Jan 24, 14, 5:20 pm
Last edit by: mia
The thread was split on September 24, 2014 for technical reasons. This version of the Wikipost is frozen as of that date. Please click HERE to read the newer posts and the most current Wikipost.
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For questions NOT related to the application process - such as experiences using benefits - refer to the AA forum thread on this card: AA Citibank Executive / AAdvantage World Elite MasterCard (Master Thread)
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 some Citi cards. [B]We do not know, and Citi has not indicated, how long these offers will last. Citi has left other offers alive for over a year beyond the 'apply by' date in the past. These links could be here all year or gone tomorrow. If the application loads, it is good, based on past Citi applications that survived past the landing page expiration, regardless of any posted or advertised 'apply by' date.
MOST CURRENT LINKS:
As of 8/19/14, the 60K+ links are no longer working, and give the following error:
[This link stopped working for a few days in July but seems to be working again] Many thanks to LM225 - Citi AA Executive Personal Mastercard, 100,000 miles after $10,000 spend in 3 months, Admirals Club access for cardholder and family or cardholder and two guests, up to $200 in statement credits. $450 annual fee, not waived. Landing page no longer loads as of 6/24.
The landing page asks for a first and last name but the application loads with or without the landing page. This is a CHIP and Signature card. If you go through the landing page, please use any referral code given to you by an AC rep.
For alternate 100K links, see Post #6084. https://www.citicards.com/cards/acq/...&screenID=3001
Many thanks to lobo411 - Citi AA Executive Personal Mastercard, 75,000 miles after $7500 spend in 3 months, Admirals Club access for cardholder and family or cardholder and two guests, up to $100 in statement credits. $450 annual fee, not waived. No landing page. This is a CHIP and Signature card. Bonus confirmed in posts 136 and 142. Still working: There is also a public version of this offer Citi AA Mastercard, 75,000 miles, Landing page available here. HT Belllaaa.
Many thanks to cerealmarketer - Citi AA Executive Personal Mastercard, 60,000 miles after $5k spend in 3 months, Admirals Club access for cardholder and family or cardholder and two guests. $450 annual fee, not waived. Landing page available here. This is a CHIP and Signature card. Landing page for 60K for $5K, with $100 statement credit and application.
Current 50K public offer: (Be carefull this link is showing as 30k in citi system, use other link for 50k) Landing page for 50K for $5K spending, no statement credit and application.
New 50k offer:
Landing page for New 50K for $5K spending, no statement credit - Application Link WARNING: This landing page contains the following in the Footnotes: "American Airlines AAdvantage® bonus miles are not available if you have had a Citi Executive® / AAdvantage® World EliteTM MasterCard® opened or closed in the past 18 months." But the app link directly following it goes to a totally different app page, which is reported to be working as usual.
EXPEDITED SHIPPING
While reconsideration/application reps do not seem to be aware of this, these cards are expedited and usually arrive 1-2 days after approval.The CSR will not take a request to expedite the card.
Who is eligible for this card? Anyone as long as you can be approved for the minimum $5K credit line, subject to the standard Citi rules of 1 Citi app or card of any kind per 8 days and 2 Citi cards or apps of any kind per 65 days. It is always advisable to wait 65 days from any type of Citi denial before applying for another Citi card. Many have reported getting approved for this card in spite of having several open AA cards over the past year as well as having previously had this card.
Not sure about the 8 and 65 day rules? If your most recent application for any Citi card is less than click here - 8 days ago, you need to wait. Also, if your previous (second-to-last) Citi application is less than click here - 65 days ago, you need to wait. These are not rules published or known by Citi CSRs but rather based on thousands of Citi card applications and datapoints across several threads.
This card can be churned. Recent datapoints concerning multiple Executive cards include posts 917, 1059 and starting at 1365. For in-depth datapoints and advice on churning Citi cards, read and study the extensive wiki posts in the HH thread and the AA Plat/gold thread. Click the plus on the right hand side of the wiki if you do not see the wiki text. Datapoints for bonus points posting on multiple cards include post 2579.
Getting around the $450 annual fee: Some have been able to meet the spending requirement before the first statement posts and then cancel and have the fee refunded after the miles post. Details and datapoints include starting at post 74. T&C state that the card must be cancelled within 30 days of the fee posting to get it refunded. Potential problems with this plans include a very short (1 week or less) first "month" as well as delays in miles posting which have been reported by several FTers here http://www.flyertalk.com/forum/credi...ost-first.html. YMMV. If paying $250-$450 for a year's access to Admirals Clubs and the 60K-100K miles is a deal breaker, this card may not be for you.
Once you cancel the card (within the 37 day window of AF posting) the refund will post on the account between 1-3 business days.
Retention Bonus Offers: User have been offered the following retention bonus offers when calling to cancel the card:
- 5,000 points + $100 credit with $1,500 spend per month for 3 months 5333
- 2 additional club member passes 6862
- 1,000 bonus miles each month for 16 month, min $1k spend/month 6862
Already a member? If you already purchased an AC membership (for example, using the credit from Amex Plat) and apply and are approved for this card, AA will refund you the pro-rated AF from any time left on your membership.
When do miles post? Usually a few days after your statement closes. In some cases your statement will show the correct miles earned but will show 0 miles reported to AA. In this case see this thread.
Please post more experiences about cancelling to avoid the $450 fee
Helpful points from post #3794 and others, especially for those new to Citi:
1) Citi CSRs are clueless, so disregard everything they say that seems to contradict anything you have read on F/T. And take everything else with a big grain of salt. I was told 3 times VERY CLEARLY "You will not got your annual fee refunded" while I was cancelling, but I did get it.
2a) With Citi, if you are approved for a card, and meet the minimum spend requirement, you will get the bonus listed for the offer you applied for. Every time ! Unlike Chase or AMEX, who will send you a card, wait for you to pay the fee and spend, and then say "sorry, you don't qualify for a bonus". If Citi doesn't intend to give you the bonus, they will just deny your app. They won't even do a pull, they will just instantly deny your app. If they send you the card, and you meet the spend on time, you will get the bonus. My attorney insists I add "that could change tomorrow", but from the Big Bang thru today, that has always been true.
2b) Another helpful post discussing timeframe for meeting min spend: 6279
3) Any expectation that Citi will do things that make sense is just plain silly. They won't.
Admiral Club Access: You do not need to be flying AA that particular day of travel. (Ex: you're flying DL on the day of travel...you could still enter the AC lounge, even though you're not on an AA flight that day.) Beware, though, that individual lounges have individual rules (see the link below). Alternate rules usually come w/ Qantas lounges, not AA lounges. Furthermore, AC access "comes with" US Air access (19 locations). An authorized user does not have AC access unless they are with the primary card holder. The authorized user's card will have the "Admiral Club" language omitted from the back of their card.
For reference, an AC lounge list: http://www.aa.com/i18n/travelInforma...#admirals-club
For questions and discussions on lounge access: Help Desk: Lounge Access and Lounge Access Rules
$200 Statement Credit on any purchase:
Multiple datapoints within this thread as well as multiple confirmations from CSRs say that the $200 statement credit is for any purchase.
Also, please note that these cards do not include the 10% miles rebate offered by some other Citi AA products.
What about the EQM? AA tracks your miles earned on Executive card(s) and adds 10K Elite Qualifying Miles to your EQM balance once you earn 40,000 miles during a calendar year on Executive card(s). Any number of Executive cards can add up to the 40K, and you cannot earn more than 10K EQM each year. No redeemable miles are added, and this is of no consequence or value unless you will also earn at least 15K additional EQM in a given year by flying and 10K will bump you up to the next status level.
Direct phone number to Citi Fraud Prevention department: +18664705331
Concierge service enrollment (allows for electronic requests). Concierge number is +18778812668
Here are the minimum credit limit required amounts in order to keep an account open (for purposes of new card applications and reconsiderations)
Citi Amex 1k (likely citi gold as well)
Citi Visa signature/world MasterCard 3k
Citi World elite Mastercards (including exec) 5k
Advice to those new to citi American Airlines cards,
If you are just starting out please apply and use the lower level citi AA card for a while before moving on to this thread and card. This will help you in the long run in more ways than one. Most of us here have opened and used lower level AA cards before moving on to this thread and card
Also,
Check out this thread
http://www.flyertalk.com/forum/citi-...ost-first.html
-----------------------------------
For questions NOT related to the application process - such as experiences using benefits - refer to the AA forum thread on this card: AA Citibank Executive / AAdvantage World Elite MasterCard (Master Thread)
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 some Citi cards. [B]We do not know, and Citi has not indicated, how long these offers will last. Citi has left other offers alive for over a year beyond the 'apply by' date in the past. These links could be here all year or gone tomorrow. If the application loads, it is good, based on past Citi applications that survived past the landing page expiration, regardless of any posted or advertised 'apply by' date.
MOST CURRENT LINKS:
As of 8/19/14, the 60K+ links are no longer working, and give the following error:
A system error has caused a delay in processing your application. Please try again later.
[This link stopped working for a few days in July but seems to be working again] Many thanks to LM225 - Citi AA Executive Personal Mastercard, 100,000 miles after $10,000 spend in 3 months, Admirals Club access for cardholder and family or cardholder and two guests, up to $200 in statement credits. $450 annual fee, not waived. Landing page no longer loads as of 6/24.
Current 50K public offer: (Be carefull this link is showing as 30k in citi system, use other link for 50k) Landing page for 50K for $5K spending, no statement credit and application.
New 50k offer:
Landing page for New 50K for $5K spending, no statement credit - Application Link WARNING: This landing page contains the following in the Footnotes: "American Airlines AAdvantage® bonus miles are not available if you have had a Citi Executive® / AAdvantage® World EliteTM MasterCard® opened or closed in the past 18 months." But the app link directly following it goes to a totally different app page, which is reported to be working as usual.
EXPEDITED SHIPPING
While reconsideration/application reps do not seem to be aware of this, these cards are expedited and usually arrive 1-2 days after approval.The CSR will not take a request to expedite the card.
Who is eligible for this card? Anyone as long as you can be approved for the minimum $5K credit line, subject to the standard Citi rules of 1 Citi app or card of any kind per 8 days and 2 Citi cards or apps of any kind per 65 days. It is always advisable to wait 65 days from any type of Citi denial before applying for another Citi card. Many have reported getting approved for this card in spite of having several open AA cards over the past year as well as having previously had this card.
Not sure about the 8 and 65 day rules? If your most recent application for any Citi card is less than click here - 8 days ago, you need to wait. Also, if your previous (second-to-last) Citi application is less than click here - 65 days ago, you need to wait. These are not rules published or known by Citi CSRs but rather based on thousands of Citi card applications and datapoints across several threads.
This card can be churned. Recent datapoints concerning multiple Executive cards include posts 917, 1059 and starting at 1365. For in-depth datapoints and advice on churning Citi cards, read and study the extensive wiki posts in the HH thread and the AA Plat/gold thread. Click the plus on the right hand side of the wiki if you do not see the wiki text. Datapoints for bonus points posting on multiple cards include post 2579.
Getting around the $450 annual fee: Some have been able to meet the spending requirement before the first statement posts and then cancel and have the fee refunded after the miles post. Details and datapoints include starting at post 74. T&C state that the card must be cancelled within 30 days of the fee posting to get it refunded. Potential problems with this plans include a very short (1 week or less) first "month" as well as delays in miles posting which have been reported by several FTers here http://www.flyertalk.com/forum/credi...ost-first.html. YMMV. If paying $250-$450 for a year's access to Admirals Clubs and the 60K-100K miles is a deal breaker, this card may not be for you.
Once you cancel the card (within the 37 day window of AF posting) the refund will post on the account between 1-3 business days.
Retention Bonus Offers: User have been offered the following retention bonus offers when calling to cancel the card:
- 5,000 points + $100 credit with $1,500 spend per month for 3 months 5333
- 2 additional club member passes 6862
- 1,000 bonus miles each month for 16 month, min $1k spend/month 6862
Already a member? If you already purchased an AC membership (for example, using the credit from Amex Plat) and apply and are approved for this card, AA will refund you the pro-rated AF from any time left on your membership.
When do miles post? Usually a few days after your statement closes. In some cases your statement will show the correct miles earned but will show 0 miles reported to AA. In this case see this thread.
Please post more experiences about cancelling to avoid the $450 fee
Helpful points from post #3794 and others, especially for those new to Citi:
1) Citi CSRs are clueless, so disregard everything they say that seems to contradict anything you have read on F/T. And take everything else with a big grain of salt. I was told 3 times VERY CLEARLY "You will not got your annual fee refunded" while I was cancelling, but I did get it.
2a) With Citi, if you are approved for a card, and meet the minimum spend requirement, you will get the bonus listed for the offer you applied for. Every time ! Unlike Chase or AMEX, who will send you a card, wait for you to pay the fee and spend, and then say "sorry, you don't qualify for a bonus". If Citi doesn't intend to give you the bonus, they will just deny your app. They won't even do a pull, they will just instantly deny your app. If they send you the card, and you meet the spend on time, you will get the bonus. My attorney insists I add "that could change tomorrow", but from the Big Bang thru today, that has always been true.
2b) Another helpful post discussing timeframe for meeting min spend: 6279
3) Any expectation that Citi will do things that make sense is just plain silly. They won't.
Citibank Contacts/Resources
- 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
- (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
For reference, an AC lounge list: http://www.aa.com/i18n/travelInforma...#admirals-club
For questions and discussions on lounge access: Help Desk: Lounge Access and Lounge Access Rules
$200 Statement Credit on any purchase:
Multiple datapoints within this thread as well as multiple confirmations from CSRs say that the $200 statement credit is for any purchase.
Also, please note that these cards do not include the 10% miles rebate offered by some other Citi AA products.
What about the EQM? AA tracks your miles earned on Executive card(s) and adds 10K Elite Qualifying Miles to your EQM balance once you earn 40,000 miles during a calendar year on Executive card(s). Any number of Executive cards can add up to the 40K, and you cannot earn more than 10K EQM each year. No redeemable miles are added, and this is of no consequence or value unless you will also earn at least 15K additional EQM in a given year by flying and 10K will bump you up to the next status level.
Direct phone number to Citi Fraud Prevention department: +18664705331
Concierge service enrollment (allows for electronic requests). Concierge number is +18778812668
Here are the minimum credit limit required amounts in order to keep an account open (for purposes of new card applications and reconsiderations)
Citi Amex 1k (likely citi gold as well)
Citi Visa signature/world MasterCard 3k
Citi World elite Mastercards (including exec) 5k
Advice to those new to citi American Airlines cards,
If you are just starting out please apply and use the lower level citi AA card for a while before moving on to this thread and card. This will help you in the long run in more ways than one. Most of us here have opened and used lower level AA cards before moving on to this thread and card
Also,
Check out this thread
http://www.flyertalk.com/forum/citi-...ost-first.html
Citi Executive AA MasterCard [October 2013 - September 2014]
Feb 18, 14, 9:04 am
#2236
Join Date: Jan 2014
Posts: 28
2/10 Instant approval
2/15 Spending met
2/18 Statement closed 111K miles reported to AA
200 statement credit
No Annual fee billed!
2/15 Spending met
2/18 Statement closed 111K miles reported to AA
200 statement credit
No Annual fee billed!
Feb 18, 14, 9:24 am
#2237
FlyerTalk Evangelist
Join Date: Feb 2005
Location: PHX & AGP
Programs: AA Lifetime PLT, Bonvoy Lifetime Titanium, Hilton Diamond
Posts: 10,969
So many people are worrying that their miles haven't posted since their statement closed, this seems to be the way that citi been doing it. Over on the 50K citi thread the same thing is happening over there that it is taking on average 2 statements before miles are posting. And the Statement credit doesn't post until the first statement closes.
Feb 18, 14, 11:11 am
#2239
Join Date: Aug 2013
Location: Orange County, CA
Programs: AA, BA, SPG Gold
Posts: 665
Feb 18, 14, 1:02 pm
#2240
Join Date: Feb 2012
Posts: 396
Data points:
2/9 Applied for 1st Exec card, approved after calling in
2/12 Received card #1
2/17 Applied for 2nd Exec card, asked to call in for immediate decision
2/18 Called in to get decision, told I was already approved for card #2, slightly lower limit than card #1
2/9 Applied for 1st Exec card, approved after calling in
2/12 Received card #1
2/17 Applied for 2nd Exec card, asked to call in for immediate decision
2/18 Called in to get decision, told I was already approved for card #2, slightly lower limit than card #1
Feb 18, 14, 1:17 pm
#2241
Join Date: Mar 2009
Location: LAX
Posts: 3,253
Hmm...I received the 100k offer by direct mail, but I tossed the brochure and only saved the app. I originally applied under the 60k promo, was denied, and then approved 2 weeks later by adding income. I asked them to match me to the 75k offer because I had received that in my email and they asked for a copy of the email. Fine...sent. Now I want to match to the 100k offer I received in the mail, and they want a copy of the brochure, which I tossed. All I have left from that packet is the application form. They're saying they have no record of my being targeted for the 100k offer.
Now, call me crazy, but let's just say that I had responded to their direct mail solicitation and sent in the application form. Shouldn't that form contain precisely the unique information they'd require to know what promotion I applied under? Customer support is saying that the application form isn't enough--they need the brochure itself.
Sounds to me like a bunch of bull. Either they're completely incompetent or they're trying very hard not to match w/o saying they won't match. I don't mind if they don't match, btw--that's a courtesy. But to claim that they don't have any way of knowing what promos they sent me, and then to claim that the application form is insufficient is just plain ridonkulous.
Now, call me crazy, but let's just say that I had responded to their direct mail solicitation and sent in the application form. Shouldn't that form contain precisely the unique information they'd require to know what promotion I applied under? Customer support is saying that the application form isn't enough--they need the brochure itself.
Sounds to me like a bunch of bull. Either they're completely incompetent or they're trying very hard not to match w/o saying they won't match. I don't mind if they don't match, btw--that's a courtesy. But to claim that they don't have any way of knowing what promos they sent me, and then to claim that the application form is insufficient is just plain ridonkulous.
Feb 18, 14, 1:24 pm
#2242
Join Date: Jun 2013
Posts: 510
For people who are meeting the spend requirement before the first statement closes, how are you going about it? Are you just buying VRs in CVS?
I'm planning to meet the requirement in two $5k transactions by purchasing VRs at CVS. But since this is my first Citi card, I'm a bit worried if I'll get fraud alert. Am I worried for no reason? Even if I get fraud alert, is it something to worry about?
I'm planning to meet the requirement in two $5k transactions by purchasing VRs at CVS. But since this is my first Citi card, I'm a bit worried if I'll get fraud alert. Am I worried for no reason? Even if I get fraud alert, is it something to worry about?
Feb 18, 14, 1:29 pm
#2243
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
It is very possible that both Citi and AA have been mailing out 100K offers and Citi may not know exactly who AA targets. Given Citi's history of not matching offers, I think we have done well since most who have asked for a match have received at least some miles beyond the offer they signed up for.
Feb 18, 14, 1:30 pm
#2244
Join Date: Mar 2013
Location: Dayton
Programs: Hilton Gold, IHG Platinum, United, AAdvantage
Posts: 220
For people who are meeting the spend requirement before the first statement closes, how are you going about it? Are you just buying VRs in CVS?
I'm planning to meet the requirement in two $5k transactions by purchasing VRs at CVS. But since this is my first Citi card, I'm a bit worried if I'll get fraud alert. Am I worried for no reason? Even if I get fraud alert, is it something to worry about?
I'm planning to meet the requirement in two $5k transactions by purchasing VRs at CVS. But since this is my first Citi card, I'm a bit worried if I'll get fraud alert. Am I worried for no reason? Even if I get fraud alert, is it something to worry about?
Feb 18, 14, 1:32 pm
#2245
Join Date: Mar 2009
Location: LAX
Posts: 3,253
For people who are meeting the spend requirement before the first statement closes, how are you going about it? Are you just buying VRs in CVS?
I'm planning to meet the requirement in two $5k transactions by purchasing VRs at CVS. But since this is my first Citi card, I'm a bit worried if I'll get fraud alert. Am I worried for no reason? Even if I get fraud alert, is it something to worry about?
I'm planning to meet the requirement in two $5k transactions by purchasing VRs at CVS. But since this is my first Citi card, I'm a bit worried if I'll get fraud alert. Am I worried for no reason? Even if I get fraud alert, is it something to worry about?
My CVS will only sell one bag of expensive candy per transaction. The first transaction on my Exec card went through, but the 2nd didn't due to a fraud alert. I got a text on the spot, cleared the alert, and tried a second time, and it worked.
Feb 18, 14, 1:35 pm
#2246
Join Date: Mar 2009
Location: LAX
Posts: 3,253
It is very possible that both Citi and AA have been mailing out 100K offers and Citi may not know exactly who AA targets. Given Citi's history of not matching offers, I think we have done well since most who have asked for a match have received at least some miles beyond the offer they signed up for.
I'm going to fax them the form even though they said it's not enough, along with a letter stating the above. Nothing to lose.
Feb 18, 14, 1:35 pm
#2247
Join Date: Mar 2013
Location: Dayton
Programs: Hilton Gold, IHG Platinum, United, AAdvantage
Posts: 220
IME you'll get a fraud alert regardless of what you buy for the first big spends on a new card, so might as well buy lots of expired Valentine's Day candy at CVS. Believe it or not, I triggered a fraud alert on my AA Citi Plat card by buying...a $300 AA ticket! 
My CVS will only sell one bag of expensive candy per transaction. The first transaction went through, but the 2nd didn't due to a fraud alert. I got a text on the spot, cleared the alert, and tried a second time, and it worked.
My CVS will only sell one bag of expensive candy per transaction. The first transaction went through, but the 2nd didn't due to a fraud alert. I got a text on the spot, cleared the alert, and tried a second time, and it worked.
Feb 18, 14, 1:49 pm
#2248
Join Date: Sep 2005
Programs: Northwest, United
Posts: 3,122
Applied late in the afternoon (~4 pm Pacific time) on Friday 2/14.
Wasn't instantly approved, got the "call for more info" screen.
Not a surprise, as I already have 5 Citi credit cards open. I called.
As expected, only had to move some credit around, approved, agent was easy to deal with. He said I should have my card "within a week".
Saturday 2/15 received email confirmation of approval.
Monday was a holiday.
Today, Tuesday 2/18, UPS delivered the "welcome letter", and FedEx delivered the card itself. Flat envelope, no fancy box. I'm fine with that.
Card activated, off to fill my prescriptions.
^
Wasn't instantly approved, got the "call for more info" screen.
Not a surprise, as I already have 5 Citi credit cards open. I called.
As expected, only had to move some credit around, approved, agent was easy to deal with. He said I should have my card "within a week".
Saturday 2/15 received email confirmation of approval.
Monday was a holiday.
Today, Tuesday 2/18, UPS delivered the "welcome letter", and FedEx delivered the card itself. Flat envelope, no fancy box. I'm fine with that.
Card activated, off to fill my prescriptions.
^
Feb 18, 14, 2:38 pm
#2249
Join Date: Aug 2013
Location: Orange County, CA
Programs: AA, BA, SPG Gold
Posts: 665
Finally got my card!!! But no box... just a FedEx envelope with a plain envelope with card and T&C. My husband got the box 2 weeks ago. Don't know why I'm not special too!!
Feb 18, 14, 2:49 pm
#2250
Join Date: Apr 2007
Posts: 1,853
For people who are meeting the spend requirement before the first statement closes, how are you going about it? Are you just buying VRs in CVS?
I'm planning to meet the requirement in two $5k transactions by purchasing VRs at CVS. But since this is my first Citi card, I'm a bit worried if I'll get fraud alert. Am I worried for no reason? Even if I get fraud alert, is it something to worry about?
I'm planning to meet the requirement in two $5k transactions by purchasing VRs at CVS. But since this is my first Citi card, I'm a bit worried if I'll get fraud alert. Am I worried for no reason? Even if I get fraud alert, is it something to worry about?
