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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.