Help...Denied AAdvantage MileUp Credit Card
Jun 6, 2021, 9:51 pm
#1
Original Poster
Join Date: Jun 2021
Programs: American Airlines
Posts: 1
Help...Denied AAdvantage MileUp Credit Card
Hi,
I was denied even though I have a 805 credit score and I am trying to contact AA in order to find out why. All the phone numbers don't let me through to talk to an actual person. Any suggestions would be appreciated regarding what to do next. -Greg
I was denied even though I have a 805 credit score and I am trying to contact AA in order to find out why. All the phone numbers don't let me through to talk to an actual person. Any suggestions would be appreciated regarding what to do next. -Greg
Jun 7, 2021, 5:01 am
#2
Join Date: Nov 2017
Location: CLT
Programs: AA EXP, 2 Million Miler
Posts: 822
Call Citibank, not AA.
Jun 7, 2021, 7:01 am
#3
FlyerTalk Evangelist
Join Date: Feb 2001
Location: RDU <|> MMX
Programs: AA EXP 2MM, SK EBS
Posts: 12,503
Yea, while this is an AA co-branded card getting approved has nothing to do with AA.
Call Citibank, ask over on the Citi forum here, or MyFico forum, etc.
Citi AA Cards
https://www.flyertalk.com/forum/citi...u-rewards-739/
https://ficoforums.myfico.com/
Call Citibank, ask over on the Citi forum here, or MyFico forum, etc.
Citi AA Cards
https://www.flyertalk.com/forum/citi...u-rewards-739/
https://ficoforums.myfico.com/
Jun 7, 2021, 9:15 pm
#4
FlyerTalk Evangelist
Join Date: May 2004
Location: DFW/DAL
Programs: AA Lifetime PLT, AS MVPG, HH Diamond, NCL Platinum Plus, MSC Diamond
Posts: 21,422
When you are denied you get a letter explaining why
Jun 8, 2021, 1:35 pm
#6
FlyerTalk Evangelist
Join Date: May 2004
Location: DFW/DAL
Programs: AA Lifetime PLT, AS MVPG, HH Diamond, NCL Platinum Plus, MSC Diamond
Posts: 21,422
1. Has OP ever had issues with Citibank credit cards?
2. Has OP ever had issues with AA credit?
I have a friend who is able to get other Citi cards, but not AA branded. He said he had a bankrupcy using AA credit and the denial letter mentioned something about this AA credit
So, I suspect there is a difference between an AA branded Citi card and other citi cards
Last edited by mvoight; Jun 8, 2021 at 3:42 pm
Jun 8, 2021, 2:34 pm
#7
Senior Moderator and Moderator: American AAdvantage & TravelBuzz
Join Date: Nov 2007
Location: BOS
Programs: AA EXP, Marriott Titanium
Posts: 10,419
Moving your thread over to the Citibank forum for further discussion. /JY1024, AAdvantage forum co-moderator
Jun 22, 2021, 4:56 pm
#8
Join Date: Mar 2017
Posts: 120
And
1. Has OP ever had issues with Citibank credit cards?
2. Has OP ever had issues with AA credit?
I have a friend who is able to get other Citi cards, but not AA branded. He said he had a bankrupcy using AA credit and the denial letter mentioned something about this AA credit
So, I suspect there is a difference between an AA branded Citi card and other citi cards
1. Has OP ever had issues with Citibank credit cards?
2. Has OP ever had issues with AA credit?
I have a friend who is able to get other Citi cards, but not AA branded. He said he had a bankrupcy using AA credit and the denial letter mentioned something about this AA credit
So, I suspect there is a difference between an AA branded Citi card and other citi cards
Aug 29, 2022, 3:53 am
#10
Join Date: Aug 2022
Posts: 2
Aug 29, 2022, 4:47 am
#11
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,959
If your credit report shows no recent activity on any of your existing card accounts it is common for Citi to decline the application. The activity that they can see is accounts closing with a balance. It's fine if you then pay off the balance in full to avoid finance charges, but if you pay before the statement closes and they all report a zero balance Citi sees only dormant accounts.
Aug 29, 2022, 5:06 am
#12
Join Date: Aug 2022
Posts: 2
If your credit report shows no recent activity on any of your existing card accounts it is common for Citi to decline the application. The activity that they can see is accounts closing with a balance. It's fine if you then pay off the balance in full to avoid finance charges, but if you pay before the statement closes and they all report a zero balance Citi sees only dormant accounts.