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 2837348 times)

Offline compddd

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Re: Citi AA Master Thread
« Reply #3940 on: February 20, 2014, 09:06:58 PM »
  ??? ???
What does one have to do with the other?
Its like telling people not to go to shower these days because Dan posted an Ashford.com sale a few days ago.

+∞

Offline ar13

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Re: Citi AA Master Thread
« Reply #3941 on: February 20, 2014, 09:10:47 PM »
Your mileage may vary.
So read a post by Dan that if you freeze your Exp citi will pull from another credit agency. My question is if i applied for 4 citi cards this past week an was approved for the first two an rejected for last two would freezing my experian account help?

Offline DP7

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Re: Citi AA Master Thread
« Reply #3942 on: February 20, 2014, 09:12:31 PM »

So read a post by Dan that if you freeze your Exp citi will pull from another credit agency.

Is this still true?

Offline compddd

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Re: Citi AA Master Thread
« Reply #3943 on: February 20, 2014, 09:12:55 PM »
Not for CA

Offline ar13

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Re: Citi AA Master Thread
« Reply #3944 on: February 20, 2014, 09:18:59 PM »
Is this still true?
Don't know its an old post... any how if i'm getting rejected by citi after 2 approvals how long should i wait to appply again? and does any one limit how many pulls they allow themselves to do in a certain period of time? and might that time frame be?

Offline yoshi

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Re: Citi AA Master Thread
« Reply #3945 on: February 20, 2014, 09:19:41 PM »
Is this still true?
Definitely doesn't work for chase. That's from first hand experience.

Offline ar13

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Re: Citi AA Master Thread
« Reply #3946 on: February 20, 2014, 09:24:07 PM »
Don't know its an old post... any how if i'm getting rejected by citi after 2 approvals how long should i wait to appply again? and does any one limit how many pulls they allow themselves to do in a certain period of time? and might that time frame be?
Modify message

Offline ari2955

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Re: Citi AA Master Thread
« Reply #3947 on: February 20, 2014, 09:26:40 PM »
Don't know its an old post... any how if i'm getting rejected by citi after 2 approvals how long should i wait to appply again? and does any one limit how many pulls they allow themselves to do in a certain period of time? and might that time frame be?
Yes, freezing Experian in NY works for Citi, but not in your case.
As Citi has a policy of max 2 cards per 60-days, that's what's causing the denials.

Offline ar13

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Re: Citi AA Master Thread
« Reply #3948 on: February 20, 2014, 09:29:53 PM »
Yes, freezing Experian in NY works for Citi, but not in your case.
As Citi has a policy of max 2 cards per 60-days, that's what's causing the denials.
Thank you! That is useful info! 56 days and counting :)

Offline ar13

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Re: Citi AA Master Thread
« Reply #3949 on: February 20, 2014, 09:31:54 PM »
Regarding having credit pulls my scores are 760 plus but i have them pulled quite often.. i still would like to hear from others how many times they would allow their credits to be pulled monthly? quarterly? yearly?

Offline dirah

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Re: Citi AA Master Thread
« Reply #3950 on: February 20, 2014, 09:54:02 PM »
Overreaction  IM(very)HO.
  ??? ???
What does one have to do with the other?
Its like telling people not to go to shower these days because Dan posted an Ashford.com sale a few days ago.
Guess what?
Everyone here thought that your initial post on the issue was an over-reaction!

All I am saying is that if Citi and AA have colluded to go to an extreme and close accounts for something which is not in the rule book... Well, how is this different?

Offline DBK

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Re: Citi AA Master Thread
« Reply #3951 on: February 20, 2014, 10:10:56 PM »

Offline Freddie

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Re: Citi AA Master Thread
« Reply #3952 on: February 20, 2014, 10:19:04 PM »
Guess what?
Everyone here thought that your initial post on the issue was an over-reaction!

All I am saying is that if Citi and AA have colluded to go to an extreme and close accounts for something which is not in the rule book... Well, how is this different?

If I were Citi and AA, and I wanted to draw out all the scammers, what would I do? I would create a bonus bigger than anyone has seen in a while, say 100k miles, and I would make it for a card with a really high AF to incentivize people to want to close the card and beat the AF, and I would make the threshold really high, say $10k in 3 months, so people will be tempted to do wild things to get big spending fast. And once they've all taken the bait, I'd shut 'em all down permanently! Basically, a roach motel for game players.

Offline DBK

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Re: Citi AA Master Thread
« Reply #3953 on: February 20, 2014, 10:21:31 PM »
Regarding having credit pulls my scores are 760 plus but i have them pulled quite often.. i still would like to hear from others how many times they would allow their credits to be pulled monthly? quarterly? yearly?
Personally I alternate app-o-rama's every 3 months alternating between myself and my wife so essentially 6 months between personal pulls.

Offline ar13

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Re: Citi AA Master Thread
« Reply #3954 on: February 20, 2014, 10:24:40 PM »
If I were Citi and AA, and I wanted to draw out all the scammers, what would I do? I would create a bonus bigger than anyone has seen in a while, say 100k miles, and I would make it for a card with a really high AF to incentivize people to want to close the card and beat the AF, and I would make the threshold really high, say $10k in 3 months, so people will be tempted to do wild things to get big spending fast. And once they've all taken the bait, I'd shut 'em all down permanently! Basically, a roach motel for game players.
Hey- i just made a legit 11k purchase and before doing so i opened a citi business executive with 100k bonus.... and why wouldnt i. and yes im canceling before the 450 anual fee goes into effect next month.. all by their rules

Offline churnbabychurn

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Re: Citi AA Master Thread
« Reply #3955 on: February 20, 2014, 10:25:46 PM »
So what would happen if you get a refund on a closed card?

Offline ar13

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Re: Citi AA Master Thread
« Reply #3956 on: February 20, 2014, 10:27:15 PM »
Personally I alternate app-o-rama's every 3 months alternating between myself and my wife so essentially 6 months between personal pulls.
What is the negative affect of having 3 pull per month? is it strictly on the score or are there other factors?

Offline eve

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Re: Citi AA Master Thread
« Reply #3957 on: February 20, 2014, 10:33:29 PM »
Your not gonna believe this! I wanted to cancel my Citi Amex cuz of the AF so the lady convinced me to downgrade the card to the regular advantage the annual fee would be $50 and if I did 5 purchases in 3 months they would wave the $50 dollar fee. After the new card came I realized i didnt want the card cuz no real benefits so called to cancel. SO THE REP TELLS ME YOUR SUCH A GOOD CUSTOMER I'M GONNA SEE IF THEY WILL UPGRADE YOU BACK AND WAIVE THE FEE. HE STARTS ASKING ME SOME INFO AND I ASK HIM" yOUR NOT MAKING ANOTHER APPLICATION RIGHT CUZ I DON'T WANT THAT! SO HE TELLS ME NO ABSOLUTELY NOT. TODAY I GET UP AND THERE WAS 7 PULLS ON EQUIFAX ALL DENIED FOR THE SAME CARD! SEVEN DENIALS ON MY CREDIT REPORT ALL ON THE SAME DAY!!!  ANY ADVICE?????

Offline dirah

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Re: Citi AA Master Thread
« Reply #3958 on: February 20, 2014, 10:33:54 PM »
Hey- i just made a legit 11k purchase and before doing so i opened a citi business executive with 100k bonus.... and why wouldnt i. and yes im canceling before the 450 anual fee goes into effect next month.. all by their rules
Refunding a refundable ticket is also by the rules... which is why a refundable ticket is called refundable, you see?

Offline compddd

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Re: Citi AA Master Thread
« Reply #3959 on: February 20, 2014, 10:34:28 PM »
So what would happen if you get a refund on a closed card?

Request credit balance refund?