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

Old Jun 13, 2013, 2:57 pm
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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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Citi AA credit cards, except Executive. (2013-2014)

Old Nov 29, 2013, 3:18 pm
  #3541  
 
Join Date: Aug 2013
Location: Orange County, CA
Programs: AA, BA, SPG Gold
Posts: 665
Originally Posted by Happy
No matter what, the caller would have to talk to the applicant (your husband) FIRST, to verify his ID and gets his permission to talk you. Until that is done, the caller would NOT talk to you. It really is no need to put yourself in the letter to the EO as whoever calls would most likely still need to talk to your husband FIRST. If anything, it looks ODD to authorize an employee in the letter for reconsideration as being the representative of the applicant asking for credit (and raise suspicion that this is done behind the applicant's own knowledge.) You are making the whole thing much more complicated than it would have been because of your too much eagerness on this. Calm down and not to do things in a haphazard way.

Just coach your husband on what to expect and what to reply - he can say you are the one who handles the accounting and finance matters of the business and he gives you full authority to speak on behalf of the business and him, the owner of said business.

My husband' had some damages on his ear drums from skin dives in his youth days, hence his hearing is not good over the phone. Whenever we need to talk to the banks, we are on speaker phone and I tell the caller why I am on the phone first, then hand the phone to my husband for the other side to verify his ID and get permission to talk to me on his behalf. Always works, with every single bank, on every call for every situation whether we initiate the call or the bank calls him.
OK, I'll try that, but I just put a little sentence at the end "please feel free to contact me or my wife, my name, at (xxx) xxx-xxxx or [email protected], if you have any questions." Not too pushy.

Oh well... if this doesn't work, looks like we're at the end of the road!!!
slhansen219 is offline  
Old Nov 29, 2013, 3:51 pm
  #3542  
 
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Can anyone provide any incite as to why 2 banks have suddenly blocked my accounts and want written identity verifying documents from me? is this just random?
First it was wells fargo asking me to come to a branch and identify myself (which i have done) , and now citi flagged me when I tried to activate a card I received for an authorized user.... My guess is just random but still a little spooky given the close proximity???
rgAAFT is offline  
Old Nov 29, 2013, 5:25 pm
  #3543  
 
Join Date: Apr 2004
Programs: AA plt 2 mm, Marriott LTT, HH dia
Posts: 1,215
Originally Posted by rgAAFT
Can anyone provide any incite as to why 2 banks have suddenly blocked my accounts and want written identity verifying documents from me? is this just random?
First it was wells fargo asking me to come to a branch and identify myself (which i have done) , and now citi flagged me when I tried to activate a card I received for an authorized user.... My guess is just random but still a little spooky given the close proximity???

If it were me, I would worry about identity theft. I would pull my credit reports from all 3 bureaus ASAP. You can get them for free once per year if you haven't already. Hopefully, it is nothing. But better to be safe than sorry.
jeanie is offline  
Old Nov 29, 2013, 5:49 pm
  #3544  
 
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Originally Posted by jeanie
If it were me, I would worry about identity theft. I would pull my credit reports from all 3 bureaus ASAP. You can get them for free once per year if you haven't already. Hopefully, it is nothing. But better to be safe than sorry.
Thanks for the advice However I pull my own credit so many times due to me being a rewards geek that I actually get my moneys worth out of Citi Identity monitor which I get at a discount the only thing is that my voice isn't very deep and phone CSRs often mistake me for a female when I am actually male other than that no idea.
rgAAFT is offline  
Old Nov 30, 2013, 9:26 am
  #3545  
FlyerTalk Evangelist
 
Join Date: Jan 2005
Location: home = LAX
Posts: 25,927
Originally Posted by rgAAFT
Can anyone provide any incite as to why 2 banks have suddenly blocked my accounts and want written identity verifying documents from me? is this just random?
If this:
Location: DFW,OVB (Russia)
indicates you travel to Russia regularly, it may be random within the group of people who do that, but not so random relative to people who never travel to anyplace like that.

The banks may have all gotten some notification of card fraud originating in Russia, which made them focus on people who'd used their accounts from there.
sdsearch is offline  
Old Nov 30, 2013, 12:35 pm
  #3546  
 
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
ALL CLEAR
went to a branch today with ID and DONE

The whole reason this happened was that i was randomly selected for additional verification when I called in to activate AU card yesterday. On the last step of the process I was told to hang up and they would call me back. This is where things went wrong, I hung up and they did not call me for over 20 min, next thing I know there is a extreme block on my account .. Fast forward to today, THE ENTIRE REASON WHY THEY BLOCKED MY ACCOUNT was BECAUSE I "HUNG UP TOO EARLY"

Incidentally I was calling to let them know that they just sent me a duplicate of my primary card and that was WHRONG

ANYWAYS,
Sorry for the rant but I have been with CITI since 2011 (was my first card ever) , and this happens
THEY Should know better
rgAAFT is offline  
Old Dec 1, 2013, 9:38 am
  #3547  
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Join Date: Jan 2005
Location: home = LAX
Posts: 25,927
Originally Posted by rgAAFT
Can anyone provide any incite as to why 2 banks have suddenly blocked my accounts and want written identity verifying documents from me?
Originally Posted by rgAAFT
ALL CLEAR
went to a branch today with ID and DONE

[...]

THE ENTIRE REASON WHY THEY BLOCKED MY ACCOUNT was BECAUSE I "HUNG UP TOO EARLY"
That explains one bank. But you said two banks. So did the exact same thing happen at another bank too???
sdsearch is offline  
Old Dec 1, 2013, 9:55 pm
  #3548  
 
Join Date: May 2013
Programs: Hyatt Platinum, IHG Platinum, Aadvantage Platinum
Posts: 180
So what's next with Citi? I have their Aadvantage Signature Visa, that one had a nice $100 credit, and just finished up a spend for the Aadvantage Mastercard for 50000 miles (thanks Flyertalk!). How else can I run up my miles at AA (burp! feeling nice and full!).

I'm not sure I want to mess around with their business cards. They were very nice about the Visa card. Wasn't using it and they offered 3k for a $500 spend, easy enough to keep it along with no AF. I am happy but sense that these miles may be devalued so the more the merrier.
wholelottamiles is offline  
Old Dec 1, 2013, 10:13 pm
  #3549  
 
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Originally Posted by sdsearch
That explains one bank. But you said two banks. So did the exact same thing happen at another bank too???
Yes
from what I understand,
The citi episode was just random where as from what I was able to gather Wells Fargo actually tracks the number of calls made within a certain period of time and sends you to fraud department if a set number is exceeded. Their security standards as a bank/card issuer are like fort Knox level, which can either be a great thing or seriously annoying depending on circumstances.
If you are interested you can read my rant on what happened when I went to CVS with my WF card on the WF 5X thread... I have since fixed the issue and used my WF card today at CVS without issue ^

Last edited by rgAAFT; Dec 2, 2013 at 5:53 am
rgAAFT is offline  
Old Dec 3, 2013, 3:19 pm
  #3550  
 
Join Date: Sep 2005
Programs: Northwest, United
Posts: 3,256
To Cancel or Not To Cancel - that is the question

So I'm looking ahead to my next Citi application, and pondering the fate of a card or two I opened one year ago. My history with Citi...

Prior to around 1 year ago, I never had a single Citi credit card. Lots of Chase and some others, but I never played in Citi programs. A year ago, I decided to jump in. Since then I have received the following...
  • Nov 2012: Citi Visa Platinum and Citi Amex - used the old two-browser trick, instant approval on the same day. $22.5 CL each, 50K AA miles each.
  • Jan. 2013 (about 65 days after first apps): Citi Business Visa. Approved after call to Biz recon line. $20K CL, 50K AA miles.
  • July 2013: Citi Visa Platinum #2. Instant approval, $22K CL, 50K AA miles
  • Aug 2013: Citi Visa Platinum #3. Instant approval, $9K CL, 50K AA miles

An easy 250K AA miles in 10 months - I'm thinking I like playing in this one.

So now the first wave of cards is up for annual fees, I'm thinking it's time to start cutting back a bit. Because there's one more card I think I'm going to apply for, a Biz MC (I have one Biz Visa, but never had a Citi Biz MC, so I'm thinking I can still wring another 50K miles out of that one).

I'm thinking that I should cancel the first 2 cards I got a year ago, before the annual fee is due. My plan would be to wait 30 days after the cancelation, then apply for the Biz MC in January. But I have a couple questions...

Canceling the first 2 cards would drop my credit exposure to Citi by a whopping $45K (combined CL with them now is about $98K, which seems excessive). I would prefer to get instant approval for my next app, but will talk to them if necessary.

My question...

Will canceling these 2 cards now (dropping my exposure by $45K) make any difference if I apply for a business card (as a sole proprietorship using my SSN) in another 30 days? I'm not sure how the approval process goes for business cards, nor the time it takes to reflect the lower combined credit limits.

I know I can call them and get a retention offer to keep these two cards, and it's highly likely that the offer will cover the annual fee and also include a few miles, too, for some modest spend. So I could keep the cards. Having read the wiki and many pages of posts in this thread, I'm unsure of whether to kill these cards now (in hopes of easing my next app for the biz MC), or if that's going to make any difference at all.

Ideas?

Thanks!
nwflyboy is offline  
Old Dec 3, 2013, 6:22 pm
  #3551  
 
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Originally Posted by nwflyboy
So I'm looking ahead to my next Citi application, and pondering the fate of a card or two I opened one year ago. My history with Citi...

Prior to around 1 year ago, I never had a single Citi credit card. Lots of Chase and some others, but I never played in Citi programs. A year ago, I decided to jump in. Since then I have received the following...
  • Nov 2012: Citi Visa Platinum and Citi Amex - used the old two-browser trick, instant approval on the same day. $22.5 CL each, 50K AA miles each.
  • Jan. 2013 (about 65 days after first apps): Citi Business Visa. Approved after call to Biz recon line. $20K CL, 50K AA miles.
  • July 2013: Citi Visa Platinum #2. Instant approval, $22K CL, 50K AA miles
  • Aug 2013: Citi Visa Platinum #3. Instant approval, $9K CL, 50K AA miles

An easy 250K AA miles in 10 months - I'm thinking I like playing in this one.

So now the first wave of cards is up for annual fees, I'm thinking it's time to start cutting back a bit. Because there's one more card I think I'm going to apply for, a Biz MC (I have one Biz Visa, but never had a Citi Biz MC, so I'm thinking I can still wring another 50K miles out of that one).

I'm thinking that I should cancel the first 2 cards I got a year ago, before the annual fee is due. My plan would be to wait 30 days after the cancelation, then apply for the Biz MC in January. But I have a couple questions...

Canceling the first 2 cards would drop my credit exposure to Citi by a whopping $45K (combined CL with them now is about $98K, which seems excessive). I would prefer to get instant approval for my next app, but will talk to them if necessary.

My question...

Will canceling these 2 cards now (dropping my exposure by $45K) make any difference if I apply for a business card (as a sole proprietorship using my SSN) in another 30 days? I'm not sure how the approval process goes for business cards, nor the time it takes to reflect the lower combined credit limits.

I know I can call them and get a retention offer to keep these two cards, and it's highly likely that the offer will cover the annual fee and also include a few miles, too, for some modest spend. So I could keep the cards. Having read the wiki and many pages of posts in this thread, I'm unsure of whether to kill these cards now (in hopes of easing my next app for the biz MC), or if that's going to make any difference at all.

Ideas?

Thanks!
I say no difference
DO NOT CANCEL
either ask for the annual fee to be waived or if you dont want so many "old" AA cards open then ask them to convert your card to a No fee thank you or HH card. As others have stated the CL of any closed accounts goes into limbo and is unusable for new apps for at least 3-6 month

Honestly , if I were you I would get Barclays US Airways card while they are still around . I hear that on or around January 7th you can start to transfer US air miles to AA as a result of their merger. Then in another year you could cycle back to citi .
rgAAFT is offline  
Old Dec 3, 2013, 8:45 pm
  #3552  
 
Join Date: Aug 2013
Location: Orange County, CA
Programs: AA, BA, SPG Gold
Posts: 665
Originally Posted by rgAAFT
Honestly , if I were you I would get Barclays US Airways card while they are still around . I hear that on or around January 7th you can start to transfer US air miles to AA as a result of their merger. Then in another year you could cycle back to citi .
Any idea what the conversion rate of US air miles to AA miles will be?
slhansen219 is offline  
Old Dec 3, 2013, 11:36 pm
  #3553  
FlyerTalk Evangelist
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Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Gold
Posts: 11,408
Originally Posted by slhansen219
Any idea what the conversion rate of US air miles to AA miles will be?
OK, (sarcasm turned on) you really had to ask THAT questions...... Since US miles are so devalued (this according to many on FT) the conversion rate will be 10-1....
FlightNurse is offline  
Old Dec 4, 2013, 6:37 am
  #3554  
 
Join Date: Oct 2010
Posts: 38
Hey guys I could use some help from the experts!

I applied for the Citi Business MC today (no actual business). Score in the 720s, 4 inqs last 6mo, already hold 2 Citi Personal cards. I called the recon line and they denied me because of "too many inquiries". I offered to move some credit around and they said that they don't move from personal cards to make up for the business cards.

It sure looks like getting a business card is not as easy as everyone says it is :S
fckzzz is offline  
Old Dec 4, 2013, 7:31 am
  #3555  
 
Join Date: Mar 2010
Location: mountains of western NC
Programs: Life, Love and Laughter
Posts: 8,523
Originally Posted by FlightNurse
OK, (sarcasm turned on) you really had to ask THAT questions...... Since US miles are so devalued (this according to many on FT) the conversion rate will be 10-1....
You're not even close. I heard from a very reliable source that the conversion rate will the square root of your AA miles total divided by the total of your US miles on the merger date minus the number of AA miles you have redeemed since Jan. 1, 2010, plus the number of BIS US miles you've flown since August 18, 1999 times the square root of your AA frequent flyer number.
I've also heard there will be a bonus for transfers made on Tuesdays, but I don't yet know the bonus formula (I think it depends on your birthday).
onthego15 is offline  

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