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Valued Member
desie25
Posts: 79
Registered: ‎12-07-2012

American Airlines card confused

My friend who was denied for citi just got approved for an american airlines credit card not the visa I thought it was also by citi are there different guidelines? I do not know about the card and she asked me about it 


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Established Contributor
cashnocredit
Posts: 950
Registered: ‎07-18-2009

Re: American Airlines card confused

AA has an AA only card without the MC or Visa wide reach. It's sort of like a store specific card.

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Valued Member
desie25
Posts: 79
Registered: ‎12-07-2012

Re: American Airlines card confused

Thank you that is what she got approved for I just did not understand if it was from citi since they denied her last week


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Valued Contributor
visorboy1974
Posts: 1,129
Registered: ‎05-17-2010

Re: American Airlines card confused

It is underwritten by Citi.  Probably comparable to a gas credit card that's not a Visa/MC

New Contributor
haiti222
Posts: 68
Registered: ‎08-22-2007

Re: American Airlines card confused

It is run by the division that runs the gas cards. This was the "bad bank" division of Citibank that was going to be sold off, but a couple of months ago, they announced that they would keep it. It does seem to be easier to get than the Visa/MC cards. The advantages to the card are free six month financing of purchases over $150 and you can use it for baggage and change fees. I have had one about 7 months with frequent use, but no CLI so far. Got a $1000 limit after having to have a phone interview by UW.

Valued Member
desie25
Posts: 79
Registered: ‎12-07-2012

Re: American Airlines card confused

Thank you I was confused since she did get denied citi 


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Regular Contributor
SisterGirl
Posts: 192
Registered: ‎11-17-2012

Re: American Airlines card confused

I've had that card since 1995 & only used it when I flew AA.....but that's been a minute ! Now I just keep it in case I will fly & it's not closed....although it's not been used in about 5 years. I typically use a better card for bonuses,and have only used that AA card with special promotions as the interest rate is KILLER !

 

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Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: American Airlines card confused

I also have the AA card and I use it quite often. The 6 months deferred interest is a good option to have. I used to use my Citi AAdvantage cards more until AA changed the Million Miler accumulation to BIS miles only.


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Senior Contributor
Wolf3
Posts: 3,198
Registered: ‎01-24-2010

Re: American Airlines card confused


desie25 wrote:

My friend who was denied for citi just got approved for an american airlines credit card not the visa I thought it was also by citi are there different guidelines? I do not know about the card and she asked me about it 


There is definitely a difference between the store card approvals and the CITI MC or Visa.     I was denied for CITI Visa but got 2 store cards with good limits last summer.

Valued Member
mattb1102
Posts: 39
Registered: ‎05-27-2009

Re: American Airlines card confused

Do you still get bonus miles with this type of card like the visa version?

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