Topic Wiki

To signup for credit cards you can click here or on the “other credit cards” tab on top of the DansDeals logo banner to view links for card offers. Then just click on the link to “View all card offers by issuing bank” and scroll down to view all card offers from the bank of your choice.


Current available offers:
http://www.dansdeals.com/go/AAExec/

Citi-Business
http://www.aa.com/i18n/AAdvantage/earnMiles/beyondTravel/creditDebit/citi-business.jsp
Earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening
The new 18 month language isn't on this application

50k WMC Plat level offer page
Earn 50,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening. American Airlines AAdvantage®
bonus miles are not available if you have had a Citi® / AAdvantage® Platinum Select® Card opened or closed (meaning opened a new card no matter it's current statues) in the past 18 months.

From FlyerTalk Old Citi Executive AA 50k after $5k spend link. The new 18 month language isn't on this application.[/url]


35K WMC consumer and business offer page
$1.5k spending in 3 months

Citibank Contacts:
Application status – https://www.accountonline.com/cards/acq/CardApplicationStatus.do?screenID=3187
(800) 695-5171 – Personal Application Status and Reconsideration Line with live rep
(888) 201-4523 – Application status
(866) 606-2961 – Reconsideration Line
(800) 763-9795 – General Personal Application Inquiries with live rep
(800) 645-7240 – Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
(800) 288-4653 – Business Application Status and Reconsideration Line, dial option 3 then option 1 for application status
(866) 606-2787 – General Application and Account Questions with live rep

Many people have also had better luck writing to the office of the President for reconsideration on Citi cards:
Mr. Ken Stork
Office of the President
PO Box 6000
Sioux Falls, SD 57117

HT: FT

Citi in NY pulls from either Equifax or Experian or both. YMMV even by the same person.

If you live in NJ or NY, you should freeze your Experian. They will only pull Equifax then. Otherwise, YMMV.

FOR MORE INFO, READ FT'S WIKI - IT IS PHENOMENAL, FT WIKI

Quote from the above mentioned FT WIKI:
For the most part, freezing Experian, or another bureau, will not cause Citi to pull a different bureau. They will almost certainly require you to unfreeze the bureau they wish to pull or deny your application. Some people have been successful providing the PIN but others have not. Mostly, freezing a credit bureau in an attempt to force Citi to pull a different one seems to waste time, money, and effort for little result. But YMMV.

DDF data points (As of 10/2015)
NY- pulls both EQ/EX, can still get instant approval with EX frozen
CA, OH, PA, TX- ONLY EX. Citi will refuse to pull other bureau

Benefits:..
New no forex fees starting Nov.'15

From FT Wiki:"Important exception: If you receive a Platinum World MC which is later converted to a World Elite MC (as indicated on the back of the card), the opening of that card will no longer count for purposes of the 18-month rule. This is true not only for conversions in early 2015, but also for those in more recent months.
Note: It makes no difference when (or whether) you activate the World Elite card. If you have the WE card in hand, then the conversion on Citi's books is already complete. There is nothing magical about activating it.
There are a few reports that some Gold World MC are being converted to Gold World Elite MC and that will no longer count for purposes of the 18-month rule."
UPDATE: As of 02/18/2016 (for applications after 02/09/2016), the W>WE loophole may be dead.
« Last edited by Yhgfkj on August 26, 2016, 12:49:48 AM »

Author Topic: Citi AA Master Thread  (Read 2786366 times)

Offline aviz

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Re: Citi AA Master Thread
« Reply #200 on: August 08, 2013, 04:39:07 PM »
Read the wiki

Where is the Mastercard 50k?

I meant 40k ...
Pleas hold. Your call will be answered in the order it was received.

Offline aviz

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Re: Citi AA Master Thread
« Reply #201 on: August 08, 2013, 05:02:04 PM »
Read the wiki

Where is the Mastercard 50k?

I read it ...  it talks about churning the visa and the ability to churn it and have 2 of them at the same time ... Still cant figure it out .. 

There are multiple  types of personal AA cards

Platinmu Select Visa (50k from FT , but curent offer is 30k)
Platinum Select Mastercard (40k)
AAdvantage Amex (25k)

Are the 2 Platinum selects considered the same product ? why wouldnt  people get multiple of each ?


Pleas hold. Your call will be answered in the order it was received.

Offline Ephcc90

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Re: Citi AA Master Thread
« Reply #202 on: August 08, 2013, 05:16:26 PM »
Is the citi executive aa for 60k a good offer?

Offline how

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Re: Citi AA Master Thread
« Reply #203 on: August 08, 2013, 05:18:22 PM »
Is the citi executive aa for 60k a good offer?
$450 annual fee

Offline 12HRS

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Re: Citi AA Master Thread
« Reply #204 on: August 08, 2013, 05:44:16 PM »
I read it ...  it talks about churning the visa and the ability to churn it and have 2 of them at the same time ... Still cant figure it out .. 

There are multiple  types of personal AA cards

Platinmu Select Visa (50k from FT , but curent offer is 30k)
Platinum Select Mastercard (40k)
AAdvantage Amex (25k)

Are the 2 Platinum selects considered the same product ? why wouldnt  people get multiple of each ?

People are reporting success with 2 of the 50k FT card.

Offline Chapshnell

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Re: Citi AA Master Thread
« Reply #205 on: August 08, 2013, 11:55:33 PM »
I read the benefits of the visa signature AA citi card & it says it has worldwide rental insurance coverage up to $50,000
Does it cover Israel too? It didnt say "excluding ........"

Offline Moshe123

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Re: Citi AA Master Thread
« Reply #206 on: August 09, 2013, 08:56:06 AM »
I applied for my wife for one last week Thursday and was approved after a chat. Same thing happened today. Now have 2 Citi cards for her. Both pulled Equifax.

No need to bother confirming the bonuses. Right? People don't have these issues with Citi.

Offline Baruch

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Re: Citi AA Master Thread
« Reply #207 on: August 09, 2013, 09:28:44 AM »
I applied for my wife for one last week Thursday and was approved after a chat. Same thing happened today. Now have 2 Citi cards for her. Both pulled Equifax.

No need to bother confirming the bonuses. Right? People don't have these issues with Citi.
No need.

Offline Moshe123

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Re: Citi AA Master Thread
« Reply #208 on: August 09, 2013, 09:40:03 AM »
Some Citi reps are clueless!
My live chat now on Citi's website:

Quote
Shane: Good morning, welcome to Citi Live chat. How may I help you today?

Moshe123: Hi Shane!

Shane: Hello Moshe123. 

Moshe123: I would like to know what signup offer my card ending in **** has?

Moshe123: Thanks

Shane: My pleasure!

Shane: I will be glad to check that information for you.

Shane: Could you please give me a few minutes while I review your account?

Moshe123: No problem

Shane: Thank you. I will be right back with you.

Moshe123: Thanks

Shane: Thank you for staying online.

Shane: Moshe123, you do have an offer of earning 1 Miles for every dollar(AAL Miles) on the account ending with ****.

Moshe123: Any offer for spending $3,000 in the first few months?

Shane: Let me double check that for you.

Shane: Yes, the benefit of Earn 30,000 American Airlines AAdvantage bonus miles after making $1,000 in purchases in the first 3 months of card membership. 

Moshe123: Sure not 50,000?

Moshe123: On this particular card and targeted offer.

Shane: You also have another offer of spending $3000 within 3 months get 50000 miles from SOC enrollment. 

Shane: You're correct with the information.

Moshe123: Thanks!

Shane: You are welcome. Do you have any additional questions for me today?
« Last Edit: August 09, 2013, 11:03:24 AM by Moshe123 »

Offline yaakov s

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Re: Citi AA Master Thread
« Reply #209 on: August 09, 2013, 09:52:03 AM »
@ Moshe123 ,next time just listen to Baruch

Offline Moshe123

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Re: Citi AA Master Thread
« Reply #210 on: August 09, 2013, 09:56:48 AM »
@ Moshe123 ,next time just listen to Baruch

I knew that from experience with my 3 previous citi cards this year.

I just did it.

Offline Tzadik Nistar

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Re: Citi AA Master Thread
« Reply #211 on: August 09, 2013, 10:40:19 AM »
I applied for my wife for one last week Thursday and was approved after a chat. Same thing happened today. Now have 2 Citi cards for her. Both pulled Equifax.

No need to bother confirming the bonuses. Right? People don't have these issues with Citi.
2 of the same card?

Offline Moshe123

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Re: Citi AA Master Thread
« Reply #212 on: August 09, 2013, 10:49:13 AM »

Offline Freddie

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Re: Citi AA Master Thread
« Reply #213 on: August 09, 2013, 10:55:38 AM »
Please, someone summarize the exact procedure for getting two of the same cards.
It would be very nice to add to the wiki as well.

Offline Shreknit

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Re: Citi AA Master Thread
« Reply #214 on: August 09, 2013, 12:41:32 PM »
Please, someone summarize the exact procedure for getting two of the same cards.
It would be very nice to add to the wiki as well.

Leave your number and Dan will call you with full details.
« Last Edit: August 09, 2013, 01:57:20 PM by Shreknit »

Offline Moshe123

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Re: Citi AA Master Thread
« Reply #215 on: August 09, 2013, 12:49:53 PM »
Please, someone summarize the exact procedure for getting two of the same cards.
It would be very nice to add to the wiki as well.

Read the wiki over at flyertalk. Read the whole thing.
http://www.flyertalk.com/forum/credit-card-programs/1475783-citi-aa-credit-cards-best-offers-now-50k-read-wikipost-first.html

Offline yos9694

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Re: Citi AA Master Thread
« Reply #216 on: August 09, 2013, 02:20:50 PM »
Leave your number and Dan will call you with full details.

Dan should get a 900 number so he can take calls. $3.99 for the first minute, $5.99 for every minute thereafter!  ;D

Offline shmebeble

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Re: Citi AA Master Thread
« Reply #217 on: August 09, 2013, 02:30:36 PM »
Dan should get a 900 number so he can take calls. $3.99 for the first minute, $5.99 for every minute thereafter!  ;D
Pay in miles!

Offline churnbabychurn

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Re: Citi AA Master Thread
« Reply #218 on: August 09, 2013, 02:51:24 PM »
Here is the FT wiki.  ::)
Quote
FAQ

1.   Are these cards churnable?
Yes. The general rules are:
Personal cards with the language "This offer is only valid for new accounts" can be churned repeatedly without restriction other than the general Citi application rules.
Personal cards with the language "is not available to existing cardmembers" can be churned once Citi decides that you are no longer an existing cardmember. This usually occurs between 12 and 26 months of your last successful AA Personal Card approval. Although it is not a hard-and-fast rule, generally this occurs around 18 months after previous approval. YMMV. You do not need to cancel old cards.
Business cards are churnable repeatedly without restriction other than the general Citi application rules. Some people have had problems if the old account is not closed first. Some people have had problems if both the business account (16 digits) and the individual card accounts (16 digits each) are not closed first. Some people have been unable to churn these at all.


2. What are the most current rules in applying for Citi cards?
Only 1 Citi application of any kind per week (8 days to be safe).
No more than 2 Citi applications of any kind in 60 days (65 days to be safe).
No more than 1 business application in 90 days (95 to be safe). This does not override the rules above.

While the day limits are a little flexible by a few days either way and YMMV, the rules themselves are not flexible. Note: In applying the rules above, count all applications, including denials and/or applications for non-AA cards.

All AA Example:
Day 1 50K Personal Platinum Visa
Day 9 or later 50K Personal Platinum Visa #2
Day 66 or later 40K Business #1
Day 74 or later 50K Personal Platinum Visa #3
Day 161 or later 40K Business #2

Mixed type Example:
Day 1 50K HHonors Visa
Day 9 or later 50K Personal Platinum Visa
Day 66 or later 40K Business #1
Day 74 or later 15K ThankYou Preferred
Day 161 or later 40K Business #2


3.   Do I need to close existing cards before applying?
No. There is no requirement that you close previous personal accounts. People have reported having 4 or more of the exact same card. However, some people have reported problems getting AA Business cards if they have an open Business account.


4.   When should I close existing Citi accounts?
This is a matter of personal preference. Citi cards can be closed immediately after receiving a bonus and paying off the balance. There are no verifiable reports of Citi clawing back miles (exception - miles were clawed back for returned merchandise around November 2011).

Reasons to keep accounts open:
Having large credit lines improves your utilization percentage.
Maintaining old cards improves average age of cards.
Credit lines can be moved from old cards to new cards.
Anecdotal evidence suggests that Citi counts the credit lines of recently-closed accounts for 3-6 months against your total available credit.
You can receive retention offers once every 6 months per card (no retention offers for Business cards). See this thread for details on the latest retention offers.

Reasons to close accounts:
Having a large amount of available credit with Citi will eventually reduce your chances of instant approval.
There is little incentive to pay an annual fee if it is not waived.
The annual fee on Business cards is not waived.
Having a large number of open Citi cards will show up on your credit report and may affect non-Citi applications as well as the overall age of your accounts.


5.   Can I apply for a business card if I don’t have a business?
Anyone can apply for a business card. You do not need a registered business with an EIN. If you do not have a business with an EIN or with bills/accounts in the business name, you can apply using your name as the business. The three possibilities are that: 1. You could be approved unconditionally, 2. You could be asked to fax a couple of bills or accounts (water, electricity, gas, cable, or phone bills, bank accounts, etc.) in the name of the business to Citi, or 3. You could be required to fill out and send a 4506-T tax form. Whatever you do do not make up income etc. about the business. Plenty of people have been issued cards for businesses with $0 annual revenue, 1-5 employees, and 0 years in business.


6.   Can I buy Visa gift cards to meet my minimum spend?
Purchases from banks are almost always coded as a cash advance regardless of what they are for. Purchases from stores, e.g. CVS, are almost always coded as a purchase.
If you are concerned about it, it’s recommended to call Citi and have them set your Cash Advance limit to zero. (thanks KennyBSAT)


7. Do I get 10% back when redeeming miles for awards?
It depends. First, the rebate program (which began in April 2012) applies only to holders of these cards:
Citi Platinum Select AAdvantage Visa Signature
Citi Platinum Select AAdvantage World MasterCard
Citi Platinum Select AAdvantage World Elite MasterCard
Citi Select AAdvantage American Express
It does not apply to the Citi Gold World MasterCard, Citi Executive products, or some of the Citi Business cards.

Also, the maximum rebate for any cardholder in a single calendar year is 10,000 miles. Having more than one qualifying Citi AA card will not allow you to receive a larger rebate; the restriction applies per AAdvantage account.


8. Do I have to use my own AAdvantage number on applications?
Yes. The name on the card application must match the name on the AAdvantage account. You cannot apply for multiple cards for different people and use the same AAdvantage account number. AA does not care how many Citi accounts you have so there is no harm in having your AAdvantage account number associated with multiple cards in your name. If you forget to add your AAdvantage account number to your application, an AAdvantage account in your name will be created and can later be merged with your existing account by calling AA.


9.   There is nothing on the application page stating the bonus miles, how do I know what I will be getting?
You need to have faith in the people here if you want to maximize your miles. The people on this board constantly apply for these cards and report back what they are told are the benefits and what they actually receive. The way Citi works is that if you are approved for a card, you will get the bonus associated with the link you applied under as long as you make the minimum spend. It does not matter if you already had the card or anything else. If you are approved - then you get the bonus. The two exceptions to this are: 1. If you fail to clear your cache and accidentally load a cached application, you get the miles associated with that application and 2. Some people have recently succeeded in 'bumping the bonus' by contacting Citi and requesting a match to a 50K offer after applying for a 40K card. If you don't feel like trusting in the experiences of others, then apply for an offer with a landing page.

10.   When will my bonus miles post?
Two working days after the date of the statement containing the charge that takes you across the spend threshold. It posts overnight, it'll be there when you check your AAdvantage account in the morning.

11.   Can I cancel a card using secure messaging?
Yes, assuming you have set up the credit card in your Citi account. Quick and easy.


No current public offers include Admirals club passes or statement credits. Rules and info for these additional benefits may apply if you have an older card:

Offline compddd

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Re: Citi AA Master Thread
« Reply #219 on: August 09, 2013, 07:41:41 PM »
Guys please, stop spoon feeding these noobs.