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 22, 2014, 10:05 pm
#4891
Join Date: Jun 2011
Location: Around The World
Programs: ALL :)
Posts: 384
GaryZ, with all due respect, you are wrong. AA knows exactly how each AAdvantage member earns their points and they note it on our accounts each time miles are earned (bonus/purchase). AA makes a substantial profit by selling miles to Citi who then distributes them in the form of bonuses. This is a profitable arrangement for AA. They could care less how the miles are being used. They just want to be able to sell more of them to Citi.
Apr 22, 2014, 11:24 pm
#4892
Join Date: Oct 2012
Posts: 970
Up to 100k miles Citi Executive AAdvantage offers [Read the wiki before posting]
Ain't that the truth! Issue miles like candy/let all the pimps extol their virtues so as to get all that affiliate income from morons too stupid not to use their links/then "enhance" the program...
Apr 23, 2014, 12:49 am
#4893
Join Date: Feb 2014
Posts: 41
GaryZ, with all due respect, you are wrong. AA knows exactly how each AAdvantage member earns their points and they note it on our accounts each time miles are earned (bonus/purchase). AA makes a substantial profit by selling miles to Citi who then distributes them in the form of bonuses. This is a profitable arrangement for AA. They could care less how the miles are being used. They just want to be able to sell more of them to Citi.
Here's an exert directly from AA's 10k:
In 2009, American entered into an arrangement under which Citibank paid to American $1 billion in order to pre-purchase AAdvantage Miles (the Advance Purchase Miles) under American’s AAdvantage frequent flier loyalty program (the Advance Purchase).
Last edited by mikedo; Apr 23, 2014 at 12:57 am
Apr 23, 2014, 3:55 am
#4894
Join Date: Jan 2014
Posts: 1,269
WM BP payment not showing up?
For the first time ever, I used WM Checkfree bill pay over the weekend. I did two different transactions at two different times. One was on Saturday morning, and one was on Sunday morning. Sunday's payment showed up on my Citi account this morning. Saturday's is nowhere to be found.
I saved the WM receipt and my OV card from both days. Do you think the WM CSR might have typed in the wrong cc number and sent the payment to the wrong account? Any advice about how to get my payment back? This is the sort of thing I was afraid might happen.
Thanks in advance for any advice about how to proceed.
EDIT: Nevermind. I made a stupid mistake. I made the first payment on my wife's Exec card and the second on my card. I logged onto my account thinking I had made both payments to my card. Both payments have been credited properly.
I saved the WM receipt and my OV card from both days. Do you think the WM CSR might have typed in the wrong cc number and sent the payment to the wrong account? Any advice about how to get my payment back? This is the sort of thing I was afraid might happen.
Thanks in advance for any advice about how to proceed.
EDIT: Nevermind. I made a stupid mistake. I made the first payment on my wife's Exec card and the second on my card. I logged onto my account thinking I had made both payments to my card. Both payments have been credited properly.
Last edited by LWT3; Apr 23, 2014 at 4:11 am
Apr 23, 2014, 8:19 am
#4895
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
I just looked at the original link at the top of the Wiki from LM225, and that one also has this:
"This Citi® / AAdvantage® card offer is only valid for new applicants for a Citi® / AAdvantage® account applied for pursuant to this offer and is not available to existing cardmembers or recent applicants for a Citi® / AAdvantage® credit card."
Do you know for sure that this language wasn't always there for the page reached by that link?
"This Citi® / AAdvantage® card offer is only valid for new applicants for a Citi® / AAdvantage® account applied for pursuant to this offer and is not available to existing cardmembers or recent applicants for a Citi® / AAdvantage® credit card."
Do you know for sure that this language wasn't always there for the page reached by that link?
I don't know what's in the Wiki on your FT website, but the Wiki on mine does not have that "not available" language in the top link. It only has the language about "new accounts" that I posted earlier.
Who am I supposed to believe, you, or my lying eyes?
Apr 23, 2014, 8:39 am
#4896
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Airlines do care how miles are redeemed, and for whom they are redeemed. When they see a large amount of miles appear in an account they may be concerned that those miles will subsequently be brokered in violation of the program terms.
Apr 23, 2014, 9:10 am
#4897
Join Date: Feb 2014
Posts: 41
I was just declined for my 3rd card, with my first application being made 62/63 days ago (depending on if you count today or not). The CSR was not able to give me an exact answer as to why, but she mentioned it was along the lines of the number of lines of credits they have recently established for me. I plan on calling the recon line once the letter gets in to try and get this approved. Do you guys have any advice for what I should tell as to why I have so many recent inquiries on my account? Also, do I need to wait for the letter to come in before calling the recon line? This is what the CSR suggested. Thanks in advance, any help is appreciated.
Also some personal data points:
Credit:
FICO (per barclays): 750
Utilization: <1%
Citi App Dates:
1st app: 2/20
2nd app: 3/18
3rd app: 4/23
6 hard pulls made via EQ in the past 6 months:
2 from Citi
2 from Chase
1 from ATT
1 from Realpage Inc? (I need to look in to this one)
I wish I would have waited to for the 65/66 day mark to apply, but I got antsy and jumped the gun. I'm not sure if it would have help, but I'll still take it as a lesson learned.
Also some personal data points:
Credit:
FICO (per barclays): 750
Utilization: <1%
Citi App Dates:
1st app: 2/20
2nd app: 3/18
3rd app: 4/23
6 hard pulls made via EQ in the past 6 months:
2 from Citi
2 from Chase
1 from ATT
1 from Realpage Inc? (I need to look in to this one)
I wish I would have waited to for the 65/66 day mark to apply, but I got antsy and jumped the gun. I'm not sure if it would have help, but I'll still take it as a lesson learned.
Apr 23, 2014, 9:13 am
#4898
Join Date: Feb 2014
Posts: 123
For any and all interested:
02/17 : 1st Citi Exec Card $5K (with option to move credit) cancelled before 30 days
03/05 : 2nd Citi Exec Card $5k (with option to move credit) still open
04/23 : 3rd Citi Exec Card $5K (with option to move credit)
I inquired about why always only $5K when my other citi cards are over 20K each. Rep stated (believe at your own cost) That I received a "targeted" offer back in November that I was pre-approved for $5K for a Citi Exec card so that's all the system will approve me for at this time.
02/17 : 1st Citi Exec Card $5K (with option to move credit) cancelled before 30 days
03/05 : 2nd Citi Exec Card $5k (with option to move credit) still open
04/23 : 3rd Citi Exec Card $5K (with option to move credit)
I inquired about why always only $5K when my other citi cards are over 20K each. Rep stated (believe at your own cost) That I received a "targeted" offer back in November that I was pre-approved for $5K for a Citi Exec card so that's all the system will approve me for at this time.
Apr 23, 2014, 9:17 am
#4899
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
Untold numbers of us who have gotten over a Million miles from cc bonuses over many years are certain from our own experience that this is not true. I challenge you to come up with a single solid data point of this having occurred to anyone who was not in fact trying to sell miles for profit.
Airlines may become concerned when large numbers of miles are transferred to numerous people. And they very much follow thru when they find ads on Craigslist or Ebay offering to sell miles. I've read that AA has actually placed such ads offering to buy miles to catch people wanting to sell them. But the non-cash gifting of awards to actual friends and relatives is explicitly permitted in the FFP T/C.
But they don't worry just because someone builds up miles in their account. After all, AA sold a Billion $ worth of miles to Citibank, and they well know that Citi is using those miles to entice us to apply for ccs. AA profits handsomely from this, and would not want to do anything to interfere from this continuing in the future.
Apr 23, 2014, 9:22 am
#4900
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
For any and all interested:
02/17 : 1st Citi Exec Card $5K (with option to move credit) cancelled before 30 days
03/05 : 2nd Citi Exec Card $5k (with option to move credit) still open
04/23 : 3rd Citi Exec Card $5K (with option to move credit)
I inquired about why always only $5K when my other citi cards are over 20K each. Rep stated (believe at your own cost) That I received a "targeted" offer back in November that I was pre-approved for $5K for a Citi Exec card so that's all the system will approve me for at this time.
02/17 : 1st Citi Exec Card $5K (with option to move credit) cancelled before 30 days
03/05 : 2nd Citi Exec Card $5k (with option to move credit) still open
04/23 : 3rd Citi Exec Card $5K (with option to move credit)
I inquired about why always only $5K when my other citi cards are over 20K each. Rep stated (believe at your own cost) That I received a "targeted" offer back in November that I was pre-approved for $5K for a Citi Exec card so that's all the system will approve me for at this time.
Apr 23, 2014, 9:26 am
#4901
Join Date: Mar 2014
Posts: 148
But they don't worry just because someone builds up miles in their account. After all, AA sold a Billion $ worth of miles to Citibank, and they well know that Citi is using those miles to entice us to apply for ccs. AA profits handsomely from this, and would not want to do anything to interfere from this continuing in the future.
Now, racking up these miles, I'm looking to fly them again. I have a few domestic trips later this year and have been searching airfare. Will I fly American? Not necessarily, but they're back on the list of airlines that I'd consider again. Before, I wouldn't have even bothered. With miles and Admiral's Club access, I'm much more inclined to buy a few fares over the next year or two, which is a few more fares than I would have in the past.
Apr 23, 2014, 9:31 am
#4902
Join Date: Jun 2011
Location: Around The World
Programs: ALL :)
Posts: 384
I was just declined for my 3rd card, with my first application being made 62/63 days ago (depending on if you count today or not). The CSR was not able to give me an exact answer as to why, but she mentioned it was along the lines of the number of lines of credits they have recently established for me. I plan on calling the recon line once the letter gets in to try and get this approved. Do you guys have any advice for what I should tell as to why I have so many recent inquiries on my account? Also, do I need to wait for the letter to come in before calling the recon line? This is what the CSR suggested. Thanks in advance, any help is appreciated.
Also some personal data points:
Credit:
FICO (per barclays): 750
Utilization: <1%
Citi App Dates:
1st app: 2/20
2nd app: 3/18
3rd app: 4/23
6 hard pulls made via EQ in the past 6 months:
2 from Citi
2 from Chase
1 from ATT
1 from Realpage Inc? (I need to look in to this one)
I wish I would have waited to for the 65/66 day mark to apply, but I got antsy and jumped the gun. I'm not sure if it would have help, but I'll still take it as a lesson learned.
Also some personal data points:
Credit:
FICO (per barclays): 750
Utilization: <1%
Citi App Dates:
1st app: 2/20
2nd app: 3/18
3rd app: 4/23
6 hard pulls made via EQ in the past 6 months:
2 from Citi
2 from Chase
1 from ATT
1 from Realpage Inc? (I need to look in to this one)
I wish I would have waited to for the 65/66 day mark to apply, but I got antsy and jumped the gun. I'm not sure if it would have help, but I'll still take it as a lesson learned.
Apr 23, 2014, 9:36 am
#4903
Join Date: Aug 2012
Programs: WN DL SPG HGP HH
Posts: 28
RealPage is the software the apartment community ran your application through
Apr 23, 2014, 9:39 am
#4904
Join Date: Feb 2014
Posts: 41
1) Should I freeze my Experian/Equifax before calling the recon line?
2) If they still deny me, does my 65 days between 3 applications start over again (beginning at date of 2nd app)?
ahhh good to know.
Apr 23, 2014, 9:40 am
#4905
Join Date: Feb 2014
Location: PHX
Programs: AA EXP, SPG Plat, Hyatt Plat
Posts: 78
Date Point:
Citi AA Plat x2: 8/2013
Citi Exec #1: 1/29/14 Approved - miles posted
Citi Exec #2: 2/7/14 Approved - miles posted
Citi Exec #3: 4/4/14 Approved (moved cl and closed a Plat)
Citi Exec #4: 4/14/14 Approved (only 5k cl)
All four required "call us for more info" and was only asked about adding a cell number, no other questions.
Exec #4 approval makes 5 open cards with Citi (not playing the 'meet spent and close' game) and my 11th hard pull in 6-months. Credit score 779.
Citi AA Plat x2: 8/2013
Citi Exec #1: 1/29/14 Approved - miles posted
Citi Exec #2: 2/7/14 Approved - miles posted
Citi Exec #3: 4/4/14 Approved (moved cl and closed a Plat)
Citi Exec #4: 4/14/14 Approved (only 5k cl)
All four required "call us for more info" and was only asked about adding a cell number, no other questions.
Exec #4 approval makes 5 open cards with Citi (not playing the 'meet spent and close' game) and my 11th hard pull in 6-months. Credit score 779.