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 30, 2015, 7:34 pm
#3288
Join Date: Jun 2009
Posts: 112
Applied for option 7 and was denied when I called. I had 5 of these cards in the past year and just closed my last one 1 week ago. Also, I did ensure that I waited 65 days.
They wouldn't tell me why I was denied over the phone but did mention the fact that I just closed the same card a few days ago. My credit score is 740 and I had $10,500 limit on my last few card. I also lowered the limit to $5,000 before closing.
I did open a United Chase card yesterday. I wonder if that effected anything. Any tips on what my next move should be? Just wait 65 more days?
They wouldn't tell me why I was denied over the phone but did mention the fact that I just closed the same card a few days ago. My credit score is 740 and I had $10,500 limit on my last few card. I also lowered the limit to $5,000 before closing.
I did open a United Chase card yesterday. I wonder if that effected anything. Any tips on what my next move should be? Just wait 65 more days?
Apr 30, 2015, 9:25 pm
#3289
Join Date: Jul 2011
Location: DCA
Posts: 121
Isnt there something better to talk about?
Apr 30, 2015, 10:01 pm
#3290
Join Date: Jan 2011
Location: MDW
Programs: WN (CP 6x, A+ 2x), Marriott (LT Titanium), Hyatt Explorer, Hertz PC, UA/*A Silver
Posts: 425
Apr 30, 2015, 10:26 pm
#3291
Join Date: Aug 2011
Location: The Phoenix Desert
Programs: Hilton Cubic Zirconia, Marriott Fools Gold
Posts: 1,692
Drat.... got stuck at application received 
I knew I should have just waited until the morning to apply so I could actually speak with a human to get it processed.
I knew I should have just waited until the morning to apply so I could actually speak with a human to get it processed.
Apr 30, 2015, 10:46 pm
#3292
Join Date: Apr 2007
Posts: 1,857
Applied for option 7 and was denied when I called. I had 5 of these cards in the past year and just closed my last one 1 week ago. Also, I did ensure that I waited 65 days.
They wouldn't tell me why I was denied over the phone but did mention the fact that I just closed the same card a few days ago. My credit score is 740 and I had $10,500 limit on my last few card. I also lowered the limit to $5,000 before closing.
I did open a United Chase card yesterday. I wonder if that effected anything. Any tips on what my next move should be? Just wait 65 more days?
They wouldn't tell me why I was denied over the phone but did mention the fact that I just closed the same card a few days ago. My credit score is 740 and I had $10,500 limit on my last few card. I also lowered the limit to $5,000 before closing.
I did open a United Chase card yesterday. I wonder if that effected anything. Any tips on what my next move should be? Just wait 65 more days?
Did you call the number that came up on your application received screen, or one in the wiki, or what?
May 1, 2015, 12:24 am
#3293
Join Date: May 2014
Location: SoCal
Posts: 2,164
Applied for option 7 and was denied when I called. I had 5 of these cards in the past year and just closed my last one 1 week ago. Also, I did ensure that I waited 65 days.
They wouldn't tell me why I was denied over the phone but did mention the fact that I just closed the same card a few days ago. My credit score is 740 and I had $10,500 limit on my last few card. I also lowered the limit to $5,000 before closing.
I did open a United Chase card yesterday. I wonder if that effected anything. Any tips on what my next move should be? Just wait 65 more days?
They wouldn't tell me why I was denied over the phone but did mention the fact that I just closed the same card a few days ago. My credit score is 740 and I had $10,500 limit on my last few card. I also lowered the limit to $5,000 before closing.
I did open a United Chase card yesterday. I wonder if that effected anything. Any tips on what my next move should be? Just wait 65 more days?
May 1, 2015, 12:36 am
#3294
Join Date: Sep 2014
Posts: 143
Not sure if that matters because Citi bases everything out of South Dakota (corp offices, high level call center and recon) so it's a decent assumption that their applications may be out of MST/CST.
May 1, 2015, 1:35 am
#3295
Join Date: May 2015
Posts: 40
Got approved 4/30 using link #7, had to chat with a rep, and verified that I have the 50k after 5k spend bonus. First time applying for exec.
May 1, 2015, 5:30 am
#3296
Join Date: Jan 2014
Posts: 1,269
Need advice about calling recon
So I applied for #9 this morning (day 62) and received: We have received your application and further processing is required at this time. We will contact you within a week via email regarding our decision. Thank you for requesting a Citi® / AAdvantage® Executive® World EliteTM MasterCard®.
Should I call or just wait? If I call, I'm afraid they'll see I have opened and closed the Exec 8 times already and use that as a reason to deny me. But I guess there will be human eyes on my app at this point regardless of what I do.
Between the Exec, the HHonors, the Plat and the Business cards, this is my 16th app with Citi in the last 18 months, and I've been auto approved literally every time before this. I always lower my CL after meeting spend.
Additional information: The only non Citi apps I've had recently have been the 75K Amex Gold Biz in late March and a targeted 5th/3rd that gave me $500 in December. On almost all of my previous Exec apps I've been approved with a $30,500 CL. My last app with Citi was an HHonors card, still open, on 4/4. For that app I only received a $3K credit limit, and I assumed it was because the CL from my previous Exec card hadn't been freed up yet. I thought by now Citi's computers would view me as a safe bet for another large CL approval. Maybe they're still nervous about the Amex business card.
Should I call or just wait? If I call, I'm afraid they'll see I have opened and closed the Exec 8 times already and use that as a reason to deny me. But I guess there will be human eyes on my app at this point regardless of what I do.
Between the Exec, the HHonors, the Plat and the Business cards, this is my 16th app with Citi in the last 18 months, and I've been auto approved literally every time before this. I always lower my CL after meeting spend.
Additional information: The only non Citi apps I've had recently have been the 75K Amex Gold Biz in late March and a targeted 5th/3rd that gave me $500 in December. On almost all of my previous Exec apps I've been approved with a $30,500 CL. My last app with Citi was an HHonors card, still open, on 4/4. For that app I only received a $3K credit limit, and I assumed it was because the CL from my previous Exec card hadn't been freed up yet. I thought by now Citi's computers would view me as a safe bet for another large CL approval. Maybe they're still nervous about the Amex business card.
May 1, 2015, 5:40 am
#3297
Join Date: Jan 2014
Posts: 1,269
The question goes to the 8/65 day rule which is a pretty big deal.
Is this the first time you've been in the thread? Welcome to one of the greatest churning opportunities ever. Many people have churned this card 8-12 times already specifically to get 50K (or 100K or 75K) miles without paying the annual fee.
Is this the first time you've been in the thread? Welcome to one of the greatest churning opportunities ever. Many people have churned this card 8-12 times already specifically to get 50K (or 100K or 75K) miles without paying the annual fee.
May 1, 2015, 6:38 am
#3298
Join Date: Jan 2014
Posts: 1,269
Possible data point on 65 days vs some shorter period
So I applied for #9 this morning (day 62) and received: We have received your application and further processing is required at this time. We will contact you within a week via email regarding our decision. Thank you for requesting a Citi® / AAdvantage® Executive® World EliteTM MasterCard®.
Should I call or just wait? If I call, I'm afraid they'll see I have opened and closed the Exec 8 times already and use that as a reason to deny me. But I guess there will be human eyes on my app at this point regardless of what I do.
Between the Exec, the HHonors, the Plat and the Business cards, this is my 16th app with Citi in the last 18 months, and I've been auto approved literally every time before this. I always lower my CL after meeting spend.
Additional information: The only non Citi apps I've had recently have been the 75K Amex Gold Biz in late March and a targeted 5th/3rd that gave me $500 in December. On almost all of my previous Exec apps I've been approved with a $30,500 CL. My last app with Citi was an HHonors card, still open, on 4/4. For that app I only received a $3K credit limit, and I assumed it was because the CL from my previous Exec card hadn't been freed up yet. I thought by now Citi's computers would view me as a safe bet for another large CL approval. Maybe they're still nervous about the Amex business card.
Should I call or just wait? If I call, I'm afraid they'll see I have opened and closed the Exec 8 times already and use that as a reason to deny me. But I guess there will be human eyes on my app at this point regardless of what I do.
Between the Exec, the HHonors, the Plat and the Business cards, this is my 16th app with Citi in the last 18 months, and I've been auto approved literally every time before this. I always lower my CL after meeting spend.
Additional information: The only non Citi apps I've had recently have been the 75K Amex Gold Biz in late March and a targeted 5th/3rd that gave me $500 in December. On almost all of my previous Exec apps I've been approved with a $30,500 CL. My last app with Citi was an HHonors card, still open, on 4/4. For that app I only received a $3K credit limit, and I assumed it was because the CL from my previous Exec card hadn't been freed up yet. I thought by now Citi's computers would view me as a safe bet for another large CL approval. Maybe they're still nervous about the Amex business card.
I called and spoke to a Citi rep in Maryland. She said unfortunately my app was denied because I've exceeded the number of applications Citi will allow within the recent past. But she told me without me asking that there was no hard pull associated with this application.
As I said above, this was day 62 for me. I had been applying on day 65 every time but for my last couple of apps I shortened it based on numerous reports of people having success on day 61, 62 or 63.
Two questions for the board: (1) Should I assume this Citi rep knows the reason my app was denied? They usually just think they know the reason but don't. (2) How long should I wait before applying again? If I tripped over the 65 day rule by applying on day 62, can I apply again in a few days since Citi didn't pull my credit report? Or do I have to wait another 65 days? Or can I call recon again in a few days?
May 1, 2015, 7:17 am
#3299
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Citi must really love me or I must be doing something right. Auto approved once again using option 7
Thanks for keeping wiki current, as I am currently focused harder than ever on my college coursework
(but it eventually should be fun , since ironically I am trying for an accounting or finance degree)
Thanks for keeping wiki current, as I am currently focused harder than ever on my college coursework
(but it eventually should be fun , since ironically I am trying for an accounting or finance degree)
May 1, 2015, 7:22 am
#3300
Join Date: Jul 2013
Location: DFW,OVB (Russia)
Programs: AA HH Gold SPG Gold BA
Posts: 1,823
Update:
I called and spoke to a Citi rep in Maryland. She said unfortunately my app was denied because I've exceeded the number of applications Citi will allow within the recent past. But she told me without me asking that there was no hard pull associated with this application.
As I said above, this was day 62 for me. I had been applying on day 65 every time but for my last couple of apps I shortened it based on numerous reports of people having success on day 61, 62 or 63.
Two questions for the board: (1) Should I assume this Citi rep knows the reason my app was denied? They usually just think they know the reason but don't. (2) How long should I wait before applying again? If I tripped over the 65 day rule by applying on day 62, can I apply again in a few days since Citi didn't pull my credit report? Or do I have to wait another 65 days? Or can I call recon again in a few days?
I called and spoke to a Citi rep in Maryland. She said unfortunately my app was denied because I've exceeded the number of applications Citi will allow within the recent past. But she told me without me asking that there was no hard pull associated with this application.
As I said above, this was day 62 for me. I had been applying on day 65 every time but for my last couple of apps I shortened it based on numerous reports of people having success on day 61, 62 or 63.
Two questions for the board: (1) Should I assume this Citi rep knows the reason my app was denied? They usually just think they know the reason but don't. (2) How long should I wait before applying again? If I tripped over the 65 day rule by applying on day 62, can I apply again in a few days since Citi didn't pull my credit report? Or do I have to wait another 65 days? Or can I call recon again in a few days?
Don't push it,
just put yourself in a routine of waiting s few months between applications it pays off, trust me