Jan 24, 2014, 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]
Mar 29, 2014, 10:45 am
#3841
Join Date: Feb 2013
Location: NYC
Programs: AA Gold, US Silver, Starwood Gold, Starbucks Gold
Posts: 331
1. We don't know when the offer gets yanked, but speculation is April 1.
2. The "65 day rule" is not official, it's simply the safety zone for how Citi calculates 60 days needed before a 3rd application.
3. Many of us applied on 1/28.
4. Next Monday (3/31) should be 63 days from 1/28.
So...whose planning to roll the dice and go for a 3rd on Monday (or sooner) using the risk calculation shaving 2 days off the "65 day rule" is a better hedge than assuming the offer will be around in April?
2. The "65 day rule" is not official, it's simply the safety zone for how Citi calculates 60 days needed before a 3rd application.
3. Many of us applied on 1/28.
4. Next Monday (3/31) should be 63 days from 1/28.
So...whose planning to roll the dice and go for a 3rd on Monday (or sooner) using the risk calculation shaving 2 days off the "65 day rule" is a better hedge than assuming the offer will be around in April?
Mar 29, 2014, 11:15 am
#3842
Join Date: Jan 2013
Posts: 340
I remember I apply on 1/28 Tuesday afternoon. But I checked credit karma,Credit Card open date is Jan 29, 2014. Is open date one day later than applying date?
Mar 29, 2014, 11:18 am
#3844
Join Date: Oct 2011
Posts: 4,166
Citi is when you are approved. What you see on your credit report is when Citi notified the credit bureau of the new account. The only timer that counts is Citi's internal timer.
Mar 29, 2014, 11:26 am
#3845
Join Date: Nov 2012
Posts: 175
Yet another data point (Wife).
We hesitated at first for fear of going from being the fat pig to the slaughtered hog.
3/16/13: AA Platinum Signature 50K
1/29/14: AA Executive 100K
3/28/14: AA Executive 100K, only had to call in and shift around credit; otherwise, no questions asked.
We hesitated at first for fear of going from being the fat pig to the slaughtered hog.
3/16/13: AA Platinum Signature 50K
1/29/14: AA Executive 100K
3/28/14: AA Executive 100K, only had to call in and shift around credit; otherwise, no questions asked.
I've opened 7 AA cards (5 personal, 2 business) since the end of July 2013. As long as you follow the basic application timing rules as stated in the Wiki's and don't mind calling in to move credit around, Citi doesn't seem to care how many cards you have open or how many bonus points you accumulate.
I took the plunge myself. I was hesitant because I had an additional Platinum Card:
3/16/13 AA Platinum Signature 50K
03/16/13 AA Business Platinum Signature 50K
Two Citi Hilton cards somewhere in between
1/29/14: AA Executive 100K
3/29/14: AA Executive 100K; Like my wife, only had to call in and shift around credit, and no other questions.
400K miles between the two of us in two months for a net $1000.00 in AFs. Not bad!
(I'm not going to cancel before the AF hits. I don't care that others do it, but personally, the deal is good enough as it is and I don't want to get too greedy.
)
Mar 29, 2014, 11:32 am
#3846
Join Date: May 2003
Location: LAX
Programs: DL-Plat, UA-Plat 2MM, AA-PlatPro, B6-Mosaic 3, AY-Plat, HY-Globalist, MR-LT Plat, HH-Gold
Posts: 1,235
Just got card #2 in the mail - when I activated it online I got this message:
I've already received the bonus from card #1 so I'm not particularly concerned if they close the first, but it's been my understanding that the multiple cards remain open. I'd also be concerned that if this is a replacement card, the new bonus would not apply. If I log into my account, it seems to show that both accounts are active with their own credit lines.
Anyone else see this message, any cause for concern?
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.
Anyone else see this message, any cause for concern?
Mar 29, 2014, 11:36 am
#3847
Join Date: Jun 2013
Location: NYC
Programs: Marriott Plat, Hilton Gold, UA Silver
Posts: 2,272
Thanks for the encouragement!
I took the plunge myself. I was hesitant because I had an additional Platinum Card:
3/16/13 AA Platinum Signature 50K
03/16/13 AA Business Platinum Signature 50K
Two Citi Hilton cards somewhere in between
1/29/14: AA Executive 100K
3/29/14: AA Executive 100K; Like my wife, only had to call in and shift around credit, and no other questions.
400K miles between the two of us in two months for a net $1000.00 in AFs. Not bad!
(I'm not going to cancel before the AF hits. I don't care that others do it, but personally, the deal is good enough as it is and I don't want to get too greedy. )
I took the plunge myself. I was hesitant because I had an additional Platinum Card:
3/16/13 AA Platinum Signature 50K
03/16/13 AA Business Platinum Signature 50K
Two Citi Hilton cards somewhere in between
1/29/14: AA Executive 100K
3/29/14: AA Executive 100K; Like my wife, only had to call in and shift around credit, and no other questions.
400K miles between the two of us in two months for a net $1000.00 in AFs. Not bad!
(I'm not going to cancel before the AF hits. I don't care that others do it, but personally, the deal is good enough as it is and I don't want to get too greedy.
)
Mar 29, 2014, 11:48 am
#3848
Join Date: Nov 2012
Posts: 175
+1 It seems like the people who churn the cards and cancel without paying the AF may put the whole thing at risk (if enough people do this citi will decide its just not worth it to them because they are losing too much money). Why kill the goose that lays the golden eggs?
Mar 29, 2014, 12:07 pm
#3849
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
+1 It seems like the people who churn the cards and cancel without paying the AF may put the whole thing at risk (if enough people do this citi will decide its just not worth it to them because they are losing too much money). Why kill the goose that lays the golden eggs?
Also might add that I just got approved for a second card, and instead of the usual message to call in, I got a "we'll let you know in 7 to 10 days" message. I immediately called Recon, and for the first time ever the computer had declined my app due to excessive recent inquiries. This despite the fact that I have been approved in the past with WAY more than the standard 6 HPs in 6 months.
I pleaded my more than a decade pristine history with Citi, my substantial savings account with them, and of course the fact that I didn't want any additional credit. I told the CSR I'd be happy to just move some CL from another card. Even then, he had to get manager approval to override the computer flag. In the end I did get approved, but only for the $9K CL that I moved from my Citi HH card that I canceled. My first AA Elite card had a CL of $16K. So I guess I just squeaked thru on this app.
Still, these 200K miles are going to come in handy when AA/US devalues the awards chart.
Mar 29, 2014, 12:09 pm
#3850
Join Date: Sep 2005
Location: CVG
Programs: AAdvantage, Delta Skymiles, CapOne Venture, Citi ThankYou
Posts: 486
Just got card #2 in the mail - when I activated it online I got this message:
I've already received the bonus from card #1 so I'm not particularly concerned if they close the first, but it's been my understanding that the multiple cards remain open. I'd also be concerned that if this is a replacement card, the new bonus would not apply. If I log into my account, it seems to show that both accounts are active with their own credit lines.
Anyone else see this message, any cause for concern?
I've already received the bonus from card #1 so I'm not particularly concerned if they close the first, but it's been my understanding that the multiple cards remain open. I'd also be concerned that if this is a replacement card, the new bonus would not apply. If I log into my account, it seems to show that both accounts are active with their own credit lines.
Anyone else see this message, any cause for concern?
Mar 29, 2014, 12:12 pm
#3851
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
Just got card #2 in the mail - when I activated it online I got this message:
I've already received the bonus from card #1 so I'm not particularly concerned if they close the first, but it's been my understanding that the multiple cards remain open. I'd also be concerned that if this is a replacement card, the new bonus would not apply. If I log into my account, it seems to show that both accounts are active with their own credit lines.
Anyone else see this message, any cause for concern?
I've already received the bonus from card #1 so I'm not particularly concerned if they close the first, but it's been my understanding that the multiple cards remain open. I'd also be concerned that if this is a replacement card, the new bonus would not apply. If I log into my account, it seems to show that both accounts are active with their own credit lines.
Anyone else see this message, any cause for concern?
Mar 29, 2014, 12:43 pm
#3852
Join Date: Jan 2014
Posts: 1,269
Reducing Credit Limit Voluntarily
Not sure if this will be useful to anyone or not, but just in case, I'll post it.
I have a Citi Bus (applied for Nov 2013), a Citi Platinum (applied for in January), a Citi Exec (applied for in Feb) and an old Citi personal card I've had for years.
All combined, my credit limit was ~$65K, and I thought I would greatly increase my chance of getting a 2nd Exec MC if I voluntarily lowered my CL on the existing cards to $30K. So I did. (Meaning I sent a SM last week asking for the limits on those cards to be reduced, in advance of applying for the 100K Citi Exec card again).
I just applied for a 2nd Exec MC and expected instant approval (as was the case with the Biz, Plat and 1st Exec cards), but instead I had to call in. They offered me a card with a $6700 limit without moving lines, or I could get a higher limit by moving lines. I moved $3300 to the new card so I'd have $10K to work with.
Seems odd that they would approve me for the Bus, Platinum and the first Exec in the amounts of $15K, $19K and $21K, taking my total credit limit to $65K, but for this new Exec card would only offer me new credit of ~$6K taking my total up to ~$36K.
Moral of the story appears to be: don't trust the computer to remember that they recently thought you were worthy of a much higher credit limit. Instead, keep all the credit they offer you and then move it when you need to.
I have a Citi Bus (applied for Nov 2013), a Citi Platinum (applied for in January), a Citi Exec (applied for in Feb) and an old Citi personal card I've had for years.
All combined, my credit limit was ~$65K, and I thought I would greatly increase my chance of getting a 2nd Exec MC if I voluntarily lowered my CL on the existing cards to $30K. So I did. (Meaning I sent a SM last week asking for the limits on those cards to be reduced, in advance of applying for the 100K Citi Exec card again).
I just applied for a 2nd Exec MC and expected instant approval (as was the case with the Biz, Plat and 1st Exec cards), but instead I had to call in. They offered me a card with a $6700 limit without moving lines, or I could get a higher limit by moving lines. I moved $3300 to the new card so I'd have $10K to work with.
Seems odd that they would approve me for the Bus, Platinum and the first Exec in the amounts of $15K, $19K and $21K, taking my total credit limit to $65K, but for this new Exec card would only offer me new credit of ~$6K taking my total up to ~$36K.
Moral of the story appears to be: don't trust the computer to remember that they recently thought you were worthy of a much higher credit limit. Instead, keep all the credit they offer you and then move it when you need to.
Last edited by LWT3; Mar 29, 2014 at 12:48 pm
Mar 29, 2014, 12:51 pm
#3853
Join Date: Apr 2012
Location: Austin TX
Posts: 276
So for our latest card we did not get the overnight acceptance letter followed by the FedEx box the next day. We just got the FedEx letter within a box within a box (my inner environmentalist is unhappy).