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

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

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Old Feb 7, 18, 6:46 am   -   Wikipost
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Last edit by: mia
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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.

* * *


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.
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Old Aug 7, 13, 4:40 pm
  #1456  
 
Join Date: Jul 2012
Location: Beverly Hills
Posts: 711
A fine game indeed

This just gets more fun by the day.

So, to refresh. I applied for
30k Visa-January 2013
50k AMEX-January 2013
30k MC-April 2013
ThankYou Preferred-April 2013

Then on my AoR last Friday
50k Visa
40k Biz
*yes, on the SAME day, SAME browser, about 15 minutes apart

For god's sake, call the (866) 606-2961 Recon line if you get a pending message! Just got done spending about 30 minutes on hold. After the first two times, agent came on saying I'd been approved for the 40k biz with a $1,000 CL, and she needed her supervisor's signature?

So long story short, got approved for both 50k personal and 40k biz on same day. Had to move credit for 50k, and 40k gave me a small limit.

Something bizarre is going on behind the scenes at Citi. Don't ever mistake that for complaining. Let's keep this party going ^
tigerhunt2011 is offline  
Old Aug 7, 13, 4:45 pm
  #1457  
 
Join Date: Oct 2012
Location: 5280/8150
Programs: Flying and sleeping
Posts: 341
Originally Posted by tigerhunt2011 View Post

So long story short, got approved for both 50k personal and 40k biz on same day. Had to move credit for 50k, and 40k gave me a small limit.

Something bizarre is going on behind the scenes at Citi. Don't ever mistake that for complaining. Let's keep this party going ^
Bizarre indeed. I did my 50k app yesterday, so I gain nothing by trying another one today. Inquiries won't merge. I'll wait the week and get another 50k next Wednesday.
djrez4 is offline  
Old Aug 7, 13, 5:14 pm
  #1458  
 
Join Date: Jul 2012
Location: Beverly Hills
Posts: 711
Now then, let me pose this to you...

What is your experience with getting these Platinum-level Visa Signature/Select American Express/Platinum Select World Mastercard cards downgraded to Citi's Bronze level? May 2013 and forward only please.

Does the bronze card stay visa signature?

Also, how about experience closing old cards to open new ones?
tigerhunt2011 is offline  
Old Aug 7, 13, 6:09 pm
  #1459  
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
Originally Posted by tigerhunt2011 View Post
Now then, let me pose this to you...

What is your experience with getting these Platinum-level Visa Signature/Select American Express/Platinum Select World Mastercard cards downgraded to Citi's Bronze level? May 2013 and forward only please.

Does the bronze card stay visa signature?

Also, how about experience closing old cards to open new ones?
1. Why? Call to cancel, take another year free, repeat.

2. Why? See #1

3. Pros and cons pretty well covered in the wiki. Consensus if you really want to close cards is to close after opening new cards, not before. Citi seems to be perfectly happy to move credit away from a (soon-to-be-closed) card to a card being opened, but not to a card that is already open.
KennyBSAT is offline  
Old Aug 7, 13, 6:40 pm
  #1460  
 
Join Date: Nov 2009
Posts: 39
Originally Posted by tigerhunt2011 View Post
For god's sake, call the (866) 606-2961 Recon line if you get a pending message!
Yes, do this! I was given a pending message that hadn't changed in over a day. Called in, was put on hold for three minutes, and was approved. Card is on the way. Very easy way of expediting the process.

This really is a fantastic deal from Citi.
levelnine is offline  
Old Aug 7, 13, 7:08 pm
  #1461  
 
Join Date: Jul 2012
Location: Beverly Hills
Posts: 711
Originally Posted by KennyBSAT View Post
1. Why? Call to cancel, take another year free, repeat.

2. Why? See #1

3. Pros and cons pretty well covered in the wiki. Consensus if you really want to close cards is to close after opening new cards, not before. Citi seems to be perfectly happy to move credit away from a (soon-to-be-closed) card to a card being opened, but not to a card that is already open.
The reason I would be compelled to keep some of them open is that I need to boost my average age of accounts. It was at roughly 1 year when I did my AoR on August 2nd. The AMEX MB Plat will help, but thats still two additional new accounts.

Maybe I'll keep the oldest 2 from January and downgrade, and close the two from April and one from this month.
tigerhunt2011 is offline  
Old Aug 7, 13, 7:20 pm
  #1462  
 
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
Originally Posted by tigerhunt2011 View Post
The reason I would be compelled to keep some of them open is that I need to boost my average age of accounts. It was at roughly 1 year when I did my AoR on August 2nd. The AMEX MB Plat will help, but thats still two additional new accounts.

Maybe I'll keep the oldest 2 from January and downgrade, and close the two from April and one from this month.
Sorry, I meant: why close them? I currently have 5 Citi AA personal cards open, and each time I open a new one I have them move credit from a now-dormant card leaving it with only 1 or 2K credit. Citi may change their policy at some point, but there isn't much of a compelling reason or benefit to closing a Citi card.
KennyBSAT is offline  
Old Aug 7, 13, 7:26 pm
  #1463  
 
Join Date: Jul 2012
Location: Beverly Hills
Posts: 711
Originally Posted by KennyBSAT View Post
Sorry, I meant: why close them? I currently have 5 Citi AA personal cards open, and each time I open a new one I have them move credit from a now-dormant card leaving it with only 1 or 2K credit. Citi may change their policy at some point, but there has never really been a compelling reason or benefit to closing a Citi card.
Ahh gotcha. Conversely, I would be compelled to close some because I'm absolutely at my internal limit with Citi. After getting approved for the 40k biz with a $1k CL, I'm guessing my remaining exposure limit with Citi HAS to be close to $0. I can only open a $5000 Visa Signature by moving credit so many times before I've reached the minimum credit limit on the existing open cards. In that case I'd rather close them in advance rather than risking denial because they won't close an open card to transfer the exposure...
tigerhunt2011 is offline  
Old Aug 7, 13, 8:51 pm
  #1464  
 
Join Date: Nov 2010
Location: Florida:)
Programs: AA, HH, SPG, UA
Posts: 263
Citi AA credit cards. Best offers now 50k. [Read wikipost first]

10 more days before I can apply!!! Hope the party is still on)) I'm trying to be patient....but its hard...lol
express3 is offline  
Old Aug 7, 13, 9:56 pm
  #1465  
 
Join Date: Jun 2011
Posts: 665
How would you guys time this? I want to get the AA 50k twice, as well as do a Amex app for the SPG Business 30k. Would you do the first AA alone and then 2nd AA + SPG? Or do the first AA + Amex and then wait a week and do the 2nd AA?
compddd is offline  
Old Aug 7, 13, 10:10 pm
  #1466  
 
Join Date: Aug 2010
Posts: 148
Originally Posted by compddd View Post
How would you guys time this? I want to get the AA 50k twice, as well as do a Amex app for the SPG Business 30k. Would you do the first AA alone and then 2nd AA + SPG? Or do the first AA + Amex and then wait a week and do the 2nd AA?
I would do first AA alone, then follow 9 days later with 2nd AA + SPG. I'd rather Citi and AXP see one recent inquiry than Citi see 2 inquiries in past 9 days. Don't know whether there is truth to that, more of a hunch.
mberlew is offline  
Old Aug 7, 13, 10:43 pm
  #1467  
 
Join Date: Jun 2011
Posts: 665
Originally Posted by mberlew View Post
I would do first AA alone, then follow 9 days later with 2nd AA + SPG. I'd rather Citi and AXP see one recent inquiry than Citi see 2 inquiries in past 9 days. Don't know whether there is truth to that, more of a hunch.
This is what I was thinking too, thanks for confirming.
compddd is offline  
Old Aug 8, 13, 12:20 am
  #1468  
 
Join Date: Jun 2011
Posts: 665
Instant approval for AA 50k just now
compddd is offline  
Old Aug 8, 13, 12:27 am
  #1469  
 
Join Date: Jun 2011
Posts: 665
Originally Posted by express3 View Post
10 more days before I can apply!!! Hope the party is still on)) I'm trying to be patient....but its hard...lol
Why do you need to wait 10 days? I thought you had to wait 8 days to be safe
compddd is offline  
Old Aug 8, 13, 12:57 am
  #1470  
 
Join Date: May 2013
Posts: 16
Another Data Point

June-26-2013: Instantly approved using the 50K link in the wiki
July-28-2013: Approved after a short chat (Had to move around Credit) - used the same 50K link in the wiki

For the second application, confirmed with CITI through a secured message about the sign up offer, I was told that i was enrolled in a special sign up offer of 50K bonus miles after 1k spend.
vsaddepalli is offline  

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