Citi AA Platinum, Gold and Business cards (2015)
#751
Join Date: Jun 2013
Posts: 59
For either of the Business links (#5, #8a/b), you should *not* have an open/active Business card (and, possibly, Master account). Is that correct? Reading the last few months of posts, I think I only saw one person that said they had an open Biz card when they applied for another...
#752
Join Date: Apr 2011
Posts: 2,055
For either of the Business links (#5, #8a/b), you should *not* have an open/active Business card (and, possibly, Master account). Is that correct? Reading the last few months of posts, I think I only saw one person that said they had an open Biz card when they applied for another...
#753
Join Date: May 2013
Posts: 747
YMMV. See the wiki discussing churning business applications. There are three groups of cardholders: those who can get repeated business cards with open cards, those who can get repeated business cards only if all previous business accounts and cards are closed, and those who can only ever get one business card.
#755
Join Date: Apr 2011
Posts: 2,055
I need to update the Wiki now that we know a little more but the 18-month rule seems to be limited to cards of the same type and level. So a Gold MC does not affect a Platinum MC, and a Visa would affect neither.
#756
Join Date: Mar 2011
Posts: 349
Me & Parents , 3 for 3
AA Personal Platinum Visa 03/07/2012 Open
AA Business Platinum Visa 03/07/2012 Open / Closed on 03/2013
AA Personal Platinum MC 10/07/2013 Open
AA Business Platinum Visa 10/07/2013 Open / Closed on 10/2014
AA Business Platinum Visa 03/10/2015 Open
AA Personal Platinum Visa 03/07/2012 Open
AA Business Platinum Visa 03/07/2012 Open / Closed on 03/2013
AA Personal Platinum MC 10/07/2013 Open
AA Business Platinum Visa 10/07/2013 Open / Closed on 10/2014
AA Business Platinum Visa 03/10/2015 Open
Last edited by superking; Mar 10, 2015 at 6:36 pm
#757
Join Date: May 2013
Posts: 747
Me & Parents , 3 for 3
AA Personal Platinum Visa 03/07/2012 Open
AA Business Platinum Visa 03/07/2012 Open / Closed on 03/2012
AA Personal Platinum MC 10/07/2013 Open
AA Business Platinum Visa 10/07/2013 Open / Closed on 10/2014
AA Business Platinum Visa 03/10/2015 Open
AA Personal Platinum Visa 03/07/2012 Open
AA Business Platinum Visa 03/07/2012 Open / Closed on 03/2012
AA Personal Platinum MC 10/07/2013 Open
AA Business Platinum Visa 10/07/2013 Open / Closed on 10/2014
AA Business Platinum Visa 03/10/2015 Open
#758
FlyerTalk Evangelist
Join Date: Apr 2002
Location: Madison, WI, USA
Posts: 14,162
Every time I logged on to the Citi AA web site I saw the 50,000 mile offer for the AA MC, and today I decided to click on it, even though I have two already and the last one was approved on 6 Oct., 2014. I filled out the application and got an application pending message with a phone # to call and an app ID. So I called and was offered a $1500 CL but was able to transfer $2000 from my AA AmEx to make it $3500.
I think I just blew a hole in the 18-month rule. Here is my application history for AA cards:
A long time ago -- AA Gold Visa
Citi AA Select Amex 18/MR/13
Citi AA Platinum Visa 14/MY/13
Citi AA Platinum Select MC 06/JN/13
Citi AA Platinum Visa 23/JL/13
Citi AA Platinum Visa 08/AU/13
Citi AA Platinum Visa 25/AU/13 rejected
Citi AA Business MC 11/SE/13 rejected
Citi AA Platinum Select MC 26/SE/13 no response
Citi Executive AAdvantage MC 28/JA/14 rejected
Citi AA Business MC 17/MR/14
Citi AA Platinum Select MC 06/OC/14
Citi AA Platinum Select MC 10/MR/15
I'm currently at 3 Visas, 3 MCs, 1 business MC, 1 AmEx and 1 Gold Visa.
I've been getting Citi Hilton cards, too. The last one was 24/FE/15.
I think I just blew a hole in the 18-month rule. Here is my application history for AA cards:
A long time ago -- AA Gold Visa
Citi AA Select Amex 18/MR/13
Citi AA Platinum Visa 14/MY/13
Citi AA Platinum Select MC 06/JN/13
Citi AA Platinum Visa 23/JL/13
Citi AA Platinum Visa 08/AU/13
Citi AA Platinum Visa 25/AU/13 rejected
Citi AA Business MC 11/SE/13 rejected
Citi AA Platinum Select MC 26/SE/13 no response
Citi Executive AAdvantage MC 28/JA/14 rejected
Citi AA Business MC 17/MR/14
Citi AA Platinum Select MC 06/OC/14
Citi AA Platinum Select MC 10/MR/15
I'm currently at 3 Visas, 3 MCs, 1 business MC, 1 AmEx and 1 Gold Visa.
I've been getting Citi Hilton cards, too. The last one was 24/FE/15.
#759
Join Date: Dec 2004
Posts: 5,631
Yes.
I think many people still understandably have trouble comprehending that YMMV with Citi. There is a natural urge to find patterns and logic, to interpret the specific wording on the web page, etc. Unfortunately, just as the phone reps will make stuff up, the reasons in the rejection notices are just made up (in the sense that others in the same situation will be approved).
Unfortunately, the only way to know what will work for you is to do your own 'experiments' by applying. It does seem to be that (in general) what works or does not work for you will continue to work / not work for you; but it is not a predictor of what will/won't work for others.
In particular, all this parsing of the web page language is useless. Just because it says "card" here but "Mastercard" there, etc., "18 months" here but not there, doesn't mean a whole lot.
What makes Citi treat some people better than others? We don't know, but I would guess that it depends not just on FICO score but also total income, history with Citi, etc. Yesterday, when I activated my n-th Exec card, the recording thanked me 'for continuing to choose Citi'. It is to laugh.
I think many people still understandably have trouble comprehending that YMMV with Citi. There is a natural urge to find patterns and logic, to interpret the specific wording on the web page, etc. Unfortunately, just as the phone reps will make stuff up, the reasons in the rejection notices are just made up (in the sense that others in the same situation will be approved).
Unfortunately, the only way to know what will work for you is to do your own 'experiments' by applying. It does seem to be that (in general) what works or does not work for you will continue to work / not work for you; but it is not a predictor of what will/won't work for others.
In particular, all this parsing of the web page language is useless. Just because it says "card" here but "Mastercard" there, etc., "18 months" here but not there, doesn't mean a whole lot.
What makes Citi treat some people better than others? We don't know, but I would guess that it depends not just on FICO score but also total income, history with Citi, etc. Yesterday, when I activated my n-th Exec card, the recording thanked me 'for continuing to choose Citi'. It is to laugh.
#760
Join Date: Feb 2003
Posts: 8,135
Every time I logged on to the Citi AA web site I saw the 50,000 mile offer for the AA MC, and today I decided to click on it, even though I have two already and the last one was approved on 6 Oct., 2014. I filled out the application and got an application pending message with a phone # to call and an app ID. So I called and was offered a $1500 CL but was able to transfer $2000 from my AA AmEx to make it $3500.
I think I just blew a hole in the 18-month rule.
Citi AA Platinum Select MC 06/OC/14
Citi AA Platinum Select MC 10/MR/15
I think I just blew a hole in the 18-month rule.
Citi AA Platinum Select MC 06/OC/14
Citi AA Platinum Select MC 10/MR/15
#761
Join Date: Dec 2011
Location: ORD
Posts: 701
I read that Citi didn't use to pull your credit if you weren't eligible for that card. Was your credit pulled?
#764
Join Date: Jun 2011
Posts: 721
Advice please
Both me and my wife were approved for the platinum card today. For the benefit that is linked to this card which is 10% miles that come back to us for redeeming AA miles do we have to pay taxes using this card or can I use my chase Ritz card and claim refund from chase?
#765
Join Date: Feb 2003
Posts: 8,135