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 13, 2014, 10:39 am
#7846
Join Date: Nov 2010
Posts: 378
I was approved but rep couldn't confirm bonus, said she had no way of knowing but it would be included with card.
Question: when I receive the card, does the 37 day clock start ticking, or only after I call to activate it? The reason I am asking is that I'm having major roofing work done and I'm going to use that for my spend, but I'm not sure if it will be done and payable within 37 days from this week. Can I wait a week or two to call to activate?
Question: when I receive the card, does the 37 day clock start ticking, or only after I call to activate it? The reason I am asking is that I'm having major roofing work done and I'm going to use that for my spend, but I'm not sure if it will be done and payable within 37 days from this week. Can I wait a week or two to call to activate?
Jul 13, 2014, 10:45 am
#7847
Join Date: Jan 2014
Posts: 565
I was approved but rep couldn't confirm bonus, said she had no way of knowing but it would be included with card.
Question: when I receive the card, does the 37 day clock start ticking, or only after I call to activate it? The reason I am asking is that I'm having major roofing work done and I'm going to use that for my spend, but I'm not sure if it will be done and payable within 37 days from this week. Can I wait a week or two to call to activate?
Question: when I receive the card, does the 37 day clock start ticking, or only after I call to activate it? The reason I am asking is that I'm having major roofing work done and I'm going to use that for my spend, but I'm not sure if it will be done and payable within 37 days from this week. Can I wait a week or two to call to activate?
Jul 13, 2014, 10:51 am
#7848
Join Date: Nov 2010
Posts: 378
I had called for my first card to ask when I had to close it by in order to have the fee cancelled and rep said "37 days" but wouldn't give me a date.
But my first question is "if I receive my card say July 15, can I wait until July 25 to activate it? And does that mean the fee won't be charged to my account until July 25, or is it charged July 15?"
Jul 13, 2014, 10:54 am
#7849
Join Date: Jan 2014
Posts: 565
It's the date when the AF hit your statement that counts. Your card activation date don't matter. Your application date don't matter except that Citi uses that date to set a Statement date.
So let's say you apply 7/13, get the card on 7/16, but not activate it until 7/31. In the meanwhile, the 1st stmt happens on 7/25 with the AF on it. So your 37 day window starts on 7/25.
So let's say you apply 7/13, get the card on 7/16, but not activate it until 7/31. In the meanwhile, the 1st stmt happens on 7/25 with the AF on it. So your 37 day window starts on 7/25.
Jul 13, 2014, 11:11 am
#7850
Join Date: Jul 2014
Posts: 31
Anyone apply for the 75k offer while the 100k was down and try to call in and get the 100k offer? I'll try that today and report back
Jul 13, 2014, 11:19 am
#7851
Join Date: May 2014
Location: SoCal
Posts: 2,164
So you are saying if I call to activate my card June 1 and my first statement CLOSES June 20, then the 37 day clock starts June 20? I would think the $450 is charged June 1 and that's when the clock starts.
I had called for my first card to ask when I had to close it by in order to have the fee cancelled and rep said "37 days" but wouldn't give me a date.
But my first question is "if I receive my card say July 15, can I wait until July 25 to activate it? And does that mean the fee won't be charged to my account until July 25, or is it charged July 15?"
I had called for my first card to ask when I had to close it by in order to have the fee cancelled and rep said "37 days" but wouldn't give me a date.
But my first question is "if I receive my card say July 15, can I wait until July 25 to activate it? And does that mean the fee won't be charged to my account until July 25, or is it charged July 15?"
Annual Membership Fee. If an annual membership fee applies, the Fact Sheet shows it. We will refund this fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is otherwise non-refundable.
we figured out that the deilvery date is calculated as 7 days at citi so its 37 days total
Jul 13, 2014, 11:25 am
#7852
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
If I made a rookie mistake please go easy on me
I need a bit of advice
I was approved for 100k offer with only a 5k credit line.(hey I was just glad to be approved) Knowing from personal experience that it's almost impossible for citi to move credit around I asked if I could just go over my CL by approx 5k and was given permission.
The account is now paid off but not before I guess it reported to the credit agencies that I went over my limit.
I just got an alert on my phone by my credit monitoring service letting me know of the new account opening as well as in the comments section of said card saying "this account is over the limit!". I am freaking out. What will happen if other lenders see that? Is it really serious? And what will happen if I try to apply for new cards in the future? I don't want lenders to misinterpret that and think that I really did max out my card!
PS I did though successfully get the 100k miles which posted to my AA account recently
I need a bit of advice
I was approved for 100k offer with only a 5k credit line.(hey I was just glad to be approved) Knowing from personal experience that it's almost impossible for citi to move credit around I asked if I could just go over my CL by approx 5k and was given permission.
The account is now paid off but not before I guess it reported to the credit agencies that I went over my limit.
I just got an alert on my phone by my credit monitoring service letting me know of the new account opening as well as in the comments section of said card saying "this account is over the limit!". I am freaking out. What will happen if other lenders see that? Is it really serious? And what will happen if I try to apply for new cards in the future? I don't want lenders to misinterpret that and think that I really did max out my card!
PS I did though successfully get the 100k miles which posted to my AA account recently
Jul 13, 2014, 11:27 am
#7853
Join Date: Nov 2010
Location: Florida:)
Programs: AA, HH, SPG, UA
Posts: 269
Called in and shifted credit lines from my last executive card. Call took less than 5 min---usually they put you on hold a couple times--not this time!
I'll confirm the bonus when the card comes, hoping it'll be 100k.
My 8 day wait (did the 60k hilton) was on Thursday and Friday, found out that the 100k link was no longer available--i was soo bummed out
But now i'm all smiles
I'll confirm the bonus when the card comes, hoping it'll be 100k.
My 8 day wait (did the 60k hilton) was on Thursday and Friday, found out that the 100k link was no longer available--i was soo bummed out
But now i'm all smiles
Last edited by express3; Jul 13, 2014 at 11:35 am
Jul 13, 2014, 11:35 am
#7854
Join Date: May 2012
Programs: Delta Plat, UA Plat, Hilton Diamond, SPG Gold
Posts: 258
Thanks op, approved with a 24k line(oh boy for a non Amex I must be doing good in life). Now gotta spend 10k...but I haven't yet confirmed 100k since there was no landing page. Any tips on confirming the offer? Thanks!!
Jul 13, 2014, 11:38 am
#7855
Join Date: Jan 2014
Posts: 565
Send a secured message asking for clarification after you get your card.
Jul 13, 2014, 11:41 am
#7856
Moderator: Travel Buzz
Join Date: Aug 2012
Location: Sunny San Diego
Posts: 3,099
If I made a rookie mistake please go easy on me
I need a bit of advice
I was approved for 100k offer with only a 5k credit line.(hey I was just glad to be approved) Knowing from personal experience that it's almost impossible for citi to move credit around I asked if I could just go over my CL by approx 5k and was given permission.
The account is now paid off but not before I guess it reported to the credit agencies that I went over my limit.
I just got an alert on my phone by my credit monitoring service letting me know of the new account opening as well as in the comments section of said card saying "this account is over the limit!". I am freaking out. What will happen if other lenders see that? Is it really serious? And what will happen if I try to apply for new cards in the future? I don't want lenders to misinterpret that and think that I really did max out my card!
PS I did though successfully get the 100k miles which posted to my AA account recently
I need a bit of advice
I was approved for 100k offer with only a 5k credit line.(hey I was just glad to be approved) Knowing from personal experience that it's almost impossible for citi to move credit around I asked if I could just go over my CL by approx 5k and was given permission.
The account is now paid off but not before I guess it reported to the credit agencies that I went over my limit.
I just got an alert on my phone by my credit monitoring service letting me know of the new account opening as well as in the comments section of said card saying "this account is over the limit!". I am freaking out. What will happen if other lenders see that? Is it really serious? And what will happen if I try to apply for new cards in the future? I don't want lenders to misinterpret that and think that I really did max out my card!
PS I did though successfully get the 100k miles which posted to my AA account recently
Firstly, it's never a good idea to exceed the CL on a brand new card. But, I think you'll be ok.. if you went over the CL, and Citi let the charge go through, and now you've paid it down, then the note that you went over will only be internal. It won't show up on your credit report because they will only report the balance at the close of the billing statement.
Now, will Citi keep a record? Yes, it will most likely show up to the CSR's who are viewing your payment history page. But it will not show up to any non-Citi creditors, like Chase, etc.
I did the same thing with a late payment on one of my new Citi cards. I was traveling and the account was too new to set up a payment before I left. My plan is to just let it age,whilst I make more payments, before I make any more Citi apps, so that the big red "LATE" charge isn't what's at the top of the page.
Jul 13, 2014, 12:02 pm
#7857
Join Date: Dec 2002
Location: New York
Programs: AA Plat 2MM, CX Silver, SPG Gold
Posts: 87
Jul 13, 2014, 12:11 pm
#7859
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Firstly, it's never a good idea to exceed the CL on a brand new card. But, I think you'll be ok.. if you went over the CL, and Citi let the charge go through, and now you've paid it down, then the note that you went over will only be internal. It won't show up on your credit report because they will only report the balance at the close of the billing statement.
Now, will Citi keep a record? Yes, it will most likely show up to the CSR's who are viewing your payment history page. But it will not show up to any non-Citi creditors, like Chase, etc.
I did the same thing with a late payment on one of my new Citi cards. I was traveling and the account was too new to set up a payment before I left. My plan is to just let it age,whilst I make more payments, before I make any more Citi apps, so that the big red "LATE" charge isn't what's at the top of the page.
Now, will Citi keep a record? Yes, it will most likely show up to the CSR's who are viewing your payment history page. But it will not show up to any non-Citi creditors, like Chase, etc.
I did the same thing with a late payment on one of my new Citi cards. I was traveling and the account was too new to set up a payment before I left. My plan is to just let it age,whilst I make more payments, before I make any more Citi apps, so that the big red "LATE" charge isn't what's at the top of the page.
Jul 13, 2014, 12:16 pm
#7860
Join Date: Jun 2012
Location: SFO
Posts: 210
It's the date when the AF hit your statement that counts. Your card activation date don't matter. Your application date don't matter except that Citi uses that date to set a Statement date.
So let's say you apply 7/13, get the card on 7/16, but not activate it until 7/31. In the meanwhile, the 1st stmt happens on 7/25 with the AF on it. So your 37 day window starts on 7/25.
So let's say you apply 7/13, get the card on 7/16, but not activate it until 7/31. In the meanwhile, the 1st stmt happens on 7/25 with the AF on it. So your 37 day window starts on 7/25.