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Changes to Citi AA Executive card July 2023

Changes to Citi AA Executive card July 2023

Old Jul 12, 2023, 9:54 pm
  #31  
 
Join Date: Nov 2007
Location: PHX
Posts: 4,790
So, if you apply today, do you lock in the lower annual fee and AUs for a year? Seems like it has to be yes, since that is what the advertised offer says.

If you value AA miles it would be kind of stupid since the sign up bonus goes up by 50k, but the spend also goes up to $10k. I still can’t see why anyone would do this, but interesting.
lkar is offline  
Old Jul 12, 2023, 10:21 pm
  #32  
dw
 
Join Date: Jun 1999
Location: NYC/LA
Programs: DL Plat, AA Plat Pro, Marriott Titanium, IHG Diamond Amb
Posts: 7,726
Originally Posted by lkar
So, if you apply today, do you lock in the lower annual fee and AUs for a year? Seems like it has to be yes, since that is what the advertised offer says..
Yes; card issuers cant increase AFs during the first 12 months so youll lock in the $450 and any AUs you add right away for the first year
dw is offline  
Old Jul 13, 2023, 6:39 am
  #33  
 
Join Date: Aug 2015
Location: RIC
Programs: AA Exec Plat, Delta Plat, Bonvoy Platinum, Honors Diamond, WOH Globalist
Posts: 126
As someone in the AA ecosystem with both the Executive and Aviator Silver cards and now at about 90k loyalty points in the current year my immediate take on the implications of the changes:
1. Stop spending on this card now. I'm at 23k on the way to 40k (to get the LP boost); this no longer seems necessary. Will focus on Aviator Silver spend to hit it's LP bonus thresholds.
2. At some point in time after July 23rd I should get a 20k LP boost based on my Loyalty point balance. That will be sweet.
3. My annual fee typically posts mid August. As has been speculated, I'm guessing no change to the annual fee or authorized user fee this year, but will kick in next year- we shall see.

Assuming this is correct will definitely renew for this year, and the more difficult decision will be next year. Currently have 5 AU's and if keeping the card will definitely pare down to 3 at the most. Thoughts?
pubsmeister is offline  
Old Jul 13, 2023, 11:23 am
  #34  
 
Join Date: Sep 2011
Programs: Virgin Atlantic Silver, IHG Diamond, Bonvoy Gold, Hilton Diamond, AA Platinum Pro
Posts: 1,391
Originally Posted by lkar
Im not sure why anyone would need both cards, but if you did have them, does that mean that $50k in spend on Barclays would get you to 75,000 lps? And another 15,000 earned gets you to 100,000? Its just weird to think that Citi is going to give you lps for spend on a Barclays card.
Would also love to understand this better+1
moe8555 is offline  
Old Jul 13, 2023, 12:21 pm
  #35  
 
Join Date: Feb 2015
Location: Seattle
Programs: AS
Posts: 2,298
Originally Posted by lkar
So, if you apply today, do you lock in the lower annual fee and AUs for a year? Seems like it has to be yes, since that is what the advertised offer says.

If you value AA miles it would be kind of stupid since the sign up bonus goes up by 50k, but the spend also goes up to $10k. I still cant see why anyone would do this, but interesting.
I applied today and was very surprised to get denial. Applied through my Citi account portal.
I have always received cards applied for, including CSR.
Credit score above 800, I am far below 5/24 card restriction. No hard pulls in the last year.
Response with Denial said they would send email within 15 days with explanation for denial.

I wonder if Citi or AA has put a hold on approvals for this card until the AF increase goes into effect at the end of the month.
pcoll is offline  
Old Jul 13, 2023, 12:50 pm
  #36  
 
Join Date: Aug 2019
Posts: 412
Originally Posted by pcoll
I applied today and was very surprised to get denial. Applied through my Citi account portal.
I have always received cards applied for, including CSR.
Credit score above 800, I am far below 5/24 card restriction. No hard pulls in the last year.
Response with Denial said they would send email within 15 days with explanation for denial.

I wonder if Citi or AA has put a hold on approvals for this card until the AF increase goes into effect at the end of the month.
1 person got approved on 7/12 with 30k limit.
source: myficoforum.
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berombeu is offline  
Old Jul 13, 2023, 1:00 pm
  #37  
 
Join Date: Nov 2007
Location: PHX
Posts: 4,790
Originally Posted by pcoll
I applied today and was very surprised to get denial. Applied through my Citi account portal.
I have always received cards applied for, including CSR.
Credit score above 800, I am far below 5/24 card restriction. No hard pulls in the last year.
Response with Denial said they would send email within 15 days with explanation for denial.

I wonder if Citi or AA has put a hold on approvals for this card until the AF increase goes into effect at the end of the month.
Interesting. Just curious why you applied now instead of waiting -- were you thinking of adding a larger number of AUs such that the extra 50k mile sign up bonus is not worth it?
lkar is offline  
Old Jul 13, 2023, 2:45 pm
  #38  
 
Join Date: Oct 2010
Location: San Diego, Ca
Programs: AA 2MM LT PLT; AS MVP Gold75k; HHonors Diamond; IHG PLT
Posts: 3,564
Appears to be an effort to get those of us who pay the AF as discounted Admirals Club membership, keep the card in the sock drawer to start using it (Lyft, Grubhub, etc.). I have until May to decide, but as most of my travel is now on Alaska, no need for LPs as a LT PLT, renewal is highly unlikely.
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Old Jul 13, 2023, 3:08 pm
  #39  
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Sorry if this has been asked before, but does anybody know if there is a similar overhaul for the Citi AAdvantage Business Cards.....?

Thanks !!
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Old Jul 13, 2023, 4:10 pm
  #40  
mia
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The Executive card exists because of the bundled Admirals Club membership. It competes with the United Club and Delta Reserve cards. There is no indication that Citi is changing the other AAdvantage cards (Platinum, MileUp. Business) at this time.
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Old Jul 13, 2023, 7:14 pm
  #41  
Moderator, Argentina and FlyerTalk Evangelist
 
Join Date: Aug 2000
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Posts: 35,692
Originally Posted by mia
The Executive card exists because of the bundled Admirals Club membership. It competes with the United Club and Delta Reserve cards. There is no indication that Citi is changing the other AAdvantage cards (Platinum, MileUp. Business) at this time.
Thanks.... not what I wanted to hear but its good to know the facts.
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Old Jul 14, 2023, 9:03 am
  #42  
 
Join Date: Feb 2015
Location: Seattle
Programs: AS
Posts: 2,298
Originally Posted by pcoll
I applied today and was very surprised to get denial. Applied through my Citi account portal.
I have always received cards applied for, including CSR.
Credit score above 800, I am far below 5/24 card restriction. No hard pulls in the last year.
Response with Denial said they would send email within 15 days with explanation for denial.

I wonder if Citi or AA has put a hold on approvals for this card until the AF increase goes into effect at the end of the month.
I had my financial advisor look into this. Turns out that a lack of installment loans was the reason for decline. All houses and cars are paid and no outstanding debt. Revolving credit cards do not qualify as installment product.
Interesting to see a good credit risk be declined for lack of debt.
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Old Jul 14, 2023, 9:51 am
  #43  
mia
Flyertalk Posting Legend Moderator: Credit Card Programs, American Express, Capital One, Chase, Citi, Diners Club, Signatures.
 
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 49,083
Originally Posted by pcoll
....a lack of installment loans
This can lower a credit score, but it is probably not the sole reason for a decline. Did any of your card accounts show a balance at the time of the application? Citi will decline if it appears that you are not using existing accounts.
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mia is offline  
Old Jul 14, 2023, 3:08 pm
  #44  
 
Join Date: Jun 2011
Posts: 3,547
Originally Posted by mia
The Executive card exists because of the bundled Admirals Club membership. It competes with the United Club and Delta Reserve cards. There is no indication that Citi is changing the other AAdvantage cards (Platinum, MileUp. Business) at this time.
Weirdly there's no business version of the Executive Card, like Delta and United have.
nall is offline  
Old Jul 14, 2023, 3:56 pm
  #45  
 
Join Date: Oct 2013
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Posts: 4,671
So you only get the Lyft credit on the 4th ride of the month? And I assume the first 3 would have to charged to the Exec card?
econ is offline  

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