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Old Jan 18, 2016, 12:49 pm
FlyerTalk Forums Expert How-Tos and Guides
Last edit by: ninim2200
This thread is a continuation of: Citi AA Executive [Late 2014 - 2015]

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:
"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 24 months"

CURRENT PUBLIC OFFER: 75k

1_ 75k Bonus Landing Page 7.5K Spending in 3 months. Here is the Application Page

2_75k Bonus 7.5K Spending in 3 Months Application Page No Landing Page.

3_75k Bonus 7.5K Spending in 3 Months Application Page No Landing Page.

4_75k Bonus 7.5K Spending in 3 Months Application Page No Landing Page.



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.

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
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
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Citi AA Executive MasterCard [2016-2017]

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Old Jun 2, 2016, 6:49 am
  #46  
 
Join Date: May 2014
Location: SoCal
Posts: 2,164
I have updated the wiki and added the 60k offer, deleted a bunch of the old links.
ninim2200 is offline  
Old Jun 2, 2016, 10:20 am
  #47  
 
Join Date: Sep 2013
Location: IAH
Programs: Marriott Plat, Hyatt Globalist, DL Plat, UA Silver
Posts: 4,043
If I have expiring miles (end of this year) that I earned in the past from an US Airways card which I've cancelled, I can push the expiration date by getting this card right?
TennisNoob is offline  
Old Jun 2, 2016, 10:23 am
  #48  
 
Join Date: Jul 2013
Posts: 1,784
Originally Posted by TennisNoob
If I have expiring miles (end of this year) that I earned in the past from an US Airways card which I've cancelled, I can push the expiration date by getting this card right?
If you are talking about AA miles in your AA account, all you need to extend them by another 18 months is to get one mile added to your account.

Easiest and cheapest way is to purchase something inexpensive thru the shopping portal:

https://www.aadvantageeshopping.com/

It doesn't matter which kind of cc you use, you will get points based on the $ spent and bonus being offered for that store.
RobertHanson is offline  
Old Jun 2, 2016, 11:41 pm
  #49  
 
Join Date: Sep 2013
Location: IAH
Programs: Marriott Plat, Hyatt Globalist, DL Plat, UA Silver
Posts: 4,043
Thanks that should be an easy solution.

But since I'm in for more AA points, if I churn 60k it will help keep my account active for another 18 months right?
TennisNoob is offline  
Old Jun 3, 2016, 6:50 am
  #50  
 
Join Date: May 2014
Location: SoCal
Posts: 2,164
Originally Posted by TennisNoob
Thanks that should be an easy solution.

But since I'm in for more AA points, if I churn 60k it will help keep my account active for another 18 months right?
The answer is yes, but as it was answered above any addition of miles to your account through dinning/shopping will do the same thing.
ninim2200 is offline  
Old Jun 4, 2016, 12:44 am
  #51  
 
Join Date: Apr 2003
Location: Scottsdale AZ
Posts: 728
Citi 24 month rule

My Citi AA exec card is coming up for $450 annual fee renewal. I applied for it June 30, 2014. If I apply for another Citi AA exec card to get the bonus miles before I cancel my old one, I need to wait until after July 1, 2016 to follow the 24 month rule. When should I cancel the one I applied for in 2014? Obviously I want to do it soon enough to avoid the annual fee, but my fear is that if I get approved and get my new card on July 9, and then say cancel July 15, Citi might not give me the bonus miles. Does the 24 month rule of not opening or closing a similar account only apply to the date the new account is open, or until the date the miles are awarded? And how long do I have to cancel the card before the $450 fee on my old card hits? I can meet the spend for the new card very quickly by paying my estimated taxes.
schistosomiasis is offline  
Old Jun 4, 2016, 6:40 am
  #52  
 
Join Date: Apr 2011
Posts: 2,055
Once you are approved, whatever bonus is attached to the card is there, it won't go away because you closed another card.

Last edited by mia; Jun 4, 2016 at 12:52 pm Reason: Housekeeping
IkeEsq is offline  
Old Jun 4, 2016, 8:51 pm
  #53  
 
Join Date: May 2014
Location: SoCal
Posts: 2,164
Originally Posted by schistosomiasis
And how long do I have to cancel the card before the $450 fee on my old card hits? I can meet the spend for the new card very quickly by paying my estimated taxes.
The answer above is correct so i am answering your second question, you have 37 days from the date the AF is posted to your statement to cancel the card and get the fee refunded, this applies for both cards, old and new.
ninim2200 is offline  
Old Jun 5, 2016, 2:19 am
  #54  
 
Join Date: Jun 2011
Posts: 3,529
Wait, so, does lounge access for Authorized Users (not the primary cardholder) only apply when flying AA, ala the Prestige card?
nall is offline  
Old Jun 5, 2016, 3:48 am
  #55  
 
Join Date: Sep 2004
Location: The World!!!
Programs: Some of them not all ...
Posts: 1,532
Originally Posted by nall
Wait, so, does lounge access for Authorized Users (not the primary cardholder) only apply when flying AA, ala the Prestige card?
No, you do not need a boarding pass with this card to enter the club as an AU.
carlitos is offline  
Old Jun 10, 2016, 10:09 pm
  #56  
 
Join Date: Jun 2016
Posts: 6
Originally Posted by ninim2200
what is the question you have about the AF? Nothing has changed in the rules of the AF "you have 37 days after it posts to your statement"
I recently received the card with the T&C, and I don't see any mention of 30 days after the AF posts to get a refund. Was this in the hard copy of the T&C that you saw the mention of 30 days?
cortc is offline  
Old Jun 11, 2016, 5:23 am
  #57  
 
Join Date: May 2014
Location: SoCal
Posts: 2,164
Originally Posted by cortc
I recently received the card with the T&C, and I don't see any mention of 30 days after the AF posts to get a refund. Was this in the hard copy of the T&C that you saw the mention of 30 days?
The annual fee is mentioned in the Cardmember Agreement this is what it says under fees:

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.
"
ninim2200 is offline  
Old Jun 11, 2016, 8:29 am
  #58  
 
Join Date: Jun 2016
Posts: 6
Originally Posted by ninim2200
The annual fee is mentioned in the Cardmember Agreement this is what it says under fees:

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.
"
Thanks for the link ninim. The card agreement I received this week differs from this version. I looked for an online version of the T&C I received and found it listed here: https://www.citicards.com/cards/acq/...screenId=13461

If your Account has an annual membership fee, the Fact Sheet shows this fee. You’ll see this annual fee on your first statement after opening your Account and each year after that. We’ll charge the fee if your Account is open, even if you don’t have a balance


It seems they removed the condition of notification within 30 days. I'm hesitant to actually activate the card if they have made a change in policy. Has anyone been able to speak to someone in Citi for clarification? I might give a call, and try to speak to a supervisor.
cortc is offline  
Old Jun 11, 2016, 11:15 am
  #59  
mia
Moderator
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,959
Originally Posted by cortc
... hesitant to actually activate the card ...
The account is already open. What would you hope to accomplish by not activating?
mia is offline  
Old Jun 11, 2016, 12:37 pm
  #60  
 
Join Date: May 2014
Location: SoCal
Posts: 2,164
Originally Posted by cortc
Thanks for the link ninim. The card agreement I received this week differs from this version. I looked for an online version of the T&C I received and found it listed here: https://www.citicards.com/cards/acq/...screenId=13461

If your Account has an annual membership fee, the Fact Sheet shows this fee. You’ll see this annual fee on your first statement after opening your Account and each year after that. We’ll charge the fee if your Account is open, even if you don’t have a balance


It seems they removed the condition of notification within 30 days. I'm hesitant to actually activate the card if they have made a change in policy. Has anyone been able to speak to someone in Citi for clarification? I might give a call, and try to speak to a supervisor.
you get both papers, the one that you are referencing is a Guide to the card member agreement as shown on the top of it

This Guide will help you easily identify sections of the Card Agreement and give you a brief overview of the contents of each
section. This is not intended to be a complete summary of the Card Agreement’s contents, and we encourage you to read your
entire Card Agreement
, including the arbitration provision, before you use your Account.
ninim2200 is offline  


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