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Established Member
FicoPree
Posts: 27
Registered: ‎08-06-2010
0

Citi AA and AMEX blue cash

Hello All,

 

I have a few questions for the credit pros out there about Citi AA. My dbf was thinking about apping for this card with the 75K miles bonus offer. I am not sure he would qualify so would you be able to advice me? His scores are EQ 730 FICO, EX FICO 735 (APRIL - PSECU) and TU FICO was 757 a few months ago.

 

He last apped for this card in Sept 09 and was denied. His current cc's include: PSECU 20K combo (1900 bal), Citi Forward 10.5K (406 bal), BofA 8K (0 bal), Penfed Amex 5K (0 bal), Penfed Visa 2.5K (30 bal), Discover More 2K (50 bal.) and a couple other small cards.

 

He is also an AU on AMEX blue cash which has a cl of 3K. The Citi Forward is always paid in full every month automatically and so are other with balances except the PSECU balance which is revolving. The AAOA is like around 2 years or so. Longest account is 5 years. Also has 4 paid off vehicles reporting. What do you guys think his chances are for the Citi AA?

 

Finally, with above stats, would you think he can get AMEX blue cash of his own? He last apped in Sept 2009 and was denied. No inq on EX for 14 months, no inquiries on EQ in 15 months and no inquiries on TU for 20 months.

 

Thanks.

Established Contributor
jefftca925
Posts: 701
Registered: ‎08-14-2008
0

Re: Citi AA and AMEX blue cash

I think he would have a very good chance of getting approved for both cards with his scores and the credit profile you've put up.  As long as he doesn't have any recent baddies he should be good to go.  I app'd for the Citi AA Amex last year (for the 75k bonus) and was instantly approved with scores in the 770-780 range.  I've seen others approved in the low 700s.  Amex seems to be on a tear to get new cardholders right now and have been approving apps left and right.  The Blue Cash is a revolver so it does require a better credit profile than for the charge cards but I think he should qualify.  He can try the card selector page on the Amex website to see if qualifies for one of their cards.

CCs: Chase Freedom VS 6.9k, CSP VISA Sg 7k, BofA Amex 12.5k, Discover 10.5k, US Bank Cash+ Visa Sg 12.5k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Amex Zync, Costco Amex 12k, BofA CR VS 17k, Amex BCP 9.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 4k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase United VS 13k, Chase Marriott VS 8k, Citi Simplicity 13.3k, PayPal MC 5k, Compass Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 13.3k, Capital One QS Visa 11k, FRN MC 13.5k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Barclay Arrival 10k, Ebates VS 8k, Orbitz VS 9k, NASA V 30k, USBk FP VS 17k
Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Citi AA and AMEX blue cash

I won't count on instant online approvals as 720+ are kinda entry scores for both these cards (The AAoA is troubling me a bit).

 

This said, I feel he has a good shot and worth a attempt.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Established Member
FicoPree
Posts: 27
Registered: ‎08-06-2010
0

Re: Citi AA and AMEX blue cash


jefftca925 wrote:

I think he would have a very good chance of getting approved for both cards with his scores and the credit profile you've put up.  As long as he doesn't have any recent baddies he should be good to go.  I app'd for the Citi AA Amex last year (for the 75k bonus) and was instantly approved with scores in the 770-780 range.  I've seen others approved in the low 700s.  Amex seems to be on a tear to get new cardholders right now and have been approving apps left and right.  The Blue Cash is a revolver so it does require a better credit profile than for the charge cards but I think he should qualify.  He can try the card selector page on the Amex website to see if qualifies for one of their cards.


Thanks for the response...

 

He has tried the pre selector site with no offers showing up... :smileysad: just dont want a wasted inquiry... Charge card would be useless because there is no reason he should pay an AF. So you think he has good chance for the Citi AA? Income is 50K and HHI is 110K.

Established Member
FicoPree
Posts: 27
Registered: ‎08-06-2010
0

Re: Citi AA and AMEX blue cash


vish1 wrote:

I won't count on instant online approvals as 720+ are kinda entry scores for both these cards (The AAoA is troubling me a bit).

 

This said, I feel he has a good shot and worth a attempt.


 

Hmmm, thats what I figured.. oh well.. all they can say is no right? The AAoA is low because he has been in the country for only 5.5 years... He is still waiting to apply for the Chase Freedom too - got a pre approved offer in the mail with 200 cash back after first purchase...

Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Citi AA and AMEX blue cash

 


FicoPree wrote:

vish1 wrote:

I won't count on instant online approvals as 720+ are kinda entry scores for both these cards (The AAoA is troubling me a bit).

 

This said, I feel he has a good shot and worth a attempt.


 

Hmmm, thats what I figured.. oh well.. all they can say is no right? The AAoA is low because he has been in the country for only 5.5 years... He is still waiting to apply for the Chase Freedom too - got a pre approved offer in the mail with 200 cash back after first purchase...


Chase freedom should be straight forward and easy to get for him.

 

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
New Visitor
Djneph
Posts: 2
Registered: ‎03-10-2009
0

Re: Citi AA and AMEX blue cash

I just app'ed for CIti AA Visa and Citi AA Amex and was approved for both with $9k limit each.  My oldest card is a cap one no balance $1k limit (opened 9/09).  Second oldest is Citi Forward $1400 balance - $15k limit (opened 11/09).  I also have a BoA no balance - $7.5k limit (opened 10/10).  I have a few inquires from 9/09 to present from home purchase and two new cars and above mentioned CC.  My scores are about 730.

 

I think since he has a Citi Forawrd that will help get him another Citi card.  I assume thats why they gave me two Citi AA cards.  I too wanted to the 75k miles promo.

Frequent Contributor
Scuba
Posts: 455
Registered: ‎06-08-2008
0

Re: Citi AA and AMEX blue cash

Can you still get 75,000 miles?
Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Citi AA and AMEX blue cash

I found this link:

http://creditcards.citicards.com/usc/Travel/AA/Multi/Nov10/Triple/75k/ver2/default.htm?ProspectID=FB...

 

It takes me to a good page. If you don't feel comfortable clicking this link, you can google "citibank aa card 75000 miles" I think the second or third result is flyertalk.com and there you will find the link to get the miles.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Established Member
InDallas
Posts: 23
Registered: ‎12-02-2008
0

Re: Citi AA and AMEX blue cash


vish1 wrote:

I found this link:

http://creditcards.citicards.com/usc/Travel/AA/Multi/Nov10/Triple/75k/ver2/default.htm?ProspectID=FB...

 

It takes me to a good page. If you don't feel comfortable clicking this link, you can google "citibank aa card 75000 miles" I think the second or third result is flyertalk.com and there you will find the link to get the miles.


If you read the fine print, it expired 2-28-2011

Current Score: EQ 716 TU 719 EX 721 PLUS
Goal Score: 700+ by 8/2011


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