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Citi AA Platinum, Gold and Business cards (2015)

Citi AA Platinum, Gold and Business cards (2015)

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Old Dec 29, 15, 6:24 am
  #3691  
 
Join Date: Dec 2015
Posts: 8
Hard pull policy?

I currently have 7 experian hard pulls and 4 Equifax HP's within the past six, and Citi pulls both where I live (Maryland). I'll be good to go on the 8/65 rule in about a month; is the 6 hard pull/six month limit hard and fast? I otherwise have a 750-800 credit score. Does it matter if I apply for the business platinum instead? If the six hp rule is set in stone I suppose I can try in March rather than risking it.
Deceasedhorse is offline  
Old Dec 29, 15, 9:00 am
  #3692  
 
Join Date: Mar 2011
Posts: 138
Originally Posted by Deceasedhorse View Post
I currently have 7 experian hard pulls and 4 Equifax HP's within the past six, and Citi pulls both where I live (Maryland). I'll be good to go on the 8/65 rule in about a month; is the 6 hard pull/six month limit hard and fast? I otherwise have a 750-800 credit score. Does it matter if I apply for the business platinum instead? If the six hp rule is set in stone I suppose I can try in March rather than risking it.
No hard rule. 7 and more might work sometimes.You never know if it will or not. Business Platinum does not make any difference.
boris10475 is offline  
Old Dec 29, 15, 9:48 am
  #3693  
 
Join Date: May 2014
Location: SoCal
Posts: 2,042
Originally Posted by Deceasedhorse View Post
I currently have 7 experian hard pulls and 4 Equifax HP's within the past six, and Citi pulls both where I live (Maryland). I'll be good to go on the 8/65 rule in about a month; is the 6 hard pull/six month limit hard and fast? I otherwise have a 750-800 credit score. Does it matter if I apply for the business platinum instead? If the six hp rule is set in stone I suppose I can try in March rather than risking it.
I got approved several times with 8 and 9 HP, i got denied when i had 10 HP, i think the HP effect is 1 factor in addition to your Credit history, score, debt to line credit, income....etc. you should evaluate your chances and make the best possible decision.
ninim2200 is offline  
Old Dec 29, 15, 1:40 pm
  #3694  
 
Join Date: Aug 2015
Posts: 130
Been lucky that I got a second Citi Platinum AAdvantage Card with the bonus. Am I at risk of getting my other AAdvantage Platinum closed or the new one closed if link the account in my Citi portal?
schrute is offline  
Old Dec 29, 15, 1:47 pm
  #3695  
 
Join Date: Jun 2015
Posts: 50
Originally Posted by schrute View Post
Been lucky that I got a second Citi Platinum AAdvantage Card with the bonus. Am I at risk of getting my other AAdvantage Platinum closed or the new one closed if link the account in my Citi portal?
No. I have had 4 at once.
Flyin2 is offline  
Old Dec 29, 15, 2:56 pm
  #3696  
 
Join Date: Jul 2013
Posts: 1,717
Originally Posted by ninim2200 View Post
I got approved several times with 8 and 9 HP, i got denied when i had 10 HP, i think the HP effect is 1 factor in addition to your Credit history, score, debt to line credit, income....etc.


Approved with 9 several times. Denied with 11. Laid low after the denial for a couple of months while the HPs fell off the 6 month record, and got an instant approval with a huge CL.
RobertHanson is offline  
Old Dec 29, 15, 5:24 pm
  #3697  
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Join Date: Jan 2005
Location: home = LAX
Posts: 23,692
Originally Posted by Deceasedhorse View Post
I currently have 7 experian hard pulls and 4 Equifax HP's within the past six, and Citi pulls both where I live (Maryland). I'll be good to go on the 8/65 rule in about a month; is the 6 hard pull/six month limit hard and fast? I otherwise have a 750-800 credit score. Does it matter if I apply for the business platinum instead? If the six hp rule is set in stone I suppose I can try in March rather than risking it.
The six months is hard and fast. (Except Citi has problems counting time , so give it an extra margin!)

How many hard pulls (within that six months) is the limit is YMMV. In other words, it's some number which is probably hard and fast for you, but that number may be 6 or may be much more, and it may different for you than it is for me.

Ie, IIRC, the denial letter is firm on the six months, but doesn't spell out the count of inquiries (ie, something like "too many inquiries in the past six months"). You have to look at your own credit report(s) to figure out the count of inquiries that caused the denial.

I don't think we've ever heard of this denial being caused by less than 6 inquiries.
sdsearch is offline  
Old Dec 29, 15, 5:55 pm
  #3698  
 
Join Date: Jun 2013
Posts: 491
Added some mostly useless 40K + $100 AA rebate personal and business links. Who knows, maybe someone gets less than 1cpm redemption value and could use them.
aradisc is offline  
Old Dec 29, 15, 6:06 pm
  #3699  
 
Join Date: Jan 2005
Location: Dallas TX and London UK
Programs: AA EXP/2MM - UA 1K - DL SM - SPG/MR LTT+A - Hyatt Glob - IHG Plat - National EE - Sixt Platinum
Posts: 1,262
Expiration for temporary card number?

Was recently approved for the Platinum Select and was given a temporary card number to use on aa.com. Bought one ticket on that same day (went through fine) and tried to buy another ticket a few days ago, although the expiration date keeps getting rejected on this purchase...

Is the temporary card number only available for one-time use, or should it work multiple times up to the temporary limit and expiration date? It still accepts the payment info on aa.com, and only sends me a rejection email a day or two later while the itinerary is being ticketed. Maybe an issue on Citi's backend?

Thanks!

Last edited by SpeedRicer; Dec 29, 15 at 6:14 pm
SpeedRicer is offline  
Old Dec 29, 15, 11:12 pm
  #3700  
 
Join Date: Nov 2010
Location: Florida:)
Programs: AA, HH, SPG, UA
Posts: 263
Somewhat confused, but I think I understand.

I currently have:
-AA Amex
-AA Visa Signature
-AA Platinum Select MC World (on the back on top of the MC logo it says World) opened Apr '15

Now, I would l just have to upgrade the MC to WE and I would be able to apply for another card and still be eligible for the bonus?

And if so which one am I eligible for? Can I upgrade through the phone?

Any insight is much appreciated, thanks!!
express3 is offline  
Old Dec 30, 15, 8:42 am
  #3701  
 
Join Date: Dec 2011
Posts: 222
Is there any way to find out when did you cancel the previous AA card on citi.com ?
My last app was approved on 7/13 but I don't remember when did I close it so that I'm eligible for another one after the 18-month after closed rule ?
ftbargain is offline  
Old Dec 30, 15, 9:02 am
  #3702  
 
Join Date: Jul 2013
Posts: 1,717
Originally Posted by ftbargain View Post
Is there any way to find out when did you cancel the previous AA card on citi.com ?
My last app was approved on 7/13 but I don't remember when did I close it so that I'm eligible for another one after the 18-month after closed rule ?
No experience with Citi, but I had this problem with Chase. I called the number on the back of an open Chase card, and asked the CSR when the other card was cancelled. The CSR didn't want to tell me, and gave various unrelated answers, but I kept asking, and eventually they told me the cancellation date. Worth a try....
RobertHanson is offline  
Old Dec 30, 15, 9:49 am
  #3703  
 
Join Date: May 2011
Programs: Spg Gold, Hilton Diamond, Hyatt Diamond
Posts: 1,483
Originally Posted by express3 View Post
Somewhat confused, but I think I understand.

I currently have:
-AA Amex
-AA Visa Signature
-AA Platinum Select MC World (on the back on top of the MC logo it says World) opened Apr '15

Now, I would l just have to upgrade the MC to WE and I would be able to apply for another card and still be eligible for the bonus?

And if so which one am I eligible for? Can I upgrade through the phone?

Any insight is much appreciated, thanks!!
You can not upgrade the W to WE . only Citi can do that . Read the Wiki .
Do Not Call please .
PETERPNYC is offline  
Old Dec 30, 15, 4:50 pm
  #3704  
 
Join Date: Feb 2012
Posts: 1,682
Originally Posted by express3 View Post
I currently have:
-AA Amex
-AA Visa Signature
-AA Platinum Select MC World (on the back on top of the MC logo it says World) opened Apr '15
You can also apply for the AA Gold MC and get a bonus, if you haven't closed another AA Gold in the last 18 months.
MaxVO is offline  
Old Dec 30, 15, 6:10 pm
  #3705  
 
Join Date: Jan 2015
Posts: 15
I have an old AA Plat MC that was converted from W to WE a few months ago. Recently I applied and was approved for a new AA Plat MC. Is it safe for me to close the old WE card and still get the sign up bonus on the new card?
The wiki says that the W-WE conversion prevents the opening of the card to count toward the 18-month rule, but it doesn't mention specifically about the closing of the WE card. I just want to ask since the WE card annual fee is coming up. Thank you!
codenameXXX is offline  

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