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]
Apr 16, 2014, 11:40 am
#4651
Join Date: Mar 2014
Posts: 197
Thinking about getting a second AA Exec but I have to apply for a mortgage / home loan soon (3-6 months)... any advice?? I have a total of 9 cards and my score used to be 767 but just came down to 748 due to recent CC apps
Apr 16, 2014, 11:52 am
#4652
Join Date: Feb 2014
Posts: 825
You should have stopped CC apps a while ago...
Apr 16, 2014, 12:16 pm
#4654
Join Date: Jun 2009
Location: ONT/LAX
Programs: IHG Plat
Posts: 496
lmao, no. Credit inquiry is not the same as auto/home loan inquiry. do it again and watch your score go below 740. have fun paying higher interest
Apr 16, 2014, 12:17 pm
#4655
Join Date: Jan 2000
Location: fort worth, texas
Posts: 946
Plus, you don't seem to be grasping your lender is going to go over your credit report with a fine-tooth comb! They're going to want to know why you're applying for several cards regardless of score. Oh, and please don't tell me you're going to actually have your card(s) close with a high balance regardless of whether you pay them off!
[shakes head] I at least have the humility to know if I tried to change my car's oil, I'd disable it somehow; I wish some people would think twice before diving into the credit card game.
Last edited by teammjs; Apr 16, 2014 at 12:23 pm
Apr 16, 2014, 12:18 pm
#4656
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
Apr 16, 2014, 12:25 pm
#4657
Join Date: Mar 2014
Posts: 197
Thanks for the insight and the pointer to the mortgage thread!
Apr 16, 2014, 12:26 pm
#4658
Join Date: Nov 2013
Location: LAX, LGB, SNA
Programs: AA EXP OWE, DL DM ST+, AS MVPG, UA, BA, WN CP, Hyatt E, Ritz Plat, HH GM
Posts: 3,185
Why are there people here trying to get a mortgage right after applying for CCs and people who are BTing 10k into other 0% interest cards? This isn't how it should be done or am I wrong in thinking that? SMH
Apr 16, 2014, 12:28 pm
#4659
Join Date: Mar 2014
Posts: 197
Dude, you really need to undestand some credit score basics before dabbling in this game. This isn't intended to be obnoxious but you could seriously do yourself some serious credit dammage if you don't have a full grasp on what impacts your credit score. NO, it doesn't get counted as 1 inquiry! Only in a few isolated cases can you apply for two cards from the same issuer on the same day/hour/minute and hopefully see a combination. You're thinking about loan type products where there is some combo-ing as you shop for a provider.
Plus, you don't seem to be grasping your lender is going to go over your credit report with a fine-tooth comb! They're going to want to know why you're applying for several cards regardless of score. Oh, and please don't tell me you're going to actually have your card(s) close with a high balance regardless of whether you pay them off!
[shakes head] I at least have the humility to know if I tried to change my car's oil, I'd disable it somehow; I wish some people would think twice before diving into the credit card game.
Plus, you don't seem to be grasping your lender is going to go over your credit report with a fine-tooth comb! They're going to want to know why you're applying for several cards regardless of score. Oh, and please don't tell me you're going to actually have your card(s) close with a high balance regardless of whether you pay them off!
[shakes head] I at least have the humility to know if I tried to change my car's oil, I'd disable it somehow; I wish some people would think twice before diving into the credit card game.
Apr 16, 2014, 12:38 pm
#4660
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
No chance. Multiple credit card applications from the same lender on the same day may be combined. Credit card applications are not merged like mortgage applications are. More here http://www.flyertalk.com/forum/credi...-mortgage.html
"it all depending on how the rest of your credit report, and downpayment. i got a 2.75% mortgage after having 12+ inquires and 11 new credit accounts in the prior six months."
Part of your credit score is your degree of utilization. Those EXEC cards require lots of spend. Don't let your statements close with high balances due. Which is easy to have happen, since Citi is having that first closing date post shortly after you get the card.
Everytime I make a large purchase, oh say $1009.90 at CVS,
, I make a payment the next day. My bank takes a couple of days to get that payment to Citi, so my payment posts a day or so after the charge posts. Keeping my utilization rate way less than 1%. Same thing when my smaller charges add up into the $1K range, I pay that off long before the statement closes. Do that with all of your ccs for a couple of months, and your credit score will pop right back up. If you can't basically pay off all of your charges when they happen in real time, you are spending beyond your means.
Then the more ccs you get, the more credit you have, and the lower your utilization rating. Doing things this way, I've seen my CR pop back into the 800s a month after a 6 card AOR.
Apr 16, 2014, 12:42 pm
#4661
Join Date: Jan 2000
Location: fort worth, texas
Posts: 946
I want to clarify something. I didn't say to close your cards with a high balance, I said to not let your cards close with a high balance. This is a nuance you should study and not make a simple assumption that someone is giving you advice on cancelling a card with a balance.
The point being that if you charge $10k to the card, you sure as hell better plan on paying it off before the statement closes and it gets reported to the credit agencies. That's going to be a possible red-flag that your lender will see and be concerned about even if you had IMMEDIATELY paid it off right after close. Even if another cycle goes after that, it could show up as the "high balance reported" on that card!
People: Understand. How. Your. Credit. Works. And. What. Lenders. See. On. Your. Reports.
Apr 16, 2014, 12:53 pm
#4662
Join Date: Mar 2014
Posts: 197
Dude, you really need to undestand some credit score basics before dabbling in this game. This isn't intended to be obnoxious but you could seriously do yourself some serious credit dammage if you don't have a full grasp on what impacts your credit score. NO, it doesn't get counted as 1 inquiry! Only in a few isolated cases can you apply for two cards from the same issuer on the same day/hour/minute and hopefully see a combination. You're thinking about loan type products where there is some combo-ing as you shop for a provider.
Plus, you don't seem to be grasping your lender is going to go over your credit report with a fine-tooth comb! They're going to want to know why you're applying for several cards regardless of score. Oh, and please don't tell me you're going to actually have your card(s) close with a high balance regardless of whether you pay them off!
[shakes head] I at least have the humility to know if I tried to change my car's oil, I'd disable it somehow; I wish some people would think twice before diving into the credit card game.
Plus, you don't seem to be grasping your lender is going to go over your credit report with a fine-tooth comb! They're going to want to know why you're applying for several cards regardless of score. Oh, and please don't tell me you're going to actually have your card(s) close with a high balance regardless of whether you pay them off!
[shakes head] I at least have the humility to know if I tried to change my car's oil, I'd disable it somehow; I wish some people would think twice before diving into the credit card game.
This isn't about innate intelligence, but it is about studying the rules of a "game". The only reason people are piling-on is because they're trying to prevent you from immediately doing anything more hugely negative since, to be frank, you jumped on the court without a game plan or a basic of some key rules and you're literally costing yourself points (and maybe a lot of dollars in interest costs later).
I want to clarify something. I didn't say to close your cards with a high balance, I said to not let your cards close with a high balance. This is a nuance you should study and not make a simple assumption that someone is giving you advice on cancelling a card with a balance.
The point being that if you charge $10k to the card, you sure as hell better plan on paying it off before the statement closes and it gets reported to the credit agencies. That's going to be a possible red-flag that your lender will see and be concerned about even if you had IMMEDIATELY paid it off right after close. Even if another cycle goes after that, it could show up as the "high balance reported" on that card!
People: Understand. How. Your. Credit. Works. And. What. Lenders. See. On. Your. Reports.
I want to clarify something. I didn't say to close your cards with a high balance, I said to not let your cards close with a high balance. This is a nuance you should study and not make a simple assumption that someone is giving you advice on cancelling a card with a balance.
The point being that if you charge $10k to the card, you sure as hell better plan on paying it off before the statement closes and it gets reported to the credit agencies. That's going to be a possible red-flag that your lender will see and be concerned about even if you had IMMEDIATELY paid it off right after close. Even if another cycle goes after that, it could show up as the "high balance reported" on that card!
People: Understand. How. Your. Credit. Works. And. What. Lenders. See. On. Your. Reports.
Apr 16, 2014, 12:57 pm
#4664
Join Date: Feb 2014
Programs: SPG Plat, IHG Plat Ambassador, CC Gold, HH Diamond, Hyatt Plat
Posts: 67
Data Point on miles not posted
Hi All... I have been lurking on this thread ever since it started. I decided to comment now to leave a data point that might be helpful to some:
The miles on my first 2 statements on the 1st card went over to AA without a hitch a day or 2 after closing date. Now, on my 2nd card, I, too (as other have said on this tread) the first statement said 111,XXX miles earned, but 0 Reported to AA. When I called Citi, the fist rep said it was a "typo" on the statement and the miles were sent over. I went back and forth with Citi and AA and basically the miles were in limbo is what they said. I got a very helpful rep last time I called citi and she called AA and they said that because of the system upgrades post merger some account were having trouble posting the miles. (Later they actually said that AA did not confirm my AAdvantage number until 3 days after closing date although I did send a message to confirm way before). Citi assured me that the miles will post 5/8 on my next closing date.
The important thing is that I had ticketed outbound tickets with the miles that I had in my account, and had the inbound on hold and was counting on the new miles posting. The hold was expiring today and I did not want to loose the ticket. After some convincing and because the miles WERE supposed to post 4/7 I got the AAdvantage Customer Service (not AAdvantage desk) to call over to Citi to verbally confirm that they miles were earned and posting on 5/8. AAdvantage CSR was then able to notate the ammount of miles that were coming into my account and transfer me over to Reservations. THEN (and to my surprise) the reservations rep TICKETED the itineraries based and the miles that are coming in a month. I know that AA sometimes lets you go negative but they let me go -100k So, even though the post is long, I hope it helps someone wanting to book an award ticket that is now available but may not be once your miles post.
The miles on my first 2 statements on the 1st card went over to AA without a hitch a day or 2 after closing date. Now, on my 2nd card, I, too (as other have said on this tread) the first statement said 111,XXX miles earned, but 0 Reported to AA. When I called Citi, the fist rep said it was a "typo" on the statement and the miles were sent over. I went back and forth with Citi and AA and basically the miles were in limbo is what they said. I got a very helpful rep last time I called citi and she called AA and they said that because of the system upgrades post merger some account were having trouble posting the miles. (Later they actually said that AA did not confirm my AAdvantage number until 3 days after closing date although I did send a message to confirm way before). Citi assured me that the miles will post 5/8 on my next closing date.
The important thing is that I had ticketed outbound tickets with the miles that I had in my account, and had the inbound on hold and was counting on the new miles posting. The hold was expiring today and I did not want to loose the ticket. After some convincing and because the miles WERE supposed to post 4/7 I got the AAdvantage Customer Service (not AAdvantage desk) to call over to Citi to verbally confirm that they miles were earned and posting on 5/8. AAdvantage CSR was then able to notate the ammount of miles that were coming into my account and transfer me over to Reservations. THEN (and to my surprise) the reservations rep TICKETED the itineraries based and the miles that are coming in a month. I know that AA sometimes lets you go negative but they let me go -100k So, even though the post is long, I hope it helps someone wanting to book an award ticket that is now available but may not be once your miles post.
Apr 16, 2014, 1:09 pm
#4665
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
The point being that if you charge $10k to the card, you sure as hell better plan on paying it off before the statement closes and it gets reported to the credit agencies. That's going to be a possible red-flag that your lender will see and be concerned about even if you had IMMEDIATELY paid it off right after close. Even if another cycle goes after that, it could show up as the "high balance reported" on that card!
Uh-huh, once a balance is reported, it can take several months for the bank to notify the CB that it has been paid off. So I wouldn't even risk the "pay it before the statement closes", just pay it off right away. You can get a new EXEC cc, go right to your pharmacy and buy $5K in OVs, then the next day head over to 3 WMs and BP that off. Repeat that the following day, and your minimum spend is finished. And your credit utilization is basically zero since your payments and charges basically hit more or less the same day. (Only caveat is not to have your payments hit too far ahead of your charges with AMEX, and especially with WF).
I do this, and every time I call Recon they complement me on my credit history with them, since with instant payments they have zero risk from my charges. I even just talked US Bank into approving my app for a Flex card, despite my 14 pulls in 6 months. Yes, I got an instant denial, but when I called Recon I pointed out my high spend {ie profit for them), with total lack of utilization {no risk for them). Since I have the Carlson cc from them, he could see the truth of what I was saying. The CSR sent it up for reconsideration, and I was approved the next day. If you can make it at USB, you can make it anywhere
