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]
May 20, 2014, 1:24 pm
#5806
Join Date: Apr 2014
Location: LAX
Posts: 28
You will have to wait 12-24 months from your 4th Exec card to get the personal AA platinum. The Exec resets the platinum clock. The business AA you can apply for anytime as long as you are within the 8/65 rule.
May 20, 2014, 1:28 pm
#5807
Join Date: Mar 2011
Location: USA
Programs: All of em...
Posts: 1,265
I guess I'll be the heretic...
I've gotta ask: is it really worth it to accumulate AA miles at this point?
Maybe you are looking for a coach seat to Orlando and don't mind 3 stops including an overnight in Dallas, Phoenix or Charlotte.
So now I'm asking myself if AA miles are good for anything. The answer, I've reluctantly concluded, is no. They are completely worthless.
Honestly, has anyone found ANY good use for these miles now? I haven't.
I've gotta ask: is it really worth it to accumulate AA miles at this point?
Maybe you are looking for a coach seat to Orlando and don't mind 3 stops including an overnight in Dallas, Phoenix or Charlotte.
So now I'm asking myself if AA miles are good for anything. The answer, I've reluctantly concluded, is no. They are completely worthless.
Honestly, has anyone found ANY good use for these miles now? I haven't.
Yes, they're good for many things.
Most of your problem is that you want to fly business. That's a big luxury of miles, but you'll find more availability in coach. It sucks, but it's reality, especially if you live in a small city and have connections to make before going international.
Ways you can use your miles:
- Hotels & Car Rentals... so you can't find Biz to where you want, but you could get hotels & car rentals! Not as much value, but 750k miles is easily $6-$9k in hotels.
- Charity
- Bless your family/friends when needed.
- Fly Coach
May 20, 2014, 1:54 pm
#5808
Join Date: Feb 2014
Programs: SPG Plat, IHG Plat Ambassador, CC Gold, HH Diamond, Hyatt Plat
Posts: 67
what do you mean? Its been more than 3 months from 2/14! (I was not sure if I wanted to go for a 3rd one) What I want to make sure is that #4 has to be 65 days from #2... which would be 5/27 so I would be fine applying for #4 on 5/29 - ?
May 20, 2014, 2:07 pm
#5809
Join Date: Sep 2005
Location: CVG
Programs: AAdvantage, Delta Skymiles, CapOne Venture, Citi ThankYou
Posts: 486
I signed up for the personal Citi 50k offer today thinking I can still sign up for the executive card next week before May 31. However, I see the Chase Ink deal will be ending at the end of the month too.
Any opinions on whether I should do the Chase Ink and another personal citi (under my wife)? I don't think I can make the 10k spend for the executive along with the 8k from the Ink and Personal Citi card. Do these deals come around often or should I forgo the Ink for the Executive?
Any opinions on whether I should do the Chase Ink and another personal citi (under my wife)? I don't think I can make the 10k spend for the executive along with the 8k from the Ink and Personal Citi card. Do these deals come around often or should I forgo the Ink for the Executive?
The Executive 100k is a special offer. When it expires it will likely go back to the base offer which I think is 30k or a mid special offer of 60k. When the 60k Ink expires it will revert to 50k. It is much easier to make up that 10k with spend category charges on the Ink than the Executive in my opinion.
I've considered the same question from the perspective of bureau pulls. While the Executive 100k offer is in place I've reserved ALL my Experian pulls for that offer. I have an Ink Plus and on my last app they pulled both Equifax (normal) and Experian. I don't want to give up the Experian pull for an extra 10k on the Ink Plus app. I'll just get it down the road at 50k again.
Of course if the spend is your sole concern you can get both cards via manufactured spend. See that forum for some ideas.
May 20, 2014, 2:08 pm
#5810
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
Assuming you weren't denied for a card recently, only your two most recent application dates matter at any time. From the wiki:
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.
May 20, 2014, 2:31 pm
#5811
Join Date: May 2013
Posts: 5
Is this a concern for the 2nd Exec card?
"This Citi® / AAdvantage® card offer is only valid for new applicants for a Citi® / AAdvantage® account applied for by May 31, 2014, pursuant to this offer and is not available to existing cardmembers or recent applicants for a Citi® / AAdvantage® credit card. "
"This Citi® / AAdvantage® card offer is only valid for new applicants for a Citi® / AAdvantage® account applied for by May 31, 2014, pursuant to this offer and is not available to existing cardmembers or recent applicants for a Citi® / AAdvantage® credit card. "
May 20, 2014, 2:42 pm
#5812
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
Is this a concern for the 2nd Exec card?
"This Citi® / AAdvantage® card offer is only valid for new applicants for a Citi® / AAdvantage® account applied for by May 31, 2014, pursuant to this offer and is not available to existing cardmembers or recent applicants for a Citi® / AAdvantage® credit card. "
"This Citi® / AAdvantage® card offer is only valid for new applicants for a Citi® / AAdvantage® account applied for by May 31, 2014, pursuant to this offer and is not available to existing cardmembers or recent applicants for a Citi® / AAdvantage® credit card. "
May 20, 2014, 2:57 pm
#5813
Join Date: Jul 2013
Programs: SPG Gold/HH Diamond/CC Gold/Hyatt Explorist
Posts: 310
May 20, 2014, 3:17 pm
#5814
Join Date: Mar 2014
Location: OC/LAX
Posts: 376
Ugh just got my newest card in the mail and the statement closes tomorrow ...
All my other cards had at least 2 weeks before the statement closed. The AF better post on the next statement.
All my other cards had at least 2 weeks before the statement closed. The AF better post on the next statement.
May 20, 2014, 3:18 pm
#5815
Join Date: Apr 2011
Posts: 567
May31 is the 59th day for me. Not sure if the deal will die. Should I take my chances and apply?
May 20, 2014, 6:32 pm
#5816
Join Date: Nov 2010
Posts: 378
fyi I have an active citi aadvantage card. Applied for and was approved for Exec 100k card and with the card itself was confirmation that I get the 100k miles with 10k spend in three months. Thanks for the info on here, without that i wouldn't have bothered applying.
May 20, 2014, 9:44 pm
#5817
Join Date: Jan 2014
Posts: 113
Applied for card #3 today and called in. Rep said I was approved for $5k, but when I checked my application status online it says $11k. Anyone ever had this happen?
May 20, 2014, 10:57 pm
#5818
Join Date: Apr 2014
Location: NYC
Posts: 111
I would forgo the Ink for the Executive.
The Executive 100k is a special offer. When it expires it will likely go back to the base offer which I think is 30k or a mid special offer of 60k. When the 60k Ink expires it will revert to 50k. It is much easier to make up that 10k with spend category charges on the Ink than the Executive in my opinion.
I've considered the same question from the perspective of bureau pulls. While the Executive 100k offer is in place I've reserved ALL my Experian pulls for that offer. I have an Ink Plus and on my last app they pulled both Equifax (normal) and Experian. I don't want to give up the Experian pull for an extra 10k on the Ink Plus app. I'll just get it down the road at 50k again.
Of course if the spend is your sole concern you can get both cards via manufactured spend. See that forum for some ideas.
The Executive 100k is a special offer. When it expires it will likely go back to the base offer which I think is 30k or a mid special offer of 60k. When the 60k Ink expires it will revert to 50k. It is much easier to make up that 10k with spend category charges on the Ink than the Executive in my opinion.
I've considered the same question from the perspective of bureau pulls. While the Executive 100k offer is in place I've reserved ALL my Experian pulls for that offer. I have an Ink Plus and on my last app they pulled both Equifax (normal) and Experian. I don't want to give up the Experian pull for an extra 10k on the Ink Plus app. I'll just get it down the road at 50k again.
Of course if the spend is your sole concern you can get both cards via manufactured spend. See that forum for some ideas.
I was thinking I couldn't make the min spend if I wanted to avoid the AF. If I do make the spend before the first statement posts, I can cancel within 30 days and get refunded? I'll be taking 2 flights later this year and am wondering if it would be worth it to keep the card for lounge access. Are most people canceling or keeping this card?
May 20, 2014, 11:15 pm
#5819
Join Date: Jan 2014
Location: LAX/BUR
Posts: 525
Thanks for the advice. I thought through this again and will actually get both. I just got the Platinum today so I will wait till next week to apply for the Executive.
I was thinking I couldn't make the min spend if I wanted to avoid the AF. If I do make the spend before the first statement posts, I can cancel within 30 days and get refunded? I'll be taking 2 flights later this year and am wondering if it would be worth it to keep the card for lounge access. Are most people canceling or keeping this card?
I was thinking I couldn't make the min spend if I wanted to avoid the AF. If I do make the spend before the first statement posts, I can cancel within 30 days and get refunded? I'll be taking 2 flights later this year and am wondering if it would be worth it to keep the card for lounge access. Are most people canceling or keeping this card?
May 21, 2014, 7:52 am
#5820
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
You actually have 37 days according to many reports. Some people are keeping. Some people are canceling. All up to you. Everybody has an opinion which you will find if you read a few pages back. Most people I have heard of at least, if they are canceling any cards, have kept at least one. Not everybody, but most I have read.