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 17, 2014, 11:13 am
#4696
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
How do you deal with the Citi fraud alerts on a new card? When I try something similar, the card gets declined, so I pay with a more seasoned card... Then 5-10 minutes later Citi sends a message asking whether it was me, I confirm, but it is too late as far as that purchase is concerned.
If you have a cell phone, put that number on the app along with your landline phone. If Citi wants to do a fraud check, you will get a call right away if you are denied the purchase. Get out of line, call them back, id yourself, get the FA cleared, get back in line and do the purchase.
If you don't have a cell phone, go at a time when the store is hopefully not real busy, and when declined ask to use the store phone to call the number on the back of the card to get the FA cleared, then complete the purchase.
Whatever you do, do not do a few small purchases on a new card, followed by a large one. That will trigger a FA every time, since that's what scammers do with a stolen card. They do a couple small purchases to make sure it's still good, then hit it hard. Either head right for the VGC purchase, or spend a week or so spending on it daily, then go for the large purchase.
Some people have reported success with calling the cc company and telling them they are going to do a large $ purchase. Others report doing this didn't help at all. Probably no harm in trying that, just realize it may not help.
I have a history with Citi of large purchases on new cards, so they no longer question that with me. If you don't, it may be easier to just charge a $500 VGC on a new cc, send in a payment immediately, and wait for that to post before you go for multiple thousands on a new card. Once the cc company sees a moderately large purchase go thru and get paid, they are much less likely to question further purchases of the same type.
If you want to pay immediately, you will need to make the payment somewhere other than your cc webpage, since that probably won't allow you to pay a charge that is still in "pending" mode. I have a checking account at a bank that I don't get ccs from, so paying thru my checking account for charges that haven't posted yet is no problem. You could also pay thru Bluebird, etc.
If you pay before the charges post, don't get too far ahead with AMEX, or especially Wells Fargo. Paying not yet existing charges makes them nervous. So wait a day before you make a payment, that way the charge will have posted by the time your payment gets there.
Apr 17, 2014, 11:29 am
#4697
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
Back before CVS stopped VR with cc, the idea was not to name them, so that Google searches wouldn't bring CVS attention here. That no longer seems reasonable. Everybody knows what we are doing. The last time I called Citi to cancel a HH cc, the retention rep pointed out to me "you get 3 points per dollar at drugstores". Pretty clear why he mentioned drugstores, since that card gets you 3/$ everywhere.
I've read reports that some Walgreens do sell VGCs, sometimes even VRs, with a cc. It's a store by store decision, so you may have to drive around. But mostly I've read WGs usually has a $500, or sometimes $1K limit. You might also check RiteAid if you have them locally.
And it doesn't have to be OVs. To the best of my knowledge, all Visa GCs now allow you to set a pin. Some you may have to call in to set it. OVs let you set it on first use; you just put in any 4 numbers and you're good to go. The other nice thing about OV is that it doesn't say "gift card" on it; it says "debit". Which in theory makes it better for WMBP, but I haven't read of anyone reporting a problem at WM with a gift card, so just get whatever your store has in stock.
Apr 17, 2014, 12:54 pm
#4698
Join Date: Mar 2014
Location: Virginia Beach / ORF
Posts: 15
Only go for a large purchase on a new card when you have the time to either hang out at the store till you get the FA cleared, or plan on coming back later to finish the purchase.
If you have a cell phone, put that number on the app along with your landline phone. If Citi wants to do a fraud check, you will get a call right away if you are denied the purchase. Get out of line, call them back, id yourself, get the FA cleared, get back in line and do the purchase.
If you don't have a cell phone, go at a time when the store is hopefully not real busy, and when declined ask to use the store phone to call the number on the back of the card to get the FA cleared, then complete the purchase.
Whatever you do, do not do a few small purchases on a new card, followed by a large one. That will trigger a FA every time, since that's what scammers do with a stolen card. They do a couple small purchases to make sure it's still good, then hit it hard. Either head right for the VGC purchase, or spend a week or so spending on it daily, then go for the large purchase.
Some people have reported success with calling the cc company and telling them they are going to do a large $ purchase. Others report doing this didn't help at all. Probably no harm in trying that, just realize it may not help.
I have a history with Citi of large purchases on new cards, so they no longer question that with me. If you don't, it may be easier to just charge a $500 VGC on a new cc, send in a payment immediately, and wait for that to post before you go for multiple thousands on a new card. Once the cc company sees a moderately large purchase go thru and get paid, they are much less likely to question further purchases of the same type.
If you want to pay immediately, you will need to make the payment somewhere other than your cc webpage, since that probably won't allow you to pay a charge that is still in "pending" mode. I have a checking account at a bank that I don't get ccs from, so paying thru my checking account for charges that haven't posted yet is no problem. You could also pay thru Bluebird, etc.
If you pay before the charges post, don't get too far ahead with AMEX, or especially Wells Fargo. Paying not yet existing charges makes them nervous. So wait a day before you make a payment, that way the charge will have posted by the time your payment gets there.
If you have a cell phone, put that number on the app along with your landline phone. If Citi wants to do a fraud check, you will get a call right away if you are denied the purchase. Get out of line, call them back, id yourself, get the FA cleared, get back in line and do the purchase.
If you don't have a cell phone, go at a time when the store is hopefully not real busy, and when declined ask to use the store phone to call the number on the back of the card to get the FA cleared, then complete the purchase.
Whatever you do, do not do a few small purchases on a new card, followed by a large one. That will trigger a FA every time, since that's what scammers do with a stolen card. They do a couple small purchases to make sure it's still good, then hit it hard. Either head right for the VGC purchase, or spend a week or so spending on it daily, then go for the large purchase.
Some people have reported success with calling the cc company and telling them they are going to do a large $ purchase. Others report doing this didn't help at all. Probably no harm in trying that, just realize it may not help.
I have a history with Citi of large purchases on new cards, so they no longer question that with me. If you don't, it may be easier to just charge a $500 VGC on a new cc, send in a payment immediately, and wait for that to post before you go for multiple thousands on a new card. Once the cc company sees a moderately large purchase go thru and get paid, they are much less likely to question further purchases of the same type.
If you want to pay immediately, you will need to make the payment somewhere other than your cc webpage, since that probably won't allow you to pay a charge that is still in "pending" mode. I have a checking account at a bank that I don't get ccs from, so paying thru my checking account for charges that haven't posted yet is no problem. You could also pay thru Bluebird, etc.
If you pay before the charges post, don't get too far ahead with AMEX, or especially Wells Fargo. Paying not yet existing charges makes them nervous. So wait a day before you make a payment, that way the charge will have posted by the time your payment gets there.
I just said I would be travelling in my home state, during the period up to when my statement closed. I used the card for regular spending along with $1,000 to $4,000 CVS transactions and never received a fraud alert. Contrasted with my first 100k AA, I followed the same spending pattern and was declined due to fraud alerts at least 3 times.
Apr 17, 2014, 1:05 pm
#4699
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
The technique that worked for me on this card (my 2nd 100k AA) has been previously posted in this thread. Once logged into your Citi account, click on the "Benefits and Account Management" tab at the top and from there click "Notify Us About Travel Plans".
I just said I would be travelling in my home state, during the period up to when my statement closed. I used the card for regular spending along with $1,000 to $4,000 CVS transactions and never received a fraud alert. Contrasted with my first 100k AA, I followed the same spending pattern and was declined due to fraud alerts at least 3 times.
I just said I would be travelling in my home state, during the period up to when my statement closed. I used the card for regular spending along with $1,000 to $4,000 CVS transactions and never received a fraud alert. Contrasted with my first 100k AA, I followed the same spending pattern and was declined due to fraud alerts at least 3 times.
Apr 17, 2014, 1:21 pm
#4700
Join Date: Apr 2014
Posts: 12
Can Citi take back the 100K points if you close the account within 30 days and get AF refunded ? If you read the offer details, it does not say anything about closing the account penalty. People who closed the account after getting 100K miles and AF refunded more than 3 months back might be able to give a data point if there miles are intact after 3 months.
Last edited by sanany; Apr 17, 2014 at 1:26 pm
Apr 17, 2014, 1:26 pm
#4701
Join Date: Jan 2013
Location: BOS
Programs: AA EXP, DL PM, Hyatt Diamond
Posts: 2,028
8 days since #3 and I applied for #4. I think I got rejected. Brought to chat box, and was told that they need 24-48 hours to go over more details (she said it was mainly verification). Will try calling soon. Had the feeling I was getting too greedy. Card #1 and #3 still open, #2 was closed w/o AF paid.
Apr 17, 2014, 1:27 pm
#4702
Join Date: Jan 2013
Location: BOS
Programs: AA EXP, DL PM, Hyatt Diamond
Posts: 2,028
Can Citi take back the 100K points if you close the account within 30 days and get AF refunded ? If you read the offer details, it does not say anything about closing the account penalty. People who closed the account after getting 100K miles and AF refunded more than 3 months back might be able to give a data point if there miles are intact after 3 months.
Apr 17, 2014, 1:30 pm
#4703
Join Date: Oct 2013
Location: SAN
Posts: 58
Navy Federal Credit Union - NO FEE 12 months 0%, if you qualify for membership they are the best CU out there This was a promo they do 1 or 2 times a year. It ends on 4/20/2014
Last edited by fslarry; Apr 17, 2014 at 1:48 pm
Apr 17, 2014, 1:45 pm
#4704
Join Date: Jan 2013
Location: BOS
Programs: AA EXP, DL PM, Hyatt Diamond
Posts: 2,028
8 days since #3 and I applied for #4. I think I got rejected. Brought to chat box, and was told that they need 24-48 hours to go over more details (she said it was mainly verification). Will try calling soon. Had the feeling I was getting too greedy. Card #1 and #3 still open, #2 was closed w/o AF paid.
Let the train keep on rolling, at least until the devaluation comes!
Apr 17, 2014, 1:59 pm
#4705
Join Date: Mar 2013
Posts: 299
Just kidding! Approved for #4 after a quick recon call (which was elevated to a higher-level CSR). Funny, didn't have to shift credit around at all, which was required from #3. Also the CL was bigger than I expected.
Let the train keep on rolling, at least until the devaluation comes!
Let the train keep on rolling, at least until the devaluation comes!
Apr 17, 2014, 2:13 pm
#4706
Join Date: Jan 2000
Location: fort worth, texas
Posts: 946
Now, for those who have been here awhile and do post after post of questions they are too lazy to do ANY reading (wiki, post directly above their's, etc.), they're the ones that are driving me to spend less and less time contributing here and more on other sites that won't spoon-feed every mouth that should know how to feed itself.
Apr 17, 2014, 3:06 pm
#4707
Join Date: Jan 2014
Location: LAX/BUR
Posts: 525
Just kidding! Approved for #4 after a quick recon call (which was elevated to a higher-level CSR). Funny, didn't have to shift credit around at all, which was required from #3. Also the CL was bigger than I expected.
Let the train keep on rolling, at least until the devaluation comes!
Let the train keep on rolling, at least until the devaluation comes!
Apr 17, 2014, 3:10 pm
#4708
Join Date: Oct 2011
Posts: 4,166
The Wiki is the FIRST thing that shows up when you click to view a thread. If they're that inept that they won't read the first thing that pops up I have no desire to spoon feed them.
Apr 17, 2014, 3:10 pm
#4709
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