Citi AA Card Rec Today ( Yep I'm Stupid)

HYPASS33 · ‎06-12-2013

Ok so when I went on my app spree a few weeks ago Citi was one of them but I was so busy trying to get limits instead of reading everything like a 95.00 AF!! Maybe the 3500 is worth it I don't know but if I had read I would have passed. Lesson to newbees, have a plan like Lex and Journey and them preach on here and the limits and things will come. Sad thing is, I don't fly!! LoL

09Lexie · ‎06-12-2013

Well, what's done is done. enharu - or others -might can give you more info on PC'ing it to something else in 12 mos. or ways you can use it to help with that AF.
I don't have any Citi cards.

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enharu · ‎06-12-2013

You can try to PC it but chances are they won't let u until its past 13 months or after the promotional period, whichever is longer.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

LS2982 · ‎06-12-2013

Smdh.......

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enharu · ‎06-12-2013

The AF is waived in the first year though, isn't it? Only the Hilton, prestige doesn't have AF waived if I'm not wrong

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

HYPASS33 · ‎06-12-2013

I was SMDH too!! lol

HYPASS33 · ‎06-12-2013

So what is PC short for?

enharu · ‎06-12-2013

Product change

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

myjourney · ‎06-12-2013

@HYPASS33 wrote:
Ok so when I went on my app spree a few weeks ago Citi was one of them but I was so busy trying to get limits instead of reading everything like a 95.00 AF!! Maybe the 3500 is worth it I don't know but if I had read I would have passed. Lesson to newbees, have a plan like Lex and Journey and them preach on here and the limits and things will come. Sad thing is, I don't fly!! LoL

We are learning and sometimes we all make mistakes.

That being said do your best to use it to offset the AF

You may find that you use it so much over the next year you will be flying away on a great vacation

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

FocusedAndDetermined · ‎06-12-2013

We all miss a key detail from time-to-time. Lesson learned - you'll be more diligent in the future.