 2007
Programs: Marriott Bonvoy Gold, Hilton Honors Gold
Posts: 1,263
I haven't applied for a Citi AA card in about 2+ years for various reasons. Decided to rejoin the party and applied just now for the Visa Plat with 50k bonus. Needed to get approved via chat and I was given the option to open the card with $xxxxx credit line or to move credit from an existing card and have a higher limit on this one. I chose to have some credit moved from a Thank You card that I never use anyway. I was surprised when the rep then told me that my application needed to be submitted for final approval and it would take 2-3 mins. I thought when she gave me the credit line options that meant I was approved? I was ultimately approved with the exact credit line previously discussed but I've had to chat with them a couple of times after submitting an app and this last step was never done.

Also would like to ask that since I received a Citi Dividend card about a month ago, that makes 2 apps within a 65 day period, so I want to know if I want to apply for the AA biz card do I need to wait 65 days from today or 90 days? Sorry, if this has been asked already, but I'm not clear about this from the Wiki above.
friedablass is offline  
Old Jul 2, 13, 7:03 pm
  #489  
 
Join Date: Feb 2012
Location: Northeast USA
Posts: 298
FYI, mrs. dublin just got an offer via snail mail for an AAdvantage Gold Visa Signature with waived first year fee ($50 thereafter), 30,000 miles after $1,000 spend within 3 months, additional 10,000 miles after additional $4,000 spend within 12 months (so in aggregate, 40,000 miles for $5,000 spend).

Seems better than the going rate for Gold, although also unclear whether the Gold/Plat distinction really matters anymore.
dublin487 is offline  
Old Jul 2, 13, 7:11 pm
  #490  
 
Join Date: Apr 2011
Posts: 1,988
Originally Posted by friedablass View Post
Also would like to ask that since I received a Citi Dividend card about a month ago, that makes 2 apps within a 65 day period, so I want to know if I want to apply for the AA biz card do I need to wait 65 days from today or 90 days? Sorry, if this has been asked already, but I'm not clear about this from the Wiki above.
65 days from your approval last month.
IkeEsq is offline  
Old Jul 2, 13, 7:13 pm
  #491  
 
Join Date: Apr 2011
Posts: 1,988
Chat from Application status page

Something interesting. I went to check the status of my wife's application online yesterday and it said to call in. I went back to the screen just now to get the number and I got the same status screen but then a chat window popped up and I was able to get the approval via chat. Very convenient!
IkeEsq is offline  
Old Jul 2, 13, 8:05 pm
  #492  
 
Join Date: Jul 2006
Posts: 930
I called in yesterday and they said 7-10 biz days. Considering everyone else is getting approved by calling in I am afraid that i may get declined.
nas6034 is offline  
Old Jul 2, 13, 9:43 pm
  #493  
 
Join Date: Sep 2012
Posts: 42
I applied for and was approved for the Citi AA Amex in March 2013 (my first Citi AA card), 50K bonus.

Today, applied for and was approved for the Citi AA Visa 50K. Rep confirmed bonus via chat.
habsben is offline  
Old Jul 2, 13, 10:04 pm
  #494  
 
Join Date: Jul 2012
Location: LAX
Posts: 374
Originally Posted by teammjs View Post
-- One thing I "gambled" on, was I filled in the ap with every character in my name and address the EXACT same as my current AA card as it shows up in my personal settings with Citi. I did this because a couple of times in the last few years, a family member gets a screwy "couldn't verify information" ding, and I wonder if even having the street abbrieviated or not on the ap sometimes makes a difference if they try to "match" to what they already have on us in the system. Probably overly paranoid, but take it for what it's worth-- at least we know you don't have to try to trick their system by having slightly different personal info to get one of the newer cards.
Sorry I'm missing something. Wouldn't this work for your benefit?
pkoo is offline  
Old Jul 3, 13, 12:46 am
  #495  
 
Join Date: Dec 2012
Posts: 4
citi card

So finely after fighting for 2 months i got my citi business card with a 1k cl -what a joke- but i do have a higher cl on my personal card, is there any way i could shift over some of my credit to my business card?
joku is offline  

Thread Tools
Search this Thread