Sep 24, 2014, 4:20 pm
Last edit by: DenverBrian
The thread was split on September 24, 2014. To review the original thread, click HERE.
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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. 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:
CURRENT PUBLIC OFFER: 50k
"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"
Link A50
Link B50
Link C50
Link D50
Link E50
Link F50
Link G50
PREVIOUS OFFERS
Previous 75k links (NOT WORKING 11/18)
Link A75, Link B75, Link C75, Link D75, Link E75, Link F75, Link G75, Link H75, Link I75, Link J75, Link K75
Landing Page Application Page (Both pages include the 18 month language).
http://www.aa.com/i18n/AAdvantage/ea...-executive.jsp
Option 1: Zombie Link with no Landing Page, Several FTers have been using this link with Success. Application Link 50k with 5k spending
Option 2: [note: may be dead or dying as of 3/16/15- check most recent posts in thread] Current Zombie link Application Link 50K for 5K spending, no statement credit.
Option 3: This Link was obtained off of aa.com at one point Bonus is unknown Application Link.
Option 4: Citi Website Offer; Application has the following warning
"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" There are indeed several reports of people who have already had an EXEC card not receiving any signup bonus miles. And no reports of anyone who has had an EXEC before actually getting any signup bonus at all. Do NOT use this link if you have ever had an EXEC card.
Landing page for New 50K for $5K spending, no statement credit and Application Link
The following are identical to Option 4, but the landing pages were working at the time they were entered into this wiki. All landing pages and application pages have the same content but (slightly) different URLs:
Option 4a: Landing page and Application page
Option 4b:Landing page and Application page
Option 4c: Landing page and Application page
Option 5: Does not have the 18-month language of Option 4, and the application form has the older format (like Option 2 and unlike Option 4).
Landing page for 50K for $5K spending, no statement credit and Application Link
Option 6: Artificially generated links; all lead to old-format application pages just like Options 1/2/5, without the "18 months" language found in Option 4 application pages. No landing page ever existed.
There are reports in the thread that applications using 6a/6d were approved but the UPS letter did not mention a bonus, and Citi telephone agents said there would be no bonus. Other reports say that the bonus was stated in the letter.
6a: Application page
6b: Application page
6c: Application page
6d: Application page
Option 7:The following link is very similar to Options 1/2/5 and has been found to work without an 18-month restriction. Since it does not originate from a landing page, there is no web page showing the bonus offer. However, the UPS letter confirms a 50K-mile bonus after $5K spend, and many people have reported that the bonuses have appeared in their AAdvantage accounts.Application Link Link to application page began dying on 6/1/2015. Now completely dead.
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.
Credit inquiry history
Some have reported more approval success with no more than 5 or 6 Experian inquiries within the last 6 months. And Citi credit reviewers have told some applicants that too many inquiries is a problem, even with an excellent credit score. Multiple inquiries from other banks seem to be especially problematic, because Citi can't see their current balances as easily. Other applicants have been approved with more inquiries, especially with a long term Citi tenure and a favorable income to debt ratio.
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: Many people 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; in practice you have 37 days. 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.
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. Leave a $450 balance and it will be zeroed out.
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
- [3/15] 15,000 bonus miles for spending $5k
- $450 Credit for spending $5k for next three statements
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 two days after your statement closing date. 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.
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.Recently, Citi has been approving Exec cards but not giving the bonus, e.g. when there has been less than 18 months from the previous application. Therefore, (a) use an application link that does not list the 18-month wait requirement; (b) check the letter you get via UPS to see if it explicitly promises the bonus; if it's in the letter, it will be honored (c) if in doubt, call and ask.
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). As of December 2015, authorized users have AC access (but not partner lounge access) even if they are not with the primary card holder.
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
Information on new authorized user AC lounge access: Citi Authorized User Admirals Club Benefit Terms
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 (as low as 1k on some accounts YYMV)
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-...-benefits.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. 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:
CURRENT PUBLIC OFFER: 50k
"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"
Link A50
Link B50
Link C50
Link D50
Link E50
Link F50
Link G50
PREVIOUS OFFERS
Previous 75k links (NOT WORKING 11/18)
Landing Page Application Page (Both pages include the 18 month language).
http://www.aa.com/i18n/AAdvantage/ea...-executive.jsp
Option 4: Citi Website Offer; Application has the following warning
"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" There are indeed several reports of people who have already had an EXEC card not receiving any signup bonus miles. And no reports of anyone who has had an EXEC before actually getting any signup bonus at all. Do NOT use this link if you have ever had an EXEC card.
The following are identical to Option 4, but the landing pages were working at the time they were entered into this wiki. All landing pages and application pages have the same content but (slightly) different URLs:
Option 4a: Landing page and Application page
Option 4b:
Option 4c: Landing page and Application page
Landing page for 50K for $5K spending, no statement credit and Application Link
Option 6: Artificially generated links; all lead to old-format application pages just like Options 1/2/5, without the "18 months" language found in Option 4 application pages. No landing page ever existed.
There are reports in the thread that applications using 6a/6d were approved but the UPS letter did not mention a bonus, and Citi telephone agents said there would be no bonus. Other reports say that the bonus was stated in the letter.
6a: Application page
6c: Application page
6d: Application page
Option 7:The following link is very similar to Options 1/2/5 and has been found to work without an 18-month restriction. Since it does not originate from a landing page, there is no web page showing the bonus offer. However, the UPS letter confirms a 50K-mile bonus after $5K spend, and many people have reported that the bonuses have appeared in their AAdvantage accounts.
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.
Credit inquiry history
Some have reported more approval success with no more than 5 or 6 Experian inquiries within the last 6 months. And Citi credit reviewers have told some applicants that too many inquiries is a problem, even with an excellent credit score. Multiple inquiries from other banks seem to be especially problematic, because Citi can't see their current balances as easily. Other applicants have been approved with more inquiries, especially with a long term Citi tenure and a favorable income to debt ratio.
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: Many people 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; in practice you have 37 days. 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.
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. Leave a $450 balance and it will be zeroed out.
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
- [3/15] 15,000 bonus miles for spending $5k
- $450 Credit for spending $5k for next three statements
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 two days after your statement closing date. 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.
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)
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
Information on new authorized user AC lounge access: Citi Authorized User Admirals Club Benefit Terms
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 (as low as 1k on some accounts YYMV)
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-...-benefits.html
Citi AA Executive [Late 2014 - 2015]
Apr 2, 2015, 12:52 pm
#2521
Join Date: May 2014
Location: SoCal
Posts: 2,164
Apr 2, 2015, 2:31 pm
#2522
Join Date: Apr 2015
Posts: 3
Sigh. I'm waxing A bit nostalgic right now. It's the end of a wild and crazy era for our family today. This morning, the last points from our 17, well, I'll just call them our Exec "Statement Credit" cards posted! 15 100k, 2 60s. 5 of them we kept for lounge access, the rest we cancelled. 12 AF refunds! Same form SM reply each time! I'm really jonesing for some Etihad suites action right about now...
Apr 2, 2015, 4:20 pm
#2523
Join Date: Aug 2013
Location: PHX
Programs: AA Plat / OW Sapphire / Hyatt Diamond / Hilton Diamond
Posts: 72
Thought I got faked out today when UPS showed up and all that was in the envelope was the acceptance letter. I kept shaking it looking for the card. An hour or so later FedEx shows up with the card in the pull out box. Just charged enough to make the minimum. That was an easy free 50k miles 
Apr 2, 2015, 4:24 pm
#2524
Join Date: Dec 2004
Posts: 5,632
Can I ask how you meet minimum spend so quickly? If you just normally spend that much, then I understand. But if you have other ways of doing it, I'd love to hear them, since we only usually spend about 2.5k/mo. and we're trying to get a family of 8 to England next summer!
Apr 2, 2015, 6:07 pm
#2525
Join Date: Mar 2013
Location: NYC
Programs: AAdvantage, UA Mileage Plus, IHG Rewards Club
Posts: 379
Hey guys! I read the Wiki and the past few pages, and I'm trying hard to understand when exactly I should make the payment.
I got the AA Exec card yesterday and completed the minimum spend today. Should I wait till the transactions move out of their current pending status, or can I already make the payment now (I'm intending to push payment from my bank)? I'm trying to avoid paying the AF, and I think my statement is closing in 5 days' time.
Thanks!
I got the AA Exec card yesterday and completed the minimum spend today. Should I wait till the transactions move out of their current pending status, or can I already make the payment now (I'm intending to push payment from my bank)? I'm trying to avoid paying the AF, and I think my statement is closing in 5 days' time.
Thanks!
Last edited by Quarantine; Apr 2, 2015 at 6:46 pm
Apr 2, 2015, 7:04 pm
#2526
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
@Quarantine - any time is fine. Paying before the statement closes should help maintain low utilization reported to the credit bureaus.
Apr 2, 2015, 10:38 pm
#2527
Join Date: Aug 2013
Location: PHX
Programs: AA Plat / OW Sapphire / Hyatt Diamond / Hilton Diamond
Posts: 72
Hey guys! I read the Wiki and the past few pages, and I'm trying hard to understand when exactly I should make the payment.
I got the AA Exec card yesterday and completed the minimum spend today. Should I wait till the transactions move out of their current pending status, or can I already make the payment now (I'm intending to push payment from my bank)? I'm trying to avoid paying the AF, and I think my statement is closing in 5 days' time.
Thanks!
I got the AA Exec card yesterday and completed the minimum spend today. Should I wait till the transactions move out of their current pending status, or can I already make the payment now (I'm intending to push payment from my bank)? I'm trying to avoid paying the AF, and I think my statement is closing in 5 days' time.
Thanks!
Apr 3, 2015, 9:30 am
#2528
Join Date: Jun 2014
Programs: 747 Upper Deck QF J LAX-BNE; A380 SQ SuiteC+D SYD-SIN & SIN-HKG; 777 CX F HKG-JFK; Park Hyatt Sydney
Posts: 513
Thanks Brugge! I'll try for her again on Friday and see what happens. Perhaps the CL will be recycled enough by then for an auto approval.
Any other thoughts in the meantime from anyone about what generated the 4506-T will be appreciated. I am also quite curious to hear about personal experiences in applying for more Citi cards after a 4506-T request and its associated application have been abandoned.
Any other thoughts in the meantime from anyone about what generated the 4506-T will be appreciated. I am also quite curious to hear about personal experiences in applying for more Citi cards after a 4506-T request and its associated application have been abandoned.
Well it's Friday and I got to step 5 again for her even though step three gave the same message.Thank you. We have received your application and further processing is required at this time. You may check back in 24 hours to see if a decision has been determined. We will contact you within 1 week via mail/email regarding our decision. Thank you for requesting a Citi® / AAdvantage® Executive.
Step 5 again gave the same "Thank you for choosing Citi and welcome to your new Citi Executive® / AAdvantage® World EliteTM MasterCard®!" message.
This time I put just her pay in the income box and added mine separately in the additional income box so if there is a 4506-T request on this app, there won't be any discrepancies.
I guess I'll have her call in and report back.
Last edited by Ed Janowsky; Apr 3, 2015 at 9:45 am
Apr 3, 2015, 10:43 am
#2529
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
Can I ask how you meet minimum spend so quickly? If you just normally spend that much, then I understand. But if you have other ways of doing it, I'd love to hear them, since we only usually spend about 2.5k/mo. and we're trying to get a family of 8 to England next summer!
http://www.flyertalk.com/forum/manuf...015-a-311.html
Apr 3, 2015, 5:50 pm
#2530
Join Date: Feb 2013
Location: DCA
Posts: 7,769
Well it's Friday and I got to step 5 again for her even though step three gave the same message.Thank you. We have received your application and further processing is required at this time. You may check back in 24 hours to see if a decision has been determined. We will contact you within 1 week via mail/email regarding our decision. Thank you for requesting a Citi® / AAdvantage® Executive.
Step 5 again gave the same "Thank you for choosing Citi and welcome to your new Citi Executive® / AAdvantage® World EliteTM MasterCard®!" message.
This time I put just her pay in the income box and added mine separately in the additional income box so if there is a 4506-T request on this app, there won't be any discrepancies.
I guess I'll have her call in and report back.
I think that all of this obsession with inquiries and this and that is overrated. They want to know how much money you make. Perfectly reasonable request in my simple mind - they're the ones handing out cash and miles. So I showed them, and they've not given me a bit of trouble since.
That said, I have never gotten an auto-approval from Citi that I can recall, though - I always have to do a step 3/step 5 call to the nice lady in South Dakota who then immediately says she can "unfortunately only approve [me] for $5000"...
Apr 3, 2015, 7:32 pm
#2531
Join Date: Feb 2013
Location: San Antonio
Programs: AS MVP
Posts: 2,276
@arlflyer ^^
Apr 3, 2015, 10:32 pm
#2532
Join Date: Jun 2014
Programs: 747 Upper Deck QF J LAX-BNE; A380 SQ SuiteC+D SYD-SIN & SIN-HKG; 777 CX F HKG-JFK; Park Hyatt Sydney
Posts: 513
I think that all of this obsession with inquiries and this and that is overrated. They want to know how much money you make. Perfectly reasonable request in my simple mind - they're the ones handing out cash and miles. So I showed them, and they've not given me a bit of trouble since.
The uncertainty is submitting a 4506-T for an app that shows her x income + my 10x income in the one income box because it says that's OK since she has reasonable access to my 10x income to pay the debt. Her individual return will definitely not show 11x, and I can't imagine a scenario in which that looks good. Which is why, on the day 9 app, I put x in the income box and 10x in the additional income box so that when I do submit the 4506-T, the income box will match that return.
Is it a perfectly reasonable request as you state? Absolutely! And thank you by the way for sharing your actual 4506-T experience. I greatly appreciate it! But how do you feel now about my concern regarding the inquiry being overrated? Would you or any others out there feel comfortable giving the computer software program/code we call Citi a transcript of a tax return that shows ~91% less income than the app submitted???
Last edited by Ed Janowsky; Apr 3, 2015 at 11:24 pm
Apr 4, 2015, 2:02 am
#2533
Join Date: Apr 2000
Location: HNL,HI,USA
Posts: 256
After 36 approvals in 26 months, my only obsession is with more free travel!
The uncertainty is submitting a 4506-T for an app that shows her x income + my 10x income in the one income box because it says that's OK since she has reasonable access to my 10x income to pay the debt. Her individual return will definitely not show 11x, and I can't imagine a scenario in which that looks good. Which is why, on the day 9 app, I put x in the income box and 10x in the additional income box so that when I do submit the 4506-T, the income box will match that return.
Is it a perfectly reasonable request as you state? Absolutely! And thank you by the way for sharing your actual 4506-T experience. I greatly appreciate it! But how do you feel now about my concern regarding the inquiry being overrated? Would you or any others out there feel comfortable giving the computer software program/code we call Citi a transcript of a tax return that shows ~91% less income than the app submitted???
The uncertainty is submitting a 4506-T for an app that shows her x income + my 10x income in the one income box because it says that's OK since she has reasonable access to my 10x income to pay the debt. Her individual return will definitely not show 11x, and I can't imagine a scenario in which that looks good. Which is why, on the day 9 app, I put x in the income box and 10x in the additional income box so that when I do submit the 4506-T, the income box will match that return.
Is it a perfectly reasonable request as you state? Absolutely! And thank you by the way for sharing your actual 4506-T experience. I greatly appreciate it! But how do you feel now about my concern regarding the inquiry being overrated? Would you or any others out there feel comfortable giving the computer software program/code we call Citi a transcript of a tax return that shows ~91% less income than the app submitted???
Apr 4, 2015, 8:55 am
#2534
Join Date: Feb 2013
Location: DCA
Posts: 7,769
After 36 approvals in 26 months, my only obsession is with more free travel!
The uncertainty is submitting a 4506-T for an app that shows her x income + my 10x income in the one income box because it says that's OK since she has reasonable access to my 10x income to pay the debt. Her individual return will definitely not show 11x, and I can't imagine a scenario in which that looks good. Which is why, on the day 9 app, I put x in the income box and 10x in the additional income box so that when I do submit the 4506-T, the income box will match that return.
Is it a perfectly reasonable request as you state? Absolutely! And thank you by the way for sharing your actual 4506-T experience. I greatly appreciate it! But how do you feel now about my concern regarding the inquiry being overrated? Would you or any others out there feel comfortable giving the computer software program/code we call Citi a transcript of a tax return that shows ~91% less income than the app submitted???
The uncertainty is submitting a 4506-T for an app that shows her x income + my 10x income in the one income box because it says that's OK since she has reasonable access to my 10x income to pay the debt. Her individual return will definitely not show 11x, and I can't imagine a scenario in which that looks good. Which is why, on the day 9 app, I put x in the income box and 10x in the additional income box so that when I do submit the 4506-T, the income box will match that return.
Is it a perfectly reasonable request as you state? Absolutely! And thank you by the way for sharing your actual 4506-T experience. I greatly appreciate it! But how do you feel now about my concern regarding the inquiry being overrated? Would you or any others out there feel comfortable giving the computer software program/code we call Citi a transcript of a tax return that shows ~91% less income than the app submitted???
Apr 4, 2015, 11:00 am
#2535
Join Date: Jan 2012
Location: Paris
Posts: 235
bad news: "I am looking at the notations on your account and because in the last 18 months you have signed up and canceled quite..." -csr
I cut off and said thanks
I used option 5, did not get my points. Always maintain a very low profile with Citi. Asked, if the csr could confirm if I was going to receive a signup bonus and got the above.
I am hoping this is an anomaly. I have another option 5 due for my 50k signup bonus in a week. Obviously, I am not going to call in and ask. I will hope for the best. It seems like I am the only one in this camp, so its reassuring.
I cut off and said thanks
I used option 5, did not get my points. Always maintain a very low profile with Citi. Asked, if the csr could confirm if I was going to receive a signup bonus and got the above.
I am hoping this is an anomaly. I have another option 5 due for my 50k signup bonus in a week. Obviously, I am not going to call in and ask. I will hope for the best. It seems like I am the only one in this camp, so its reassuring.