10-23-2011 03:47 PM
I have received several offers from Citibank in the mail within the past few months for an AAdvantage AMEX card. The first time I saw the offer I wanted to apply but I was in escrow so obviously I couldn't apply. Now I've been in my home about two months and I'm interested in applying. I'm currently a Citi customer with the AAdvantage MC and a Citi checking/savings account, as well as a mortgage. I've been with Citi for a year so I'm not a long time customer but I am a very faithful one. I have pretty good credit and haven't applied for any new credit (minus utilities) since I applied for my mortgage a few months ago. What are the odds of me being approved for this card? I would like to think that they're pretty high but I'm going to pay down my CCs first to pretty much zero before applying just to be sure...
10-23-2011 06:40 PM
10-23-2011 07:14 PM - edited 10-23-2011 07:15 PM
You should be fine. Your FICOs are great, and Citi does take into account your relationship with them when applying, so you should likely be approved with a nice limit.
I have 8 cards with them, and they haven't blinked yet... I do have a very strong deposit/investment relationship with them, but at the same time, given your scores, etc, you shouldn't have a problem.
10-25-2011 12:47 AM
They never made me wait. All of mine were instantly approved.
10-26-2011 08:40 PM
I tried to ask some basic questions over the phone but the lady was clearly overseas and did not understand what I was asking. I was told that I would have to wait 7-10 days for an answer...which was kind of unsettling considering I am already a customer. I guess my credit isn't as good as yours JMN. :/
10-27-2011 06:12 AM
Which offer did they send you?
All the ones I keep getting have high spend requirements, and I just got a Chase Sapphire Preferred, so I don't want to be spending all this money at once lol.
11-04-2011 03:58 AM
Good news, I was approved! I did an app over the phone but it didn't "go through". After being upset, I decided to try online and I was instantly approved! My card should be coming in the mail within the next week or so. Now I'm going into hardcore gardening mode...after I buy some furniture.
For my card, I have to spend $500 within the first four months and then I get a 20K mile bonus.
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