Citi AA Platinum, Gold and Business cards (2015)
Apr 6, 2015, 6:20 pm
#976
Join Date: Oct 2011
Location: North Carolina
Posts: 613
If only Citi CSRs knew what they are talking about.
It seems to me that in the distant past I read that you needed to wait 60+ days after a denial. But I'm not totally sure that was correct then, much less still correct now.
The other question is when is an app an app? I'm wondering if an app is instantly denied for being within "60 days", and no HP is even done, is that an actual app for 8/65 purposes? Or are only apps that have an inquiry done, and the app processed actually considered an app? Anyone have an data points on this?
It seems to me that in the distant past I read that you needed to wait 60+ days after a denial. But I'm not totally sure that was correct then, much less still correct now.
The other question is when is an app an app? I'm wondering if an app is instantly denied for being within "60 days", and no HP is even done, is that an actual app for 8/65 purposes? Or are only apps that have an inquiry done, and the app processed actually considered an app? Anyone have an data points on this?
Since she got an app ID I am assuming that it was actually an app and she will have to wait several weeks before the next app.
She will contact Citi in a few days and see if the denied app can be resurrected and approved.
Apr 6, 2015, 6:28 pm
#977
Join Date: Nov 2014
Posts: 185
JATR4, Thank you for your reply.
I have one more question. Say I got the card and added my wife as a co-user. Then later she applies for her own credit card. At that time what should she do with the exting co-user card? Should she cancel it before applying on her own or just leave it?
Thank you.
Michaelmorio
I have one more question. Say I got the card and added my wife as a co-user. Then later she applies for her own credit card. At that time what should she do with the exting co-user card? Should she cancel it before applying on her own or just leave it?
Thank you.
Michaelmorio
Apr 6, 2015, 7:02 pm
#978
Join Date: Oct 2011
Location: North Carolina
Posts: 613
JATR4, Thank you for your reply.
I have one more question. Say I got the card and added my wife as a co-user. Then later she applies for her own credit card. At that time what should she do with the exting co-user card? Should she cancel it before applying on her own or just leave it?
Thank you.
Michaelmorio
I have one more question. Say I got the card and added my wife as a co-user. Then later she applies for her own credit card. At that time what should she do with the exting co-user card? Should she cancel it before applying on her own or just leave it?
Thank you.
Michaelmorio
Apr 6, 2015, 10:28 pm
#979
Join Date: May 2011
Location: Bay Area, CA
Programs: SPG, Hyatt Diamond Member, Club Calrson Silver, AA, Hilton Gold, BA
Posts: 476
So I got my Citi Business card today (that was fast, I think I was approved last wednesday). ANyways, Usually I get a letter first before the actual card arrives from citi telling me about the 50,000 rewards. This Citi Business card that I got, didnt come with an intro letter so I dont know if Im going to get 50k. Anyone else in the same boat?
Apr 7, 2015, 8:23 am
#980
Join Date: Apr 2011
Posts: 2,055
So I got my Citi Business card today (that was fast, I think I was approved last wednesday). ANyways, Usually I get a letter first before the actual card arrives from citi telling me about the 50,000 rewards. This Citi Business card that I got, didnt come with an intro letter so I dont know if Im going to get 50k. Anyone else in the same boat?
Apr 7, 2015, 10:03 am
#981
Join Date: May 2011
Location: Bay Area, CA
Programs: SPG, Hyatt Diamond Member, Club Calrson Silver, AA, Hilton Gold, BA
Posts: 476
AWESOME!! Thank you for the heads up!!!
Apr 7, 2015, 11:51 am
#983
Join Date: Jan 2013
Programs: Hyatt Glb, MR Plat
Posts: 2,577
Does anyone know the lowest credit limit we can reduce to for the Amex and Visa Plat Sig cards?
Apr 7, 2015, 12:56 pm
#986
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
My wife got the instant denial on the Exec card with no app ID. However, she received a letter from Citi today with an app ID and the denial for too many applications (60 day rule).
Since she got an app ID I am assuming that it was actually an app and she will have to wait several weeks before the next app.
She will contact Citi in a few days and see if the denied app can be resurrected and approved.
Since she got an app ID I am assuming that it was actually an app and she will have to wait several weeks before the next app.
She will contact Citi in a few days and see if the denied app can be resurrected and approved.
Apr 7, 2015, 2:15 pm
#987
Join Date: Jan 2013
Programs: Hyatt Glb, MR Plat
Posts: 2,577
I was under the impression any Visa Signature cards had a $5k min? I have a Visa Plat Signature. I know the Biz card is $7k minimum as they denied me to lower it below that.
Apr 7, 2015, 4:21 pm
#988
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
I don't have any Biz cards, so I don't know about that. But I have lowered many a Visa Sig card to $1k before closing them down. No need to take my word for it though. Just send the bank a SM, asking for the CL to be lowered to $1K. If that won't work they will tell you what the limit is. IME $1K.