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]
Jul 2, 2014, 3:50 pm
#7426
Join Date: Dec 2012
Posts: 73
Another worthless data point. 
Just applied for me and my wife's 4th card each (8 total). We were both asked to call in, move credit around, and then approved.
Just applied for me and my wife's 4th card each (8 total). We were both asked to call in, move credit around, and then approved.
Jul 2, 2014, 4:43 pm
#7427
Join Date: Jan 2014
Posts: 224
Here's a link;
http://www.flyertalk.com/forum/ameri...idated-74.html
Earning miles on returned goods is a violation of the AAdvantage program T&C's according to the link above. In his case it was AA that took the adverse action for earning miles
on returned goods and services.
http://www.flyertalk.com/forum/ameri...idated-74.html
Earning miles on returned goods is a violation of the AAdvantage program T&C's according to the link above. In his case it was AA that took the adverse action for earning miles
on returned goods and services.
Last edited by traveler9020; Jul 2, 2014 at 4:49 pm
Jul 2, 2014, 5:22 pm
#7428
Join Date: Jun 2014
Posts: 57
#1 01/29/2014
#2 04/02/2014
#3 04/23/2014
#4 06/08/2014
Can someone plz tell me if i'm calculating it right? Can i apply for the 5th?
#2 04/02/2014
#3 04/23/2014
#4 06/08/2014
Can someone plz tell me if i'm calculating it right? Can i apply for the 5th?
Jul 2, 2014, 5:37 pm
#7429
Join Date: Dec 2003
Location: NYC
Posts: 6,433
Here's a link;
http://www.flyertalk.com/forum/ameri...idated-74.html
Earning miles on returned goods is a violation of the AAdvantage program T&C's according to the link above. In his case it was AA that took the adverse action for earning miles
on returned goods and services.
http://www.flyertalk.com/forum/ameri...idated-74.html
Earning miles on returned goods is a violation of the AAdvantage program T&C's according to the link above. In his case it was AA that took the adverse action for earning miles
on returned goods and services.
Your link doesn't work for me (unless you meant to go to post 1842), but my recollection of that thread is that AA took action for buying refundable AA tickets without any intention to use them, taking the seats out of inventory. That's not a general return issue.
Chase has been reported to take back miles or points, but Chase isn't Citi.
Jul 2, 2014, 5:39 pm
#7430
Join Date: Jan 2014
Posts: 224
Here's a link to a date calculator;
http://www.timeanddate.com/date/date...am=&aw=&ad=70#
Jul 2, 2014, 5:49 pm
#7431
Join Date: Jan 2014
Posts: 224
Here's a link;
http://www.flyertalk.com/forum/ameri...idated-74.html
Earning miles on returned goods is a violation of the AAdvantage program T&C's according to the link above. In his case it was AA that took the adverse action for earning miles
on returned goods and services.
http://www.flyertalk.com/forum/ameri...idated-74.html
Earning miles on returned goods is a violation of the AAdvantage program T&C's according to the link above. In his case it was AA that took the adverse action for earning miles
on returned goods and services.
The careful reader will note that this is not Citi taking back miles, which was the original claim.
Your link doesn't work for me (unless you meant to go to post 1842), but my recollection of that thread is that AA took action for buying refundable AA tickets without any intention to use them, taking the seats out of inventory. That's not a general return issue.
Chase has been reported to take back miles or points, but Chase isn't Citi.
Your link doesn't work for me (unless you meant to go to post 1842), but my recollection of that thread is that AA took action for buying refundable AA tickets without any intention to use them, taking the seats out of inventory. That's not a general return issue.
Chase has been reported to take back miles or points, but Chase isn't Citi.
And please don't think this is an isolated case. There are numerous reports of adverse actions for refundable tickets and merchandise. I found several with a simple google search.
Jul 2, 2014, 6:16 pm
#7432
Join Date: Jun 2014
Posts: 57
As of today it's been 70 days since your second from last application and you're well past 8 days from your last app. You should be able to apply today. Why are you asking about the 5th?
Here's a link to a date calculator;
http://www.timeanddate.com/date/date...am=&aw=&ad=70#
Here's a link to a date calculator;
http://www.timeanddate.com/date/date...am=&aw=&ad=70#
Jul 2, 2014, 6:30 pm
#7433
Join Date: Dec 2003
Location: NYC
Posts: 6,433
Technically, you're correct but I doubt the person who asked the question really cares if they loose their points as the result of an action from Citi or AA. Sorry the link didn't work for you, I was trying to direct you to post #1096 in the thread.
And please don't think this is an isolated case. There are numerous reports of adverse actions for refundable tickets and merchandise. I found several with a simple google search.
And please don't think this is an isolated case. There are numerous reports of adverse actions for refundable tickets and merchandise. I found several with a simple google search.
I have no doubt Citi would find some way of retaliating if people played games, which would mean it's stupid to deliberately make a large purchase, wait for miles to post and then return the item. The issue here is what Citi would do if an unplanned return took you under the limit by a small amount. That's more idle curiosity than anything.
Jul 2, 2014, 8:24 pm
#7434
Join Date: Jan 2014
Posts: 224
I'm aware of numerous reports of AA taking adverse action for canceling refundable tickets, for the explicit reason that the seats are taken out of inventory.
I have no doubt Citi would find some way of retaliating if people played games, which would mean it's stupid to deliberately make a large purchase, wait for miles to post and then return the item. The issue here is what Citi would do if an unplanned return took you under the limit by a small amount. That's more idle curiosity than anything.
I have no doubt Citi would find some way of retaliating if people played games, which would mean it's stupid to deliberately make a large purchase, wait for miles to post and then return the item. The issue here is what Citi would do if an unplanned return took you under the limit by a small amount. That's more idle curiosity than anything.
Jul 2, 2014, 9:14 pm
#7436
Join Date: Jan 2014
Posts: 224
If you have, please let us know.
Jul 2, 2014, 10:38 pm
#7437
Join Date: Feb 2014
Posts: 123
I asked Citi about converting my Exec to a Prestige and was also told "No". I just asked out of curiosity. My actual travel needs would make such a conversion impractical. I've not seen any reports from anyone confirming that they were able to make convert an Exec to a Prestige. Have you?
If you have, please let us know.
If you have, please let us know.
Jul 2, 2014, 10:48 pm
#7438
Join Date: Jan 2014
Posts: 201
Card #1: 1/31
Card #2: 3/2
Card #3: 5/11
All cards above were approved after recon calls.
Then:
Card #4: 7/2 ==> denied, the rep said "too many inquiries".
Why it was denied? Can someone please tell me if I'm calculating it right? When can I apply for the 4th now that I had a wasted hard pull on 7/2?
Card #2: 3/2
Card #3: 5/11
All cards above were approved after recon calls.
Then:
Card #4: 7/2 ==> denied, the rep said "too many inquiries".
Why it was denied? Can someone please tell me if I'm calculating it right? When can I apply for the 4th now that I had a wasted hard pull on 7/2?
Jul 2, 2014, 10:50 pm
#7439
Join Date: Mar 2014
Location: OC/LAX
Posts: 376
Card #1: 1/31
Card #2: 3/2
Card #3: 5/11
All cards above were approved after recon calls.
Then:
Card #4: 7/2 ==> denied, the rep said "too many inquiries".
Why it was denied? Can someone please tell me if I'm calculating it right? When can I apply for the 4th now that I had a wasted hard pull on 7/2?
Card #2: 3/2
Card #3: 5/11
All cards above were approved after recon calls.
Then:
Card #4: 7/2 ==> denied, the rep said "too many inquiries".
Why it was denied? Can someone please tell me if I'm calculating it right? When can I apply for the 4th now that I had a wasted hard pull on 7/2?
Jul 3, 2014, 12:03 am
#7440
Formerly known as FTRox87
Join Date: Sep 2012
Location: TX
Programs: AA/US 1M, AS, BA, CX, EK, EY, JL, KE, LH, NH, OS, QF, QR, TG, UA/CO | *$G
Posts: 1,428
I'm aware of numerous reports of AA taking adverse action for canceling refundable tickets, for the explicit reason that the seats are taken out of inventory.
I have no doubt Citi would find some way of retaliating if people played games, which would mean it's stupid to deliberately make a large purchase, wait for miles to post and then return the item. The issue here is what Citi would do if an unplanned return took you under the limit by a small amount. That's more idle curiosity than anything.
I have no doubt Citi would find some way of retaliating if people played games, which would mean it's stupid to deliberately make a large purchase, wait for miles to post and then return the item. The issue here is what Citi would do if an unplanned return took you under the limit by a small amount. That's more idle curiosity than anything.
so even though you're comparing 2 extreme circumstances, I doubt whoever reviews your account knows the backstory and thus will just follow protocol and whatever the system suggests the action that needs to be taken -- which by the rules is if you dont spend the required amount in the required timeframe, you dont get the bonus miles. if they've been awarded, they will get clawed back -- has happened numerous times with all kinda folks reporting not just here but several other forums.
however IIRC, some folks also reported that they were <$50-100 towards their min spend and didnt make the 90 day cutoff. they called, talked to an account specialist and Citi still honored the bonus to keep their business. so perhaps if your refunded charges are indeed minor, maybe Citi will let it slide if you call and let em know (in advance if possible) -- instead of them perceiving it as you pulling a fast one on em.
also if your account is open and in good standing, and you're still well within the min spend timeframe, they might yet let you make up the diff by spending the required balance (perhaps even an added grace period depending on how big the refund was and how much you need to spend to make up the diff) ... but the key is communication and keeping em in the loop.
anyways, no one bookmarks these stories man. I'd have to do the same thing as you to find links -- so go on a searching spree and you'll find a lotta good reading material.
Card #1: 1/31
Card #2: 3/2
Card #3: 5/11
All cards above were approved after recon calls.
Then:
Card #4: 7/2 ==> denied, the rep said "too many inquiries".
Why it was denied? Can someone please tell me if I'm calculating it right? When can I apply for the 4th now that I had a wasted hard pull on 7/2?
Card #2: 3/2
Card #3: 5/11
All cards above were approved after recon calls.
Then:
Card #4: 7/2 ==> denied, the rep said "too many inquiries".
Why it was denied? Can someone please tell me if I'm calculating it right? When can I apply for the 4th now that I had a wasted hard pull on 7/2?
Last edited by FTR 787; Jul 3, 2014 at 12:13 am