Citi AA Platinum, Gold and Business cards (2015)
Jul 30, 2015, 10:29 am
#1951
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,961
Banks know that anyone can obtain an EIN for an imaginary business. No matter how the company is structured you will need to provide your Social Security number on the application, and Citi will see if you have an existing business card and how recently accounts were opened or closed. It's best to think of these as personal accounts for business purposes because they are based on your personal creditworthiness, you are 100% responsible for all the charges (even if made by a partner or employee), but you are giving up many consumer protections.
Jul 30, 2015, 10:32 am
#1952
Join Date: May 2015
Programs: AA EXP
Posts: 46
I recently applied for a platinum card after closing my Executive. My last Platinum closed about 13 months ago, so I am still within the 18-month window...and therefore no automatic bonus miles.
But I wanted to check in and ask if anyone was able to get a bonus offer over the phone, asking them to make an exception, any special circumstances for longtime Citi creditcard holders like me? Granted, the 18-month language is clearly stated in writing, but just wondering if anyone got an exception ever?
But I wanted to check in and ask if anyone was able to get a bonus offer over the phone, asking them to make an exception, any special circumstances for longtime Citi creditcard holders like me? Granted, the 18-month language is clearly stated in writing, but just wondering if anyone got an exception ever?
Jul 30, 2015, 11:59 am
#1953
Join Date: Jul 2015
Posts: 86
Denied For Too Recent Inquiry
New poster but long time luker. I have the 50K AA Personal MC, got it over 60 days ago, and recently applied for the 50K AA Business.
I applied for the 50K AA Business as a sole prop., which in my experience is slightly more difficult as the verifications backend these companies use sometimes trip up matching personal information with business credit scores/information.
What stuck out to me is how ridiculous the application process is with Citi. I was denied & told to wait for Snail Mail. Unsatisfied with this, I called and entered in my app ID, which told me that I was denied because my latest inquiry was too recent.
Surprised and knowing this was not in line with the 60 day rule posted on this forum-I reached out to the supervisor who was almost offended I had not waited for the letter. She told me she didn't know my status and I'd have to wait. After telling her the automated system said I was denied for too recent of an inquiry, she informed me that was not the case but would not tell me why I was actually denied (somehow now she magically knew the details of my denial). She also added that no one should have told me why I was denied.
She said I would have to call the number on the letter, but finished the call saying Citi has no reconsideration line (?) & that they would just confirm there was no error.
Maybe its because I'm young, but I find this whole process antiquated & ridiculous. Why do I need to wait for a physical letter? Its like living in the early 20th century. On top of that, Citi doesn't expedite the shipping its card (a nice touch other companies do-which I understand is going above and beyond). All said and done it will almost 4 weeks to get this card.
Has anyone else had this experience?
I applied for the 50K AA Business as a sole prop., which in my experience is slightly more difficult as the verifications backend these companies use sometimes trip up matching personal information with business credit scores/information.
What stuck out to me is how ridiculous the application process is with Citi. I was denied & told to wait for Snail Mail. Unsatisfied with this, I called and entered in my app ID, which told me that I was denied because my latest inquiry was too recent.
Surprised and knowing this was not in line with the 60 day rule posted on this forum-I reached out to the supervisor who was almost offended I had not waited for the letter. She told me she didn't know my status and I'd have to wait. After telling her the automated system said I was denied for too recent of an inquiry, she informed me that was not the case but would not tell me why I was actually denied (somehow now she magically knew the details of my denial). She also added that no one should have told me why I was denied.
She said I would have to call the number on the letter, but finished the call saying Citi has no reconsideration line (?) & that they would just confirm there was no error.
Maybe its because I'm young, but I find this whole process antiquated & ridiculous. Why do I need to wait for a physical letter? Its like living in the early 20th century. On top of that, Citi doesn't expedite the shipping its card (a nice touch other companies do-which I understand is going above and beyond). All said and done it will almost 4 weeks to get this card.
Has anyone else had this experience?
Jul 30, 2015, 12:54 pm
#1954
Join Date: Mar 2014
Posts: 197
Banks know that anyone can obtain an EIN for an imaginary business. No matter how the company is structured you will need to provide your Social Security number on the application, and Citi will see if you have an existing business card and how recently accounts were opened or closed. It's best to think of these as personal accounts for business purposes because they are based on your personal creditworthiness, you are 100% responsible for all the charges (even if made by a partner or employee), but you are giving up many consumer protections.
Jul 30, 2015, 1:21 pm
#1955
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
I recently applied for a platinum card after closing my Executive. My last Platinum closed about 13 months ago, so I am still within the 18-month window...and therefore no automatic bonus miles.
But I wanted to check in and ask if anyone was able to get a bonus offer over the phone, asking them to make an exception, any special circumstances for longtime Citi creditcard holders like me? Granted, the 18-month language is clearly stated in writing, but just wondering if anyone got an exception ever?
But I wanted to check in and ask if anyone was able to get a bonus offer over the phone, asking them to make an exception, any special circumstances for longtime Citi creditcard holders like me? Granted, the 18-month language is clearly stated in writing, but just wondering if anyone got an exception ever?
Jul 30, 2015, 4:42 pm
#1956
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,774
I recently applied for a platinum card after closing my Executive. My last Platinum closed about 13 months ago, so I am still within the 18-month window...and therefore no automatic bonus miles.
But I wanted to check in and ask if anyone was able to get a bonus offer over the phone, asking them to make an exception, any special circumstances for longtime Citi creditcard holders like me? Granted, the 18-month language is clearly stated in writing, but just wondering if anyone got an exception ever?
But I wanted to check in and ask if anyone was able to get a bonus offer over the phone, asking them to make an exception, any special circumstances for longtime Citi creditcard holders like me? Granted, the 18-month language is clearly stated in writing, but just wondering if anyone got an exception ever?
It was only 5 more months but now you reset the 18 months clock to start anew on your recent application.
Jul 30, 2015, 10:21 pm
#1957
Join Date: Apr 2015
Posts: 12
I applied for my first aa plat on 2/12/15 and was very quickly converted to world elite. Applied again last friday and just received the approval letter, with bonus language.
Jul 31, 2015, 12:23 am
#1958
Join Date: Feb 2011
Location: Los Angeles, CA
Posts: 18
Citi Business 50K?
Hi,
I heard somewhere that there is citi business 50K offer (I believe it is for TY points and it expires on 7/31), however I did a search in the forum and couldn't find it.
Can anyone point me in the right direction?
Thanks,
Ofer
I heard somewhere that there is citi business 50K offer (I believe it is for TY points and it expires on 7/31), however I did a search in the forum and couldn't find it.
Can anyone point me in the right direction?
Thanks,
Ofer
Jul 31, 2015, 2:21 am
#1959
Join Date: May 2015
Posts: 40
Sorry for the late reply to this. No this was my first time. Looking at my records I don't know why I thought to apply the next day. I think I was going through my churn list and didn't think about it. We've closed my wife's business account and will try hers in another month or two.
Jul 31, 2015, 5:48 am
#1961
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,961
Jul 31, 2015, 7:15 am
#1964
Join Date: May 2013
Posts: 747
So I'm very confused. I just applied for and received my 2nd AA World MC (19 months after last AA MC), however from posts on this thread it sounds like I can reapply shortly and receive another 50k card after the first is upgraded to WE MC, correct?
@points traveler - Which link did you do your second application using?
@points traveler - Which link did you do your second application using?
Last edited by nrdk; Jul 31, 2015 at 8:24 am
Jul 31, 2015, 7:55 am
#1965
Join Date: Apr 2015
Posts: 41
Quick question about the 60-day rule (just want to make sure my understanding is correct):
I applied for an AA card on 3/10 and activated it on 3/16
I applied for a Hilton (no-fee) card on 7/8 and activated it on 7/17
I should be fine to apply for the Hilton Reserve card at any time, since it would be the second application in a 60-day window? Or am I understanding it wrong and still need to wait until at least 9/8 to apply for it?
I applied for an AA card on 3/10 and activated it on 3/16
I applied for a Hilton (no-fee) card on 7/8 and activated it on 7/17
I should be fine to apply for the Hilton Reserve card at any time, since it would be the second application in a 60-day window? Or am I understanding it wrong and still need to wait until at least 9/8 to apply for it?